David Cooper is a CFP® with 26 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. since 2015. Prior to this, he has been self-employed for over a decade. He also serves as a volunteer board member for Boys Town of Central Florida. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations utilizing 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.

Richard Davidian is a CFP® professional with five years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Lone Tree, CO. His career includes roles at Charles Schwab, TD Ameritrade, MetLife, and Techtronic Industries. He also has prior experience in retail firearms sales. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its service model from many enterprise wealth managers.

Aaron Ellison is a CFP® and holds a Series 66 license with four years of industry experience. He currently works at Schwab Wealth Advisory, Inc. and has previously been employed by Charles Schwab & Co., Inc., Charles Schwab Bank, The Oxford Club, Heritage Financial Consultants, and Lincoln Financial Advisors Corporation. 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 tailored investment recommendations. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with final trading decisions made by clients.

Tina White is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. She has held roles at Charles Schwab since 2005 and previously worked at Schwab Private Client Investment Advisory, Inc. for nine years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Matthew Murray is a financial advisor at Schwab Wealth Advisory with 20 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and associated with Charles Schwab since 2011. He holds Series 63 and Series 66 licenses and is based in Indianapolis, IN. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on wealth management education and annual financial reviews without exercising discretionary trading authority.

Spencer Phillips is a financial advisor with Schwab Wealth Advisory in Austin, TX, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Charles Schwab & Co., Inc. and TD Ameritrade, with additional experience in retail and campus services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem with a distinctive fee structure and does not exercise discretionary trading authority.

Gayle Conrad is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Schwab Wealth Advisory since 2016 and with Charles Schwab since 2012. Schwab Wealth Advisory 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 a range of securities. The firm operates as an internal advisory unit within Charles Schwab, delivering advice through standardized allocation models and research tools while leaving final trading decisions to clients.

Steven Hale is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds a Series 66 designation and has worked previously at Edward Jones and TD Ameritrade. He has been with Schwab Wealth Advisory and Charles Schwab since 2017. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program. Its approach leverages standard asset allocation models and Schwab research tools, with advisors recommending allocations while clients retain final trading decisions.

Christopher Henson is a financial advisor with Schwab Wealth Advisory in Indianapolis, IN, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 1999. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, with final trading decisions made by clients, and conducts at least annual account reviews.

Kalyani Chandra is a Series 65-licensed financial advisor at Schwab Wealth Advisory with experience in estate and gift tax from her 16-year tenure at the Internal Revenue Service. She joined Schwab Wealth Advisory in 2025 after working at Charles Schwab since 2024. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations while clients retain final trading decisions. The firm operates within the Schwab ecosystem and uses standard asset allocation models and research tools to support its advisory services.

Michael Muldoon is a CFP® professional with eight years of experience in financial advising, currently with Schwab Wealth Advisory in Tysons Corner, VA. His prior roles include positions at Legacy Wealth Management Inc., Grove Point Investments, LLC, and TD Ameritrade Investment Management, LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on 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 Charles Schwab & Co., Inc., delivering advice without exercising discretionary trading authority.

Francis Brown is a Series 65-licensed financial advisor at Schwab Wealth Advisory with one year of experience. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co. in 2025, he worked at Brown Advisory for three years and Key Private Bank for ten years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services including financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses Schwab’s proprietary research tools and standard asset allocation models, with final trading decisions made by clients.

Juan Faget Aveledo is a financial advisor with Schwab Wealth Advisory based in Orlando, FL, holding Series 63 and Series 66 licenses and four years of industry experience. His prior experience includes roles at Charles Schwab, Bank of America, Merrill Lynch, Fidelity Investments, and Citibank N.A. in Panama. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations primarily through Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Jacquelyn Coleman is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her career includes roles at Northwestern Mutual Investment Management and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on financial reviews, retirement planning, and investment recommendations using Charles Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and differs from many enterprise wealth managers in its fee structure and client service model.

Derrick Presley is a financial advisor with Schwab Wealth Advisory Inc. in Indianapolis, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has been with Charles Schwab and its affiliated entities since 1996. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s standard 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.

Jeffrey Wingerter is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Citibank, City National Bank, and Citigroup. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program. The firm uses Charles Schwab’s proprietary asset allocation models and research tools to guide investment recommendations, leaving final trading decisions to clients.

Robert Williams is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including The Vanguard Group, Empower Financial Services, and Valic Financial Advisors. His background spans a range of financial services roles prior to joining Schwab Wealth Advisory. Schwab Wealth Advisory 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 and uses Schwab’s research tools and asset allocation models, with final trading decisions left to clients.

Hieu Tran is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Charles Schwab and its affiliated firms since 1999. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, providing clients with annual financial reviews, retirement planning, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools, delivering advice without discretionary trading authority, and operates as an internal advisory unit within the Schwab ecosystem.

Susan Hall is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 65, 66, and 63 licenses and bringing 19 years of industry experience. Her career includes prior roles at RBC Capital Markets, City National Bank, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across multiple asset classes. The firm delivers advice using Schwab’s asset allocation models and research tools, with clients retaining final trading decisions, and does not exercise discretionary trading authority.

Marco Williams is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Atlanta, GA. His prior experience includes roles at Charles Schwab, J.P. Morgan Securities, and JPMorgan Chase Bank. Outside of advising, he manages Third Mainland Holdings, LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations. The firm operates within the Schwab ecosystem, delivering advice via standard asset allocation models and research tools while leaving final trading decisions to clients.