Roland Villanueva Jr. is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. He has four years of industry experience, with prior roles at Fisher Investments, Edward Jones, and other financial firms. His background includes diverse positions in wealth management and financial planning. 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 delivers annual financial reviews and investment recommendations, with clients retaining final trading decisions and accounts reviewed at least annually.

Kevin Seales is a CFP® professional with five years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc. and has previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc., Bank of America, N.A., and Scottrade. He also holds Series 66 and Series 63 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.'s asset allocation models and research tools while leaving final trading decisions to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and delivers services including financial reviews and retirement planning without acting as a discretionary portfolio manager.

Kyle Ingram is a financial advisor at Schwab Wealth Advisory with Series 66 and Series 63 licenses and two years of industry experience. He has been with Schwab Wealth Advisory since 2026 and also worked at Charles Schwab & Co., Inc. since 2023. Prior to his advisory career, he spent several years in full-time education and worked at Troon North Golf Club. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Schwab’s asset allocation models and research tools to recommend investment allocations while leaving final trading decisions to clients.

Matthew Stange is a CFP® professional with 14 years of experience in financial advising. He currently works at Schwab Wealth Advisory and has prior experience with Raymond James Financial Services Advisors and several firms including Keyes, Stange & Wooten CPA Firm. He also serves as an adjunct professor at Stetson University, teaching finance courses designed to fulfill CFP educational requirements. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering tailored recommendations and annual financial reviews using proprietary Schwab research and asset allocation models.

John Gooch is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 12 years of industry experience. He has been with Schwab Wealth Advisory since 2019 and has worked at Charles Schwab since 2013. Outside of his advisory role, he coaches Brazilian Jiu Jitsu fundamentals classes for adults. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering 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 and does not directly charge clients fees, distinguishing its service model from many enterprise wealth managers.

Travis Banks is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has worked within the Charles Schwab organization since 2022 and previously held roles at TD Ameritrade. Outside of finance, he owns and manages Demeir Investments LLC and Demeir Home Solutions LLC, entities involved in real estate activities. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its wealth advisory program, delivering guidance based on Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Jose Guerra Jr. is a CFA® charterholder and Series 66 licensee with five years of industry experience. He currently serves as a financial advisor at Schwab Wealth Advisory, having previously worked at JPMorgan Securities LLC and BNP Paribas. Outside of his advisory role, he is a Regional Advisory Board Member for IDEA Public Schools of Tarrant County and a board member of the Fort Worth Hispanic Chamber of Commerce. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm delivers advice using Charles Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Charles Reeves is a financial advisor at Schwab Wealth Advisory with a Series 65 credential and over nine years of industry experience. He has previously worked at USAA Trust Services and Charles Schwab & Co., Inc. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, using Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations but does not exercise discretionary trading authority.

Cindy Luckritz is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and possessing 24 years of industry experience. She has worked at Schwab Wealth Advisory since 2012 and has been affiliated with Charles Schwab since 2000. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, using standard asset allocation models and research tools while leaving final trading decisions to clients.

Joseph Delia is a CFP® professional with seven years of experience in the financial industry. He currently works at Schwab Wealth Advisory and has prior experience at Charles Schwab and Co., Inc., TD Ameritrade, and Cerner. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools, while clients retain final trading decisions.

Christopher Turner is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He has been with Charles Schwab and its affiliated firms since 1999 and holds Series 63 and Series 66 designations. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority for client accounts.

Matthew Stevens is a CFP®, ChFC®, and holds a Series 66 license with 11 years of industry experience. He has been with Charles Schwab and its affiliates since 2015, including nine years at Charles Schwab Bank and currently at Schwab Wealth Advisory. 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 discussions, and investment recommendations across a variety of asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, utilizing Schwab’s research tools and asset allocation models while leaving final trading decisions to clients.

Vincent Zupo is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has held prior roles at GW&K Investment Management, AlphaCore Wealth Advisory, and Sage Rhino Capital LLC. Zupo is a member of the City of El Segundo Investment Advisory Committee. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not exercise discretionary trading authority, distinguishing its approach from many enterprise wealth managers.

Meagan Druey Schaefer is a financial advisor at Schwab Wealth Advisory with six years of industry experience. She holds a Series 66 credential and has worked previously at J.P. Morgan Securities, Bank of America, Merrill, and Charles Schwab & Co. Outside of her advisory role, she is the owner of Evergreen Kennels, where she breeds mini-Aussies. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations. The firm’s advice is delivered through standard Schwab asset allocation models and research tools, with clients retaining final trading decisions.

Eric Saunders is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2015. He holds the Series 66 designation and works out of Lone Tree, Colorado. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily through the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools, while clients retain final trading decisions.

Philip Mastellone is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. He has four years of industry experience, including a prior role at Morgan Stanley. His background also includes work outside finance in education and automotive retail. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools.

Andrew Kramer is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 14 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and has been associated with Charles Schwab since 2011. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm operates within the Schwab ecosystem, delivering advice through standardized asset allocation models and research tools while leaving final investment decisions to clients.

Mitchell Smyth is a CFP® and holds a Series 66 license, with 20 years of experience in the financial advisory industry. He has been with Schwab Wealth Advisory Inc and Charles Schwab since 2016. Smyth is based in Indianapolis, IN. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools, with clients retaining final trading decisions.

Deviemattie Makkar is a CFP® and ChFC® affiliated with Schwab Wealth Advisory, bringing four years of industry experience. Prior to joining Schwab Wealth Advisory, she worked at Fidelity Investments and has a background including a role at Weill Cornell Medical College. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s research tools and asset allocation models. The firm’s advice is delivered without discretionary trading authority, with final investment decisions made by clients.

Jonathan Wang is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab Bank and Charles Schwab & Co., Inc. Jonathan’s career includes both advisory and banking roles within the Schwab organization. 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 range of asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and Schwab research tools without exercising discretionary trading authority.