Carson Rau is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Schwab Wealth Advisory with six years of industry experience. His prior work includes roles at Charles Schwab, TD Ameritrade, Spring EQ, NewDay Financial LLC, and the University of Delaware. Schwab Wealth Advisory 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 uses proprietary asset-allocation models and research tools to guide investment decisions, with a focus on client goals and risk tolerance.

Lauren Mc Carroll is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 13 years of industry experience. She has worked at Charles Schwab & Co., Inc., Charles Schwab Investment Advisory, Inc., and Wells Fargo Clearing. 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, offering tailored recommendations reviewed at least annually.

Jason Pearce is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked previously at Shunk Gulley and Charles Schwab & Co., Inc. His current role includes providing non-discretionary fiduciary investment advice and financial planning. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering guidance on asset allocation and investment selection based on standard asset-allocation models and internal research tools. The firm focuses on at-least-annual reviews tailored to clients' goals and risk tolerances and operates without discretionary trading authority.

Patricia Holdman is a CFP® professional with 19 years of experience in the financial services industry. She has worked at Charles Schwab and Schwab Wealth Advisory Inc. since 2020 and previously spent nine years at The Vanguard Group, Inc. in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and research tools. The firm focuses on client-authorized trades and offers tailored recommendations reviewed at least annually.

Elizabeth Garmatz is a CFP® with 22 years of industry experience. She is currently with Schwab Wealth Advisory Inc., having been with Charles Schwab 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 advice is based on Schwab’s asset-allocation models and research tools, with at least annual reviews tailored to clients’ goals and risk tolerance.

Bradford Karcher is a CFP® professional with eight years of industry experience, currently serving with Schwab Wealth Advisory in Indianapolis, IN. He has been with Charles Schwab and its affiliated entities since 2017 and previously worked at Marsh Supermarkets and Ball State University. He serves on the board of the Hamilton Southeastern High School Academy of Finance, where he participates in decisions regarding program funding and activities. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain referrals from Charles Schwab. The firm’s approach utilizes standard asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Jason Fredette is a CFP® and CFA® with 24 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, where he has worked since 2018, including prior roles at Charles Schwab and several banking institutions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients, using asset-allocation models and internal research tools to tailor recommendations based on individual goals and risk tolerance.

Adam Brown is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. since 2018, and previously spent six years with The Vanguard Group, Inc. He holds Series 63 and Series 65 licenses. 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 Schwab’s asset-allocation models and research tools to guide investment selection and typically recommends third-party or affiliated separately managed accounts.

Alexis Bonder is a CFP® and holds a Series 66 license, currently serving as a financial advisor with Schwab Wealth Advisory. Bonder has two years of industry experience, with prior roles at Fidelity Investments and FB Credit Services. Schwab Wealth Advisory 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 internal research tools to guide investment selection and wealth management consultations.

Brett Decker II is a CFP® certified financial advisor with 13 years of industry experience. He has been with Schwab Wealth Advisory Inc. since 2015 and has been associated with Charles Schwab since 2012. He holds Series 63 and Series 66 licenses and is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab & Co.’s asset-allocation models and internal research tools to deliver tailored recommendations aligned with clients’ goals and risk tolerance.

Ronald Abramson is a financial advisor at Schwab Wealth Advisory with 29 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Charles Schwab since 1997, serving at Schwab Wealth Advisory since 2015. Based in Indianapolis, IN, he provides financial planning and investment guidance within the Schwab Wealth Advisory program. Schwab Wealth Advisory delivers non-discretionary fiduciary investment advice and wealth management consultations to clients enrolled in its program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on proprietary asset-allocation models and internal research tools, offering tailored recommendations reviewed at least annually.

Toavina Ranaivoarijaona is a financial advisor at Schwab Wealth Advisory with five years of industry experience. She holds a Series 66 designation and has previously worked at Equitable Advisors and Global Solutions. Outside of her advisory role, she co-founded Malagasy In USA, a nonprofit charitable organization, where she serves as Chief of Staff. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s investment approach is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Grant Gottdiner is a CFP® professional with five years of industry experience, currently advising at Schwab Wealth Advisory. He has held positions at several major firms, including Fidelity Investments, Bank of America, Merrill Lynch, and Charles Schwab. Outside of finance, he has worked with the University of Kentucky Johnson Center and has experience in landscaping and club management. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on proprietary asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Scott Fellows is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. He has been with Charles Schwab since 2007 and with Schwab Wealth Advisory since 2012. 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-referred clients. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research tools, offering tailored recommendations with client authorization required for trades.

Katherine Thomas is a CFP®-certified financial advisor with nine years of industry experience. She is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc., joining both in 2026. Prior to that, she worked at LPL Financial, LLC for 13 years and has experience at the CIEP Clinic, Sturm College of Law. 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, using asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Brandon Sarlls is a financial advisor with Schwab Wealth Advisory, Inc., holding a Series 66 designation and 18 years of industry experience. His career includes positions at Edward Jones and Charles Schwab Bank, SSB, where he has worked since 2011. 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 includes asset allocation and investment selection based on internal research tools and standard asset-allocation models, with client authorization required for all trades.

John Blest is a CFP® professional affiliated with Schwab Wealth Advisory, bringing nine years of industry experience. His career includes roles at Charles Schwab & Co., TD Ameritrade, and Scottrade. Outside of finance, he is involved in general contracting work related to construction, carpentry, and concrete. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients in the Schwab Wealth Advisory program. The firm’s approach is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Nicholas Scherer is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated firms since 2022. Prior to his advisory roles, his work experience includes positions at Simon Property Group and Capital Strategies Investment Group, along with periods of full-time education. 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 uses standard asset-allocation models and internal research tools to guide investment decisions, with trades executed only upon client authorization.

Noah Boriack is a CFA® charterholder with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Austin, TX. His career includes roles within various Charles Schwab entities since 2022. Outside of finance, he has work experience in retail and food service industries. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s investment guidance is based on Charles Schwab & Co.’s asset allocation models and internal research, with recommendations tailored to clients’ goals and risk tolerance.

Paul Bromelkamp is a CFP® professional with five years of industry experience. He is currently an advisor at Schwab Wealth Advisory, Inc. and has previously worked at Fidelity Investments and TD Ameritrade. 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’s approach is based on Schwab’s asset-allocation models and internal research, offering guidance on a range of investment options with client authorization required for trades.