Andrew Scott is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has nine years of industry experience. His prior roles include positions at Fidelity Investments and Amazon, as well as an extended period at the University of North Texas. Scott has been with Charles Schwab & Co. and Schwab Private Client Investment Advisory since 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses proprietary asset-allocation models and research tools to tailor guidance on a range of investment options, with client authorization required for all trades.

Tracy Mc Macken is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She previously worked for The Vanguard Group for eight years and has been with Schwab since 2024. 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 advice is based on proprietary asset-allocation models and internal research, with personalized recommendations reviewed at least annually.

Mark Celusniak Jr. is a CFP® and holds a Series 66 license, with 19 years of experience in the financial industry. He has worked at Schwab Wealth Advisory and Charles Schwab since 2017 and previously held roles at Morgan Stanley Private Bank, Morgan Stanley, Citigroup Global Markets, and UBS Financial Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referrals. The firm’s recommendations are based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored guidance on investments such as mutual funds, ETFs, and separately managed accounts while requiring client authorization for trades.

Darryl Celkupa is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at Charles Schwab & Co., Foreside Funds Distributors LLC, Matthews International Capital, Tamarac Inc., and Russell Investments. Outside of finance, he does voiceover work in various media on weekends. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm uses Charles Schwab & Co.’s asset-allocation models and internal research tools to guide investment selection and reviews portfolios at least annually.

Jeffrey Nelson is a CFP® professional with 14 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. since 2022. His prior experience includes roles at Charles Schwab & Co., Charles Schwab Bank, TIAA-CREF, Key Bank, and Wells Fargo Clearing. He is also an instructor for the Personal Financial Planning certificate program at the University of California, Irvine, which is CFP Board certified. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning 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 tailor investment recommendations based on client goals and risk tolerance.

Robert Johnson is a CFP® credentialed financial advisor with 15 years of industry experience. He has worked at Charles Schwab since 2021 and previously spent 10 years with THE Vanguard Group, Inc. He is based in Phoenix, AZ. He is affiliated with Schwab Wealth Advisory, Inc., which provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program. The firm’s approach emphasizes asset allocation and investment selection using Charles Schwab & Co.’s internal research and standard models, with recommendations tailored to client goals and risk tolerance.

Micah Hill is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2021, having previously worked at Charles Schwab Bank and TD Ameritrade. Outside of his advisory role, he is the author of a book titled *Artificial Intelligence: A Vision of the Future*, which he publishes and sells independently. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program, focusing on asset allocation and investment selection guided by proprietary research tools. The firm serves a broad client base and operates with distinct compliance and operational practices related to its affiliation with Charles Schwab & Co. and related entities.

Nicholas Pfledderer is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and two years of industry experience. He has been with Schwab Wealth Advisory since 2025 and previously worked at Charles Schwab Co., Inc. His background includes time at firms such as Adorant Group and Archon Tech, as well as periods devoted to full-time education. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm offers guidance on asset allocation and investment selection using Charles Schwab’s proprietary models and reviews accounts at least annually, with trades executed only upon client authorization.

David Kroner is a CFP® professional with 27 years of experience in the financial services industry. He has been with Charles Schwab and its affiliated entities since 2000 and currently serves as an advisor at Schwab Wealth Advisory Inc. in Indianapolis, IN, where he has worked since 2015. 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’s guidance is based on Schwab’s asset-allocation models and internal research tools, offering tailored recommendations that focus on asset allocation and investment selection without exercising discretionary trading authority.

Stefan Heaton is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2023. Prior to his advisory career, he worked at King Soopers for 14 years. 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. Their approach is based on Charles Schwab & Co.’s asset-allocation models and research tools, with advice tailored to client goals and risk tolerance.

Regina Ramsey is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and six years of industry experience. Her prior roles include positions at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., and Walsh University. She is based in Lone Tree, Colorado. 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 approach includes guidance on asset allocation and investment selection, relying on standardized asset-allocation models and internal research tools, with tailored recommendations based on client goals and risk tolerance.

Cory Bass is a financial advisor with Schwab Wealth Advisory Inc. He holds Series 63 and Series 66 licenses and has 26 years of industry experience. Bass has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab & Co., Inc. since 2000. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select referrals. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering personalized recommendations without exercising discretionary trading authority.

Sean O Neill is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at SP+ and Mohegan Sun. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standard asset-allocation models and internal research tools, focusing on client goals and risk tolerance without exercising discretionary trading authority.

Aaron Tucker is a CFP® professional with six years of industry experience. He is currently an advisor at Schwab Wealth Advisory Inc., having joined in 2025, and previously worked at firms including Charles Schwab & Co., Inc., Coldstream Wealth Management, and Goldman Sachs & Co. LLC. He served in the Army Reserves for six years and has held various positions at University of California campuses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab’s asset-allocation models and research tools to guide investment decisions while requiring client authorization for trades.

William Read is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has been with Charles Schwab and its affiliated advisory firm since 2000. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s asset-allocation models and internal research tools to deliver recommendations tailored to individual goals and risk tolerance, with trades executed only upon client authorization.

Jason Abar is a CFP® professional with 24 years of industry experience, currently serving with Schwab Wealth Advisory Inc., where he has worked since 2014. His prior experience includes roles at Reilly Financial Advisors, Curian Capital, LLC, and Mass Mutual Investor Services. He is also involved with Abar Investments Inc. outside of his advisory role. 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, using Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm focuses on personalized recommendations aligned with clients’ goals and risk tolerance, executing trades only with client authorization.

Marco Ramos is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab Bank, Charles Schwab, and Northwestern Mutual among other firms. Prior to his financial services career, Ramos had experience in diverse roles including at Arrow Electronics and Daisy Lane Dairy. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and selected Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on standard asset-allocation models and internal research tools. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts managed by third-party or affiliated money managers.

Santiago Santana is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and two years of industry experience. He has worked at Schwab Wealth Advisory since 2026 and was previously employed by Charles Schwab & Co., Inc. Outside of his advisory role, he operates a small vehicle rental business through the Turo app. 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 proprietary asset-allocation models and internal research, offering tailored recommendations reviewed at least annually.

Paula Smith is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has worked with Charles Schwab since 1999 and has been with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program, utilizing asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts managed by third parties or affiliates.

Brandon Adamson is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Fidelity Investments, The Vanguard Group, and the Pennsylvania Farm Bureau. Outside of finance, he has worked as a bar back at Shenanigans. 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. The firm’s guidance is based on Charles Schwab’s asset-allocation models and internal research tools, with client authorization required for trades.