Carson Brechner is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Prior to joining Schwab Wealth Advisory in 2026, he worked at Charles Schwab & Co., Inc. beginning in 2024. His background includes several roles outside finance, including positions in the education sector and the food service industry. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm offers guidance on asset allocation and investment selection using proprietary models and tools, with trades executed only upon client authorization.

Daniel Lutocka is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various Charles Schwab affiliated firms since 2015. 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 referrals. The firm’s advice is based on Charles Schwab’s asset-allocation models and research tools, with client recommendations tailored to individual goals and risk tolerance.

Scott Balderas is a CFA® charterholder and holds a Series 66 license with 18 years of industry experience. He is currently with Schwab Wealth Advisory, where he has worked since 2022, and has prior experience at Charles Schwab & Co., Charles Schwab Bank SSB, Strategic Advisers, Inc., Fidelity Investments, and Wells Fargo Investments. 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 guidance centers on asset allocation and investment selection, utilizing Charles Schwab’s asset-allocation models and research tools, with client authorization required for trades.

Mercedez Duong is a CFP® and holds a Series 66 license, with three years of industry experience. She is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc., having previously worked at Evensky & Katz / Foldes Wealth Management and taught at Texas Tech University and Odessa College. Her background includes both financial services and education. 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-referred clients. The firm’s approach is based on standard asset-allocation models and internal research tools, offering tailored advice without exercising discretionary trading authority.

Sean Britt is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His career includes roles at Charles Schwab, JPMorgan Securities, and Merrill Lynch. Outside of his advisory work, he teaches education classes related to the CFP designation. 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’s guidance is based on Charles Schwab’s internal research and asset-allocation models, with trades executed only upon client authorization.

Wayne Watts is a CFP®-certified financial advisor at Schwab Wealth Advisory with 23 years of industry experience. His prior roles include positions at Fidelity Investments, USAA Financial Planning Services, and Merrill. Outside of his advisory work, he is a partner in an antique restoration business in Parker, Colorado. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management services primarily to clients enrolled in the Schwab Wealth Advisory program. The firm emphasizes guidance based on Charles Schwab & Co.’s asset allocation models and internal research, offering tailored recommendations without discretionary trading authority.

Zachary Gregory is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo and Chase Bank. 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 Schwab’s asset-allocation models and internal research tools.

Lucas Wyland is a CFP® professional with two years of industry experience, currently advising clients at Schwab Wealth Advisory in Orlando, FL. He has worked at Charles Schwab since 2023 and previously held roles outside the financial sector, including positions at BMW of Ocala and Cracker Barrel. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to 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 tailored recommendations without exercising discretionary trading authority.

Mathew Tracy is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and five years of industry experience. He previously worked at Morgan Stanley and Buckingham Strategic Wealth, among other firms. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on proprietary asset allocation models and research tools, with trades executed only upon client authorization.

John Byers is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. 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, internal research tools, and tailored recommendations aligned with client goals and risk tolerance.

Nicholas Ahumada is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and eight years of industry experience. His background includes roles at Charles Schwab, Northwestern Mutual, Wells Fargo Bank, and Food City. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and internal research tools.

Michael Taylor is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and two years of industry experience. His previous roles include positions at Fidelity Investments, U.S. Bank, and Charles Schwab & Co. He is based in Phoenix, AZ. 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 uses proprietary asset-allocation models and internal research tools, offering tailored recommendations with at-least-annual reviews, while trades require client authorization.

Charles Buchanan is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Charles Schwab and related entities since 1995, including over a decade with Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using asset-allocation models and research tools developed by Charles Schwab & Co. The firm offers guidance on mutual funds, ETFs, SMAs, and alternative investments, with trades executed only upon client authorization.

Garrett Henderson is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. in Indianapolis, IN. His background includes roles at Charles Schwab & Co., Inc. and Primerica, as well as multiple positions at Taylor University. 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 emphasizes asset allocation and investment selection based on Schwab’s proprietary models and research, with at least annual reviews tailored to individual client goals and risk tolerances.

David Hoover is a CFP® and CFA® with 12 years of industry experience. He has been with Charles Schwab and its affiliated firms, including Schwab Wealth Advisory, since 2014. 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 Charles Schwab’s asset-allocation models and research tools, with individualized recommendations reviewed at least annually.

Zak Irizarry is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Schwab Wealth Advisory in 2023, he worked at Charles Schwab since 2017, including a role at Charles Schwab Bank, and has experience with Professional Group Plans, AXA Advisors LLC, and Retro Fitness. 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 & Co.’s asset-allocation models and internal research tools.

Clarence Ho is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Schwab Wealth Advisory Inc. since 2012 and has worked at Charles Schwab & Co., Inc. since 2000. 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 services emphasize asset allocation and investment selection based on proprietary models and research tools, with trades executed only upon client authorization.

Lee Garrett is a CFP® certificant with five years of industry experience. He is currently affiliated with Schwab Wealth Advisory, Inc., where he has worked since 2022. Prior to this, he held positions at Charles Schwab & Co., Inc. and TEKsystems, among others. 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 Charles Schwab & Co.-referred clients. The firm offers guidance on asset allocation and investment selection using proprietary models and research tools, with trades requiring client authorization.

Alexa Tizon is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and four years of industry experience. She has held roles at Charles Schwab & Co., Inc. since 2022 and prior to that worked in healthcare-related positions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, offering guidance on asset allocation and investment selection based on proprietary research and standard asset-allocation models.

Michelle Aquino is a CFP® professional with 12 years of industry experience. She currently works at Schwab Wealth Advisory and Charles Schwab, joining in 2024. Her previous roles include positions at Turning Point Financial and Team BeachBody. Additionally, she is active as an insurance agent. 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 client trades executed only upon authorization.