Juan Garcia is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds the Series 66 and Series 63 licenses and has worked at Charles Schwab & Co., Inc. and TD Ameritrade, Inc. Prior to his advisory career, he was employed at The Cheesecake Factory for six years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a variety of asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standardized asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Theotime Desmulier is a CFP® professional with eight years of industry experience, currently advising at Schwab Wealth Advisory, Inc. He previously worked with Charles Schwab & Co., Inc., Rehmann, and Raymond James Financial Services Advisors. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering services including annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. The firm serves individual clients primarily through consultation without discretionary trading authority.

Scott Balderas is a CFA® charterholder with 18 years of industry experience. He is currently an advisor at Schwab Wealth Advisory, where he has worked since 2022. His prior experience includes roles at Charles Schwab, Charles Schwab Bank SSB, Strategic Advisers, Inc., and Fidelity Investments. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews, retirement planning, and investment recommendations across a range of asset types. The firm operates as an internal advisory unit within the Schwab ecosystem and uses standard asset allocation models and Schwab research tools, with clients retaining final trading decisions.

Mercedez Duong is a CFP® professional with two years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Her career includes roles at Charles Schwab & Co., Inc., Evensky & Katz / Foldes Wealth Management, and Kennedy Financial Services. Prior to her advisory roles, she spent several years in education at Texas Tech University and Odessa College. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations primarily through Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on client-directed investment decisions without exercising discretionary trading authority.

Sean Britt is a CFP® professional with 13 years of industry experience, currently affiliated with Schwab Wealth Advisory in Westlake, TX. His career includes roles at Charles Schwab, JPMorgan Securities, and Merrill. Outside of his advisory work, he teaches education classes related to the CFP designation through Zahn Associates, Inc. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools. The firm performs annual financial reviews and offers investment recommendations, while final trading decisions remain with clients.

Zachary Gregory is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Wells Fargo, Chase Bank, and Charles Schwab. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Lucas Wyland is a financial advisor with Schwab Wealth Advisory. He holds Series 63 and Series 66 licenses and has two years of industry experience. Prior to his current role, he worked at Charles Schwab and has a background that includes positions in the automotive and logistics sectors as well as extensive full-time education. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s standard asset allocation models and research tools to guide investment recommendations, with clients retaining final trading decisions.

Mathew Tracy is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at Morgan Stanley and Buckingham Strategic Wealth, as well as earlier work outside finance at Obria Medical Clinics and Oregon State University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering investment recommendations through standardized asset allocation models and Schwab research tools while clients retain final trading decisions.

Nicholas Ahumada is a financial advisor with Schwab Wealth Advisory based in Phoenix, AZ. He holds Series 65 and Series 63 licenses and has eight years of industry experience, including roles at Charles Schwab, Northwestern Mutual, and Wells Fargo Bank. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Michael Taylor is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and two years of industry experience. His work history includes roles at Charles Schwab & Co., Fidelity Investments, U.S. Bank, and other firms prior to joining Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm serves individual clients with annual financial reviews and investment recommendations, operating as an internal advisory unit within the Schwab ecosystem.

Charles Buchanan is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. He has been with Charles Schwab and its affiliated firms since 1995. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on client-directed investment decisions without discretionary trading authority.

Garrett Henderson is a CFP® with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. in Indianapolis, Indiana. His prior experience includes roles at Charles Schwab & Co., Inc. and Taylor University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services that include financial reviews, retirement planning, and investment recommendations supported by Schwab’s research tools and asset allocation models.

David Hoover is a CFP® and CFA® charterholder with 12 years of industry experience. He has worked at Charles Schwab and its affiliated entities since 2015, including roles at Schwab Private Client Investment Advisory, Inc. and Schwab Wealth Advisory. Prior to this, he was with WNB Financial for one year. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Zak Irizarry is a financial advisor with Schwab Wealth Advisory in Tysons Corner, VA. He holds Series 63 and Series 65 credentials and has 10 years of industry experience. His prior roles include positions at Charles Schwab Bank, Professional Group Plans, AXA Advisors LLC, and Retro Fitness. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to guide investment recommendations while leaving final trading decisions to clients.

Clarence Ho is a financial advisor with Schwab Wealth Advisory in San Francisco, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He 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 to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm delivers advice through standardized asset allocation models and research tools, with final trading decisions made by clients and periodic account reviews conducted annually.

Lee Garrett is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Indianapolis, IN. He has worked within the Charles Schwab ecosystem since 2020 and has held roles at TEKsystems, Academy Sports + Outdoors, and Indiana University earlier in his career. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on customized allocation recommendations and wealth management education using Schwab’s research tools and asset allocation models.

Alexa Tizon is a financial advisor at Schwab Wealth Advisory with three years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Charles Schwab & Co., Inc. since 2022. Prior to her current role, she held positions in healthcare and education-related organizations. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and research tools. The firm delivers annual financial reviews and investment recommendations across various asset classes, while clients retain final trading decisions.

Michelle Aquino is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Her prior roles include positions at Turning Point Financial and several Charles Schwab entities. She is also licensed as an insurance agent. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using proprietary Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for advisory services.

Mathew Thomsen is a CFP® with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. Based in Wayzata, MN, he has held roles at Charles Schwab & Co., Inc., Charles Schwab Bank, Summit Wealth Advocates, and Ameriprise Financial Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual reviews and tailored investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not provide discretionary portfolio management directly.

Rico Knight is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds a Series 66 designation and has worked previously at J.P. Morgan Securities, Morgan Stanley, Bank of America, and Merrill. Outside of finance, he is involved with Uber Eats as a delivery driver and creates and sells t-shirt designs on Etsy. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models.