Ryan Gahler is a financial advisor at Schwab Wealth Advisory, Inc. with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TD Ameritrade and Charles Schwab & Co., Inc. He is based in Westlake, TX. 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 research tools, offering tailored recommendations with client authorization for trades.

Aaron Cantrell is a CFP® and holds a Series 66 license with three years of industry experience. He is currently with Schwab Wealth Advisory in Indianapolis, IN, where he has worked since 2024. His prior experience includes roles at Charles Schwab, Charles Schwab Bank SSB, Kroger, Purdue Baseball, Home Depot, and Zionsville Community Schools. 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 guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, with a focus on client goals and risk tolerance, while investment execution requires client authorization.

Adam Foster is a CFP® professional with 18 years of industry experience. He currently works at Schwab Wealth Advisory, where he has been employed since 2024. Prior to this, he spent nine years at TIAA-CREF. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, offering tailored guidance on asset allocation and investment selection with client-authorized trade execution. The firm utilizes Charles Schwab & Co.’s asset-allocation models and research tools and serves a large client base with a focus on separately managed accounts and structured compliance measures.

Alex Mindemann is a CFP® professional with nine years of experience in the financial services industry. He has been with Schwab Wealth Advisory Inc. since 2021 and has prior experience at Charles Schwab & Co., Inc. and OppenheimerFunds Distributor, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for 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 deliver tailored recommendations while trades require client authorization.

Erin Boch is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Schwab Wealth Advisory, she worked at Charles Schwab & Co., Inc. and has additional experience with Tucson Robin Hood Inc. Outside of her advisory role, she has ownership and management responsibilities for a rental property. 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 advice is based on Schwab’s asset-allocation models and internal research tools, with recommendations tailored to each client’s goals and risk tolerance.

Tara Smith is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. She has worked at firms including Charles Schwab and Fidelity, and has been with Schwab Wealth Advisory since 2013. Outside of advising, she serves as an adjunct faculty member at Paradise Valley Community College, teaches fitness classes, works as a consultant for Young Living Essential Oils, and is an author writing about the adoption process. 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 approach uses Charles Schwab & Co.’s asset-allocation models and internal research tools, delivering tailored recommendations with client authorization required for trades.

Calvin Celentano is a CFP® and CFA® credentialed financial advisor at Schwab Wealth Advisory with 14 years of industry experience. His prior roles include positions at Fidelity Investments, TD Ameritrade, Epstein and White Financial LLC, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program. The firm’s approach is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, offering tailored recommendations without discretionary trading authority.

Brent Carlson is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory since 2025, previously serving at Charles Schwab & Co., Inc. and in mortgage services. Outside of his advisory role, he creates independent entertainment reviews of television shows and movies on YouTube. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance, based on internal research and asset-allocation models, includes mutual funds, ETFs, SMAs, and alternative investments, with trades executed only upon client authorization.

Adam Tobias is a CFP® with nine years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, where he has worked since 2025, and has prior experience at Ameriprise Financial Services LLC and Schwab Private Client Investment Advisory. Tobias is based in Orlando, Florida. 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. The firm’s investment approach relies on internal asset-allocation models and research tools, with recommendations tailored to individual client goals and risk tolerance.

Kerry Vandine is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated firms since 2000. Vandine is based in Phoenix, AZ. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations. The firm’s advice follows Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored annually to clients’ goals and risk tolerance.

Julian Lam is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Schwab Wealth Advisory and Charles Schwab since 2017, following six years at Fisher Investments. Outside of advisory work, he is involved in food delivery services through Uber Eats. 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 emphasizes asset allocation and investment selection based on Schwab’s standard models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Steven Molinario is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 13 years of industry experience, including prior work at Cetera Advisors LLC. He has been with Charles Schwab and Schwab Wealth Advisory since 2022. 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 point-in-time wealth management consultations. The firm’s advice is based on Schwab’s asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.

Ma Paula Louise Leido is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. She holds Series 63 and Series 66 licenses. Her prior work includes roles at Amazon.com and Philippine Savings Bank. 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 approach emphasizes asset allocation and investment selection using Schwab’s proprietary research tools, with recommendations tailored to individual goals and risk tolerance.

Hope Babbington is a CFP®-certified financial advisor at Schwab Wealth Advisory with six years of industry experience. She has held various roles within the Charles Schwab organization since 2019, including positions at Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB. Prior to Schwab, her work background includes roles at Butler University, Government Employees Insurance Company, and Aflac. 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 services focus on asset allocation and investment selection using standard asset-allocation models and internal research, with client-directed trade execution and regular reviews tailored to individual goals and risk tolerance.

Thomas Buckman is a CFP® with 12 years of experience in the financial industry. He is currently with Schwab Wealth Advisory and Charles Schwab & Co., Inc. since 2024. His prior experience includes roles at The Vanguard Group and Uber. 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 select Charles Schwab & Co.-referred clients. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Lidija Gjorgjievska is a CFP®-designated financial advisor with 12 years of industry experience, currently with Schwab Wealth Advisory Inc. She has worked at Schwab Wealth Advisory since 2018 and has prior experience with TD Ameritrade and Northwestern Mutual Investment Management. Outside of finance, she teaches virtual yoga sculpt and strength training classes. 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, utilizing a research-driven, asset allocation approach tailored to individual goals and risk tolerance.

Bawi Ceu is a CFP® professional with three years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Indianapolis, IN. Prior to joining Schwab Wealth Advisory, Ceu held roles at Charles Schwab and Mutual of Omaha Investor Services. Outside of finance, Ceu worked in language services at LUNA Language Services. Schwab Wealth Advisory 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 uses standardized asset-allocation models and internal research tools to tailor recommendations based on clients’ goals and risk tolerance, without exercising discretionary trading authority.

John Monfreda is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses with 35 years of industry experience. He has worked at Charles Schwab since 2006 and Schwab Wealth Advisory since 2012. Outside of his advisory role, he serves as vice president of Monfreda Realty Group, LLC, a non-investment business managing a rental portfolio. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with client authorization required for all trades.

Arianna Stern is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 licenses and two years of industry experience. She previously worked at Charles Schwab Bank and Charles Schwab, and has experience working with Money Positive Cooperative and Fun Factory USA. 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.

Lauren Melroy is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2017. She has been affiliated with Charles Schwab since 2014. 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 approach utilizes Charles Schwab’s asset-allocation models and internal research tools to guide investment selection with client authorization.