Sasho Smileski is a CFP®-certified financial advisor with six years of industry experience, currently with Schwab Wealth Advisory, Inc. Prior to joining Schwab Wealth Advisory in 2026, he held positions at Charles Schwab & Co., Charles Schwab Bank, Bank of America, and Merrill. Outside of advising, he is a landlord of residential properties in Washington State. 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 guided by Schwab’s asset-allocation models and internal research tools, with client authorization required for all trades.

Stephen Carpenter is a Series 66 licensed advisor with Schwab Wealth Advisory, where he has worked since 2020. He has 10 years of industry experience, including roles at Charles Schwab Bank and Charles Schwab. He is based in Orlando, FL. 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 & Co.-referred clients. The firm uses Charles Schwab’s asset allocation models and research tools to guide investment selection, with trades executed only upon client authorization.

Anna Kramer is a CFP® and ChFC® with 27 years of industry experience. She has worked at Schwab Wealth Advisory Inc. and Charles Schwab & Co. since 2020, following 16 years at USAA Financial Planning Services and USAA Financial Advisors, Inc. She also holds a role at the Maricopa County Elections Department since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. Their approach uses Charles Schwab & Co.’s asset-allocation models and internal research tools, focusing on tailored recommendations without exercising discretionary trading authority.

Derrick Carter is a CFP® professional with 11 years of industry experience, currently serving at Schwab Wealth Advisory. His prior experience includes roles at Fidelity Investments and Fidelity Personal and Workplace Advisors. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s approach uses Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations with client-authorized trade execution.

Denis Cronin is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Charles Schwab, Raymond James Financial Services, Bank of America, and Merrill. 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 utilizes Charles Schwab’s asset-allocation models and internal research tools, offering tailored recommendations with at-least-annual reviews.

Ashley Hayworth is a financial advisor with Schwab Wealth Advisory, Inc. She holds Series 63 and Series 66 licenses and has 12 years of industry experience. Her career includes roles at Schwab Wealth Advisory, Charles Schwab, TD Ameritrade, Stifel Nicolaus, and Scottrade. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and internal research tools. The firm focuses on tailored guidance and client-authorized trades, serving a large client base through a distinctive affiliated structure.

Nicholas Eppler is a CFP® and holds a Series 66 license with four years of industry experience. He is currently a financial advisor at Schwab Wealth Advisory in Chicago, IL, having previously worked at firms including Edward Jones, Fidelity Investments, and MassMutual. Eppler has also held roles outside of financial services, including employment with Keyence Corporation of America. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm employs asset-allocation models and research tools to guide investment decisions, with client authorization required for trades, and typically recommends separately managed accounts handled by third-party or affiliated managers.

Joshua Obolewicz is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Schwab Wealth Advisory in 2026, he held positions at Charles Schwab & Co. and Charles Schwab from 2023 to 2025, and worked in various other roles including at Swain Electric Inc. and Harkins Theatres. 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 relies on Charles Schwab’s asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

John Sullivan III is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at USAA Group and UBS Financial Services. 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 Charles Schwab & Co.-referred clients. The firm utilizes standardized asset-allocation models and internal research tools to offer tailored recommendations, while trades require client authorization.

Erica Williams is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. She holds the Series 66 designation and has worked at Schwab Wealth Advisory since 2020, following a tenure at Charles Schwab beginning in 2013. Prior to her financial services career, she worked for the Orlando Magic from 2011 to 2018. 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 offers guidance on asset allocation and investment selection based on Schwab’s standard asset-allocation models and research tools, with portfolio recommendations tailored to clients’ goals and risk tolerance.

James Malm is a CFP® professional at Schwab Wealth Advisory with seven years of industry experience. He has previously worked at T. Rowe Price and First Command Financial Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program. The firm bases its recommendations on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored guidance and using third-party or affiliated managers for separately managed accounts.

Alice Ruiz is a CFP® professional with 17 years of industry experience, currently affiliated with Schwab Wealth Advisory. Her career includes roles at Fidelity Investments, JP Morgan Securities LLC, Wells Fargo Clearing, Merrill, and Banc of America Investment Services. She holds the Series 66 designation and is based in San Diego, CA. 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 internal research tools and standard asset-allocation models, with client-directed trading and periodic reviews tailored to individual goals and risk tolerance.

Carlton Stokes is a CFP® professional with four years of industry experience. He is currently an advisor at Schwab Wealth Advisory, where he has worked since 2025. His prior experience includes roles at Charles Schwab and State Farm. 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 Charles Schwab’s asset-allocation models and internal research tools.

Michelle Sils is a financial advisor with Schwab Wealth Advisory in Orlando, FL. She holds Series 63 and Series 65 licenses and has five years of industry experience, including roles at TD Ameritrade and Charles Schwab & Co. Prior to her financial career, she worked in automotive sales at BMW and in other industries. 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 guidance is based on Charles Schwab’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Ryan Beesmer is a CFP® and Series 63-registered advisor with Schwab Wealth Advisory, based in Orlando, FL. He has seven years of industry experience, including roles at Charles Schwab & Co., Inc., Schwab Wealth Advisory Inc., and Lincoln Investment. His background also includes positions at Fidelity Brokerage Services and involvement in a congressional campaign. 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. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations with client-approved trade executions.

Kyle Vincent is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked with Schwab Wealth Advisory Inc. since 2020, Charles Schwab & Co., Inc. since 2018, and Scottrade, Inc. from 2016 to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Raci Yigitbas is a CFA® charterholder with 27 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2012 and associated with Charles Schwab since 1999. Based in Lone Tree, CO, Yigitbas 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, using Charles Schwab & Co.’s asset-allocation models and research tools to guide investment selection, with trades executed only upon client authorization.

Caroline Logozzo is a CFP® with six years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. She has previously worked at JPMorgan Chase Bank and Equitable Financial Life Insurance Co. Outside of finance, her background includes roles at Bentley University and involvement with Glenbrooke Swim & Tennis Club. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s advice is guided by proprietary asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Christian Goza is a financial advisor at Schwab Wealth Advisory with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2019. His prior experience includes positions at Marathon Gas and Chase Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach centers on asset allocation and investment selection guided by Schwab’s internal research tools, with personalized recommendations reviewed at least annually.

Annajane Mooney is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and five years of industry experience. She has worked at Charles Schwab & Co., Inc. since 2021 and joined Schwab Wealth Advisory in 2025. Outside of finance, she designs custom costume commissions through her textile art business and is involved in live-action theater, including writing scripts and managing sets and props. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain referred clients by providing non-discretionary fiduciary investment advice and financial planning. The firm’s approach uses Charles Schwab’s asset-allocation models and research tools, offering tailored recommendations with client authorization for trades.