Matthew Mc Coll is a Series 65 licensed advisor at Schwab Wealth Advisory with four years of industry experience. He has worked at Schwab Wealth Advisory since 2025 and was previously employed by Charles Schwab, Mass Mutual, and Turnbridge. Prior to his financial career, he practiced law as an attorney with a JD and LLM. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Charles Schwab & Co.’s asset allocation models and internal research tools to guide investment decisions, with a focus on client authorization for trades and annual portfolio reviews.

Hongli Chen is a CFP®-certified financial advisor with Schwab Wealth Advisory, Inc., bringing nine years of industry experience. Chen has worked at Charles Schwab & Co., Inc. since 2023 and previously spent eight years at TD Ameritrade, Inc. Outside of advisory services, Chen manages a rental property in Texas, assisting tenants with their needs. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its Schwab Wealth Advisory program, offering guidance on asset allocation and investment selection while trades require client authorization. The firm uses Charles Schwab’s proprietary asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Mary Aguirre is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and four years of industry experience. Her background includes roles at Charles Schwab, TD Ameritrade, Lockton Dunning Benefits, and Conduent Business Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools, delivering tailored recommendations without exercising discretionary trading authority.

Cynthia Howells is a CFP® and CFA® with three years of industry experience. She currently works at Schwab Wealth Advisory and previously held positions at Equitable, Capital Management Group of New York, and Sagemark Consulting, Lincoln Financial Associates. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Schwab’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Jennifer Cuprill is a Series 66-licensed financial advisor at Schwab Wealth Advisory with 18 years of industry experience. She has been with Schwab Wealth Advisory since 2013 and has worked at Charles Schwab & Co., Inc. since 2010, following an earlier role at Ameriprise. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm uses Charles Schwab’s asset-allocation models and internal research tools to tailor annual recommendations based on clients’ goals and risk tolerance.

Nicholas Alexander is a CFP® professional affiliated with Schwab Wealth Advisory in Indianapolis, IN, with 11 years of industry experience. He has been with Charles Schwab since 2014, including six years at Schwab Private Client Investment Advisory, Inc. and one year at Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Melvin Duran is a Series 66-licensed advisor at Schwab Wealth Advisory with one year of industry experience. His prior roles include positions at Charles Schwab & Co., Navy Federal Credit Union, TEKsystems, and Evermay Wealth Management LLC. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Natali Espinosa is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials. She has been with Charles Schwab and its affiliated firms since 2025. Prior to her advisory role, her background includes time in education and work at Ozumo Santana Row LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, with client-specific recommendations reviewed at least annually.

Thomas Sims is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Charlotte, NC. His prior experience includes positions at Vanguard Advisers, Inc. and MAI Capital Management, LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, focusing on asset allocation and investment selection guided by proprietary research and standard asset-allocation models.

Antonio Fernandez is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and five years of industry experience. His previous roles include positions at J.P. Morgan Securities LLC, Bank of America, and Merrill Lynch. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations guided by Schwab’s asset-allocation models and internal research tools.

Connor Hutchinson is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Charles Schwab & Co., Inc. and Farmers Insurance. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients, utilizing Charles Schwab’s asset-allocation models and research tools to tailor recommendations according to client goals and risk tolerance. The firm operates on a large scale and incorporates structured compliance measures, with trades executed only upon client authorization.

Tom Waite is a Certified Financial Planner (CFP®) with 28 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory and has been with various Charles Schwab entities since 1996, including Schwab Private Client Investment Advisory and BNC National Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s guidance is based on Schwab’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Paul Riskus is a CFP® with 28 years of experience in financial advisory. He is currently with Schwab Wealth Advisory, where he has worked since 2022, and has prior experience at Charles Schwab and USAA-affiliated firms. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on standardized asset-allocation models and internal research tools.

Joseph English is a financial advisor with Schwab Wealth Advisory in Indianapolis, Indiana. He holds Series 63 and Series 66 licenses and has eight years of industry experience. His career includes roles at Schwab Wealth Advisory since 2020 and Charles Schwab since 2017, as well as earlier positions at Promus Wealth Management UBS and Northwestern Mutual. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on standard asset-allocation models and internal research tools, with an emphasis on tailored recommendations and client authorization for trades.

Nolan Pugh is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2017, joining Schwab Wealth Advisory in 2021. Prior to his advisory career, he spent four years at the Krannert School of Management at Purdue University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on Schwab’s asset allocation models and research tools, with an emphasis on client goals and risk tolerance, and trades are executed only with client authorization.

Stella Shim is a CFP® and ChFC® with 13 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. Her prior roles include positions at Fidelity Investments, Bank of America, Merrill, and Morgan Stanley. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using asset-allocation models and internal research tools to tailor recommendations aligned with client goals and risk tolerance.

John Beer is a CFP® certificant with seven years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. He has held various roles within Charles Schwab entities since 2019. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab’s standard asset-allocation models and internal research, with tailored recommendations reviewed at least annually.

Christopher Buckley is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds the CFP® and Series 66 designations. His career includes roles at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC prior to joining Schwab in 2024. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm utilizes Charles Schwab & Co.'s asset-allocation models and internal research tools to deliver tailored recommendations without exercising discretionary trading authority.

William O'Neil is a CFP® professional with 29 years of industry experience, currently serving at Schwab Wealth Advisory in Boston, MA. His prior roles include positions at Voya Financial Advisors, Santander Securities, USAA Financial Planning Services, and TD Ameritrade. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Ryan Brim is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds the Series 66 designation and has worked previously at Charles Schwab & Co., Inc., Charles Schwab Bank, SSB, Caneel Group LLC, A2C Mortgage LLC, and Wells Fargo Home Mortgage. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.–referred clients. The firm’s investment guidance is based on internal research and asset-allocation models and involves tailored recommendations with client authorization for trades.