Nicholas Vladuchick is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 22 years of industry experience. He has been with Schwab Wealth Advisory Inc. since 2014 and Charles Schwab & Co., Inc. since 2006, with prior experience at Stifel and Ameriprise. 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 includes guidance on asset allocation and investment selection based on internal research and standard models, with trades executed only upon client authorization.

Isabella Muturi Sauve is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and TIAA-CREF. Outside of her advisory role, she is involved in providing care for her mother through a healthcare service. 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 based on Charles Schwab & Co.’s asset-allocation models and research tools, with recommendations tailored to client goals and risk tolerance.

Zachary Taylor is a financial advisor with Schwab Wealth Advisory in Indianapolis, IN, holding Series 63 and Series 66 licenses with eight years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2018 and was previously with Wells Fargo Bank, NA for one year. Taylor has been with Schwab Wealth Advisory since 2020. Schwab Wealth Advisory 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’s guidance on asset allocation and investment selection utilizes Charles Schwab’s asset-allocation models and internal research tools, with investment decisions executed only with client authorization.

Anthony Miller is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and having 26 years of industry experience. He has been with Schwab Wealth Advisory since 2019 and has worked at Charles Schwab since 1999. 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 select Charles Schwab & Co.-referred clients. The firm relies on Charles Schwab’s asset-allocation models and internal research tools to offer tailored recommendations, with trades executed only upon client authorization.

Patrick Nugent is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 65 and Series 66 licenses and bringing 27 years of industry experience. His prior roles include positions at USAA Financial Advisors Inc. and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm uses standard asset-allocation models and internal research tools to offer tailored investment recommendations, executing trades only with client authorization.

Everett Adams is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and two years of industry experience. His background includes roles at Charles Schwab & Co., Inc. and Raymond James Edgewater Family Wealth, alongside periods of full-time education. 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 uses standardized asset-allocation models and internal research tools to tailor recommendations, focusing on client goals and risk tolerance without exercising discretionary trading authority.

Allison Malcolm is a CERTIFIED FINANCIAL PLANNER™ professional with 14 years of industry experience. She is currently with Schwab Wealth Advisory and has held positions at firms including Northwestern Mutual Investment Services and Mercer Global Advisors. Outside of her advisory roles, she has been involved with the Nebraska Council on Economic Education. 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 services emphasize client-authorized asset allocation and investment selection supported by Charles Schwab & Co.’s research tools and standard models.

James Moran is a financial advisor with Schwab Wealth Advisory holding Series 63 and Series 66 licenses and three years of industry experience. He has been with Schwab Wealth Advisory since 2026 and also worked at Charles Schwab & Co., Inc. prior to that. Before entering financial services, Moran held positions at Nike, Wing Stop, and Academy Sports and Outdoors. 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, using asset-allocation models and internal research tools to tailor recommendations to client goals and risk tolerance. The firm operates without discretionary trading authority and utilizes separately managed accounts executed only with client approval.

Kendrick Perry is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He holds the CFP® and CFA® designations and has worked previously at TD Ameritrade, Fidelity, and Charles Schwab. Perry owns residential properties in Louisiana, one of which he plans to rent out. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm’s guidance is based on proprietary asset-allocation models and internal research, offering tailored recommendations with client authorization for trades.

Christopher Cornwall is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Charles Schwab since 1997 and has served at Schwab Wealth Advisory since 2012. Outside of his advisory role, Cornwall is the president and owner of Cornwall Enterprises LLC, a business that leases vehicles to drivers. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s asset-allocation models and research tools. The firm offers personalized recommendations with at-least-annual reviews, focusing on client goals and risk tolerance without exercising discretionary trading authority.

Mary Francesca Miller is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and two years of industry experience. Her prior roles include positions at Bank of America, Merrill Lynch, UBS Financial Services, and Charles Schwab. She previously spent over a decade in full-time education before entering the financial industry. Schwab Wealth Advisory serves clients enrolled 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 based on asset allocation models and internal research tools. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts handled by third-party or affiliated money managers.

Gregory Hernandez is a CFP® with 28 years of industry experience, currently serving at Schwab Wealth Advisory. His career includes long-term roles at USAA Financial Planning Services and various entities within Charles Schwab, where he has worked since 2020. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using asset-allocation models and internal research tools to tailor recommendations based on individual goals and risk tolerance.

Jacob Garcia is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and having three years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc. He has also held positions in various other industries, including behavioral health and delivery services. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering fiduciary investment advice, financial planning, and point-in-time wealth management consultations. The firm’s guidance is based on standard asset-allocation models and internal research tools, with recommendations tailored to each client’s goals and risk tolerance.

Dominick Chavez is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 10 years of industry experience. He has been with Schwab Wealth Advisory since 2020 and has worked at Charles Schwab & Co., Inc. since 2016. 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 follows standard asset-allocation models and internal research tools to offer tailored recommendations, with trades executed only upon client authorization.

Lauran Reynolds is a financial advisor with Schwab Wealth Advisory Inc., holding Series 63, Series 65, and Series 66 licenses and eight years of industry experience. Her career includes roles at Charles Schwab since 2018 and three years at Winthrop Capital Management. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.'s asset-allocation models and research tools to guide investment decisions.

Haziq Basharat is a CFA® charterholder and holds a Series 66 license with seven years of industry experience. He is currently with Schwab Wealth Advisory in Phoenix, AZ, and previously worked at Edward Jones and Edward Jones Trust Company. Schwab Wealth Advisory 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 advice is guided by Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations reviewed at least annually.

Zachariah Bickers is a CFP®-certified financial advisor with Schwab Wealth Advisory in Indianapolis, IN, and has nine years of industry experience. He has worked at Charles Schwab since 2017 and previously at Penske Automotive Group from 2010 to 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab’s asset-allocation models and research tools to offer tailored investment recommendations, with trades executed only upon client authorization.

Shane Spence is a CFP® professional with two years of industry experience, currently serving at Schwab Wealth Advisory in Orlando, FL. His prior roles include positions at Charles Schwab & Co., The LifeWealth Group, Madison Avenue Securities, AE Wealth Management, Equitable Advisors, and Earned Wealth. 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.

Evan Williams is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2018. He has been affiliated with Charles Schwab & Co., Inc. since 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referred clients. The firm’s guidance is based on standardized asset-allocation models and internal research tools, with client authorization required for all trades.

Jennifer Smith is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Schwab Wealth Advisory and Charles Schwab since 2017, following an 11-year tenure at Merrill. 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 Charles Schwab & Co.’s asset-allocation models and internal research tools, with client-tailored reviews and recommendations conducted at least annually.