Victoria De Oliveira is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC and Frost Investment Services. Schwab Wealth Advisory 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 approach utilizes proprietary asset-allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance.

John Rodenberger is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2000, including 14 years with Schwab Wealth Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning for clients 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 offer personalized recommendations, with trades executed only upon client authorization.

Eric Tones is a CFP® professional with 18 years of industry experience, currently serving at Schwab Wealth Advisory since 2024. His prior experience includes roles at Charles Schwab, Edward Jones, and Fidelity Investments. 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 Charles Schwab–referred clients, using proprietary asset-allocation models and internal research tools to tailor recommendations.

Alexander Schofield is a CFP® with 11 years of industry experience, currently serving at Schwab Wealth Advisory since 2021. His prior experience includes roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB, as well as E*Trade Securities LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients 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 internal research, with trades executed only with client authorization.

Christopher Fisher II is a CFP® with 10 years of experience in the financial industry. He currently works at Schwab Wealth Advisory Inc., where he has been since 2021, and has prior experience with Charles Schwab, Bank of America, and Merrill. Fisher holds the Series 66 designation. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s proprietary asset-allocation models and internal research tools to tailor recommendations aligned with clients’ goals and risk tolerance, operating on a large scale with over $218 billion enrolled in the program.

Ralph Baca is a financial advisor at Schwab Wealth Advisory with 21 years of industry experience. He holds Series 63, 65, and 66 credentials and has worked at Schwab Wealth Advisory since 2015, with prior roles at TIAA-CREF, Charles Schwab, Chase Investment Services, and E*TRADE Advisory Services. Schwab Wealth Advisory 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 approach relies on Schwab’s asset-allocation models and research tools, offering tailored recommendations without discretionary trading authority.

Jared Robitaille is a financial advisor at Schwab Wealth Advisory, Inc. with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2022. Prior to his financial services career, he held positions at Dutch Bros, Sodexo USA, and Taco Bell. Schwab Wealth Advisory, Inc. 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’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, focusing on tailored recommendations without exercising discretionary trading authority.

Kayla Begue is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and 10 years of industry experience. She has been with Schwab Wealth Advisory and Charles Schwab since 2015. 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 advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to clients' goals and risk tolerance.

Caroline Kirbish is a financial advisor at Schwab Wealth Advisory, holding a Series 66 license with two years of industry experience. Her prior roles include positions at Ameriprise Financial/Kuttin Wealth Management and Huntington National Bank. Outside of her advisory work, she serves as Vice President of the Irvington Historic Landmarks Foundation/Benton House Association, a nonprofit focused on maintaining historic properties in Indianapolis. 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. The firm’s advice is guided by proprietary asset-allocation models and internal research tools, with trades executed only upon client authorization.

Katie Ferguson is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2015. She has been affiliated with Charles Schwab since 2010. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach is based on Schwab’s asset allocation models and internal research tools, delivering tailored recommendations without exercising discretionary trading authority.

Veerapan Perianan is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds the Series 66 designation and has been with Charles Schwab in various capacities since 2015. Outside of his advisory role, he serves on the finance committee of a Civil Air Patrol cadet squadron in Denver and is an executive committee member of the Chartered Alternative Investment Analyst Association’s Rocky Mountain Chapter. Schwab Wealth Advisory 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 Schwab’s internal research tools and asset allocation models, with investments executed only upon client authorization.

Steven Brooks is a financial advisor with Schwab Wealth Advisory Inc., holding a Series 66 designation and 10 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. 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 advice is based on standard asset-allocation models and internal research tools, offering guidance on diversified investment options tailored to clients’ goals and risk tolerance.

Jack Denton is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado. He holds a Series 66 designation and has one year of industry experience. Prior to joining Schwab, he worked at Target and has a background that includes several years of full-time education and roles in the service and recreation industries. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s investment approach is based on Schwab’s proprietary asset allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Mohamed Doumbia is a CFP® with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Charles Schwab and Co., Inc., TD Ameritrade, and entrepreneurial work with Clout Enterprises and Future Soccer. He also owns a business called DML Services unrelated to investment activities. Schwab Wealth Advisory 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 standardized asset-allocation models and internal research tools to deliver tailored recommendations without exercising discretionary trading authority.

Michael Keating is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at BLACKROCK for 17 years before joining Schwab Wealth Advisory and Charles Schwab & Co., Inc. in 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm uses standardized asset-allocation models and internal research tools to guide investment selection, with client authorization required for all trades.

Sanel Duranovic is a CFP® professional with 13 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. He has worked previously at Charles Schwab & Co., Transamerica, CitiGroup, USAA, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standardized asset-allocation models and internal research tools, with tailored recommendations and annual reviews aligned to client goals and risk tolerance.

Jeremy Glass is a CFP® with 18 years of industry experience, currently serving at Schwab Wealth Advisory. He has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. since 2016, and previously held roles at TIAA-CREF and Valic Financial Advisors. Outside of his advisory work, he has a small real estate property management activity unrelated to his securities business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm emphasizes asset allocation and investment selection guided by internal research tools and standard models, with trades executed only upon client authorization.

Davis Pearce is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab & Co., Inc. and Carvana LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on Schwab’s asset-allocation models and research tools, with client-approved trade execution and regular portfolio reviews.

Michael Myers is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at TD Ameritrade and Charles Schwab & Co. prior to his current role. Myers is based in Westlake, Texas. 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. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.

Todd Edwards is a Certified Financial Planner (CFP®) with nine years of industry experience. He is currently with Schwab Wealth Advisory, having joined Charles Schwab & Co., Inc. in 2024 after seven years at Edward Jones and one year at American National Diversified, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering recommendations tailored to clients’ goals and risk tolerance.