Andrew Kissinger is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2020. He has prior experience with Charles Schwab & Co., Inc. dating back to 2017 and worked at Carvana from 2014 to 2017. 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 emphasizes asset allocation and investment selection based on Schwab’s proprietary research tools and standard models, with recommendations tailored to individual goals and risk tolerance.

Alexander Chin is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. and Hillpointe Corporate Management. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s investment guidance is based on proprietary asset-allocation models and internal research, with recommendations tailored to each client’s goals and risk tolerance.

Francisco Herrera is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory Inc. He previously worked at The Vanguard Group, Inc. for nine years and has a background in full-time education prior to his financial career. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program, focusing on personalized asset allocation and investment selection guided by Charles Schwab & Co.’s research tools and standard models. The firm’s approach involves at-least-annual reviews without discretionary trading authority, emphasizing tailored recommendations consistent with clients’ goals and risk tolerance.

Everett Johnson is a Series 66-credentialed advisor with nine years of industry experience. He currently works at Schwab Wealth Advisory in Orlando, FL, where he has been since 2022. His prior roles include positions at Newport Group Securities, JPMorgan Chase Bank, J.P. Morgan Securities, Edward Jones, and Aon. 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 investment guidance is based on internal research and asset-allocation models, with recommendations tailored to clients’ goals and risk tolerance, while trades require client authorization.

Kimberly Frank is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63, Series 65, and Series 66 designations and bringing nine years of industry experience. She has held roles at Charles Schwab since 2014, including positions at Schwab Private Client Investment Advisory and currently at Schwab Wealth Advisory since 2025. 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.

John Escamilla is a CFP® and Series 66-licensed financial advisor with one year of industry experience. He is currently with Schwab Wealth Advisory, where he has worked since 2025. His prior experience includes roles at Merrill and Bank of America. 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 Charles Schwab & Co.-referred clients. The firm’s advice is centered on Charles Schwab’s proprietary asset-allocation models and internal research, offering tailored recommendations based on client goals and risk tolerance without exercising discretionary trading authority.

Archie Gaither Jr. is a CFP®-certified financial advisor at Schwab Wealth Advisory with nine years of industry experience. He has worked at several firms including Charles Schwab & Co., Inc. and Northwestern Mutual, and has held leadership roles in the nonprofit Arts For Lawrence organization. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing fiduciary investment advice and financial planning. The firm’s approach involves non-discretionary guidance based on Schwab’s asset-allocation models and research tools, with at-least-annual reviews tailored to each client’s goals and risk tolerance.

Mandy Tate is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory Inc. since 2020, following a 15-year tenure at Charles Schwab Bank and over two decades at Charles Schwab. 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 uses standardized asset-allocation models and internal research tools to tailor recommendations to clients’ goals and risk tolerance, while trades require client authorization.

Jay Bendesky is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Charles Schwab & Co., Proshare Advisor LLC, BCU Wealth Advisors, and Morgan Stanley. Schwab Wealth Advisory, Inc. 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 offers guidance on asset allocation and investment selection using Charles Schwab’s internal research tools, with reviews and recommendations tailored to individual client goals and risk tolerance.

Susan Bishara is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding a Series 66 designation and 16 years of industry experience. Her prior work includes roles at HSBC Bank USA, N.A., HSBC Securities (USA) Inc., and Equitable Advisors. She has been with Charles Schwab & Co. and Schwab Wealth Advisory since 2020. 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 clients’ goals and risk tolerance.

Mitchell Bailey is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. in Indianapolis, IN. He has been with Charles Schwab and Schwab Wealth Advisory since 2017 and 2018, respectively, following two years at County Materials Corporation. 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, using proprietary asset-allocation models and research tools. The firm emphasizes client authorization for trades and typically recommends separately managed accounts offered through third-party or affiliated managers.

Gregory Duracinski is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Charles Schwab Bank, CHARLES SCHWAB and CO., INC., TD Ameritrade, and Infogroup. He serves as a board member for Giles Ridge SID, a neighborhood organization in Omaha, NE. 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 select Charles Schwab & Co.-referred clients. The firm’s advice uses standard asset-allocation models and internal research tools, with trades executed only upon client authorization.

Keith Murphy is a CFP® professional with 22 years of industry experience. He is currently with Schwab Wealth Advisory, Inc. and has previously worked at Charles Schwab & Co., Jack Rabbit, and Robert Baird & Co. He holds Series 63 and Series 66 licenses. 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-referred clients. The firm’s approach uses Schwab’s internal asset-allocation models and research tools, delivering tailored recommendations through annual reviews without exercising discretionary trading authority.

John Loy is a CFP® professional with 17 years of experience in the financial industry. He currently works with Schwab Wealth Advisory Inc., where he has been since 2026, and has held roles within Charles Schwab and Charles Schwab Bank since 2021. His prior experience includes positions at Drury Hotels, Edward Jones, Eagle Strategies (NY Life), New York Life Insurance, and Capital One Sharebuilder. 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 offers guidance on asset allocation and investment selection based on Schwab’s standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Rey Camacho is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Merrill Lynch, Morgan Stanley, and Bank of America. 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’s investment guidance relies on standardized asset-allocation models and internal research tools, offering tailored recommendations reviewed at least annually.

Timothy Friend is a financial advisor with Schwab Wealth Advisory in Indianapolis, Indiana, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. His prior work includes roles at Royal Alliance Associates, Signator Investors, and R.D. Robinette & Associates. He has been with Charles Schwab and Schwab Wealth Advisory since 2018. 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 uses Charles Schwab’s asset-allocation models and research tools to offer personalized recommendations, while client authorization is required for trade execution.

Tanner Grech is a CFP®-certified financial advisor with Schwab Wealth Advisory, based in Phoenix, AZ. He has eight years of industry experience, including roles at Charles Schwab since 2018 and prior work at Metro Inspections, LLC and Northwest Trustee Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, with tailored recommendations aligned to clients’ goals and risk tolerance.

Nathan Hesman is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has worked within the Charles Schwab organization since 2011, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain CS&Co.-referred clients, utilizing Schwab’s asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Anthony Decotis is a financial advisor with Schwab Wealth Advisory and holds the Series 66 designation. He has 10 years of industry experience, including roles at Charles Schwab & Co., Bank of America, and Merrill. He is based in Orlando, FL. 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 uses Charles Schwab’s asset-allocation models and research tools to deliver tailored recommendations and typically recommends separately managed accounts managed by third-party or affiliated money managers.

Wade O Neal III is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at USAA, Merrill Lynch, Bank of America, Fisher Investments, and The Resource Fund Group. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm uses Charles Schwab’s asset-allocation models and research tools to provide tailored recommendations without exercising discretionary trading authority.