Erik Jensen is a CFP® professional with nine years of industry experience, currently working at Schwab Wealth Advisory, Inc. He has previously held positions at Charles Schwab & Co., LPWM LLC, Ameriprise Financial Services, Morgan Stanley Private Bank, and The First National Bank in Sioux Falls. 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 utilizes internal asset-allocation models and research tools to offer tailored recommendations while maintaining client authorization for all trades.

Kacper Majerczyk is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Schwab Wealth Advisory with two years of industry experience. Prior to his advisory role, he spent several years in full-time education and operated a self-employed business. 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 Charles Schwab & Co.-referred clients. The firm’s investment approach uses Charles Schwab’s asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Scott Turner is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and with Charles Schwab since 1999. 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. The firm’s advice utilizes Charles Schwab & Co.’s asset-allocation models and internal research tools, focusing on tailored recommendations and at-least-annual reviews without discretionary trading authority.

Jesse Switzer is a financial advisor with Schwab Wealth Advisory Inc. in Indianapolis, Indiana. He holds the Series 63 and Series 66 designations and has 19 years of industry experience, including 14 years with Schwab Wealth Advisory and 19 years affiliated with Charles Schwab. 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 advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with customized recommendations aligned to clients’ goals and risk tolerance.

Justin Richards is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 14 years of industry experience. He has been with Charles Schwab since 2011 and with Schwab Wealth Advisory since 2016. 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 certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on Charles Schwab’s asset-allocation models and internal research tools, with trades executed only upon client authorization.

Eric Kurth is a CFP® and CFA® professional with 17 years of experience in financial advising. He has worked at Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. since 2016, following a three-year tenure at Spectrum Wealth Management. Kurth is based in Indianapolis, IN. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset allocation models and research tools. The firm emphasizes tailored recommendations with client authorization for trades and serves a broad client base through a structured, compliance-focused approach.

Scott Houtsma is a financial advisor with Schwab Wealth Advisory, Inc. in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to his current role, he worked at Charles Schwab & Co., Inc. and has diverse experience including positions at Lululemon and The Aspen Institute. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using asset allocation models and proprietary research tools. The firm focuses on client-directed investment decisions with annual reviews tailored to individual goals and risk tolerance.

Jacob Mc Comb is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Huntington National Bank and Filer Credit Union. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm utilizes Charles Schwab’s asset-allocation models and internal research tools to deliver tailored recommendations, while trades are executed only with client authorization.

Jorje Godina is a financial advisor with Schwab Wealth Advisory Inc., holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He previously worked at NYLIFE Securities LLC and New York Life Insurance Co. and has served in the Texas Air National Guard since 2014. Godina is also the finance officer for Wings without Borders, a nonprofit charitable organization. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Mark Porcelli is a CFP® professional with 19 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. He has previously worked with Charles Schwab & Co., TIAA-CREF, and Lenox Advisors, Inc. Porcelli is based in Jersey City, NJ. 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 approach emphasizes asset allocation and investment selection guided by internal research and standard models, with trades executed only upon client authorization.

Simon Kunthara is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Morgan Stanley, and Charles Schwab. Outside of financial advising, he is the owner and partner of SiHa LLC, a real estate business. 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 standardized asset-allocation models and internal research tools to guide investment selection, with trades executed only upon client authorization.

Christopher Berkland is a CFP® with 40 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. His career includes prior roles at Vanguard Advisers and USAA Financial Planning Services. He has been with Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using proprietary asset allocation models and conducting at least annual reviews tailored to client goals and risk tolerance.

John Everett is a financial advisor at Schwab Wealth Advisory with 22 years of industry experience and holds a Series 66 designation. His prior roles include positions at Janus Management Holdings Corp and Janus Distributors LLC, as well as earlier experience with Cetera Investment Services LLC, Chase Investment Services Corp., and Banc One Securities Corporation. He has been with Charles Schwab & Co. 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’s guidance focuses on asset allocation and investment selection based on Schwab’s proprietary models and research tools, with trades executed only upon client authorization.

Shawn Younglove is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2018 and previously at US Bank. Outside of his advisory role, he operates a dog sitting business through an online app. 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 offers asset allocation guidance and investment selection based on Schwab’s internal research tools, executing trades only with client authorization and typically recommending separately managed accounts handled by third-party or affiliated managers.

Katherine Evans is a Series 66-licensed financial advisor at Schwab Wealth Advisory with one year of industry experience. She has prior experience with Dunham & Associates Investment Counsel, Barton Associates, and Charles Schwab & Co., Inc. Outside of her advisory roles, she has engaged with organizations including The Salvation Army Kroc Center in San Diego and Sun Devil Athletics. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referrals, utilizing Charles Schwab’s asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Eric Labay is a CFP® professional with 28 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2011 and affiliated with Charles Schwab since 1999. He also serves in the US Army Reserves, holding the rank of Retired Captain. 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 & Co.-referred clients. The firm’s guidance is based on Charles Schwab’s asset allocation models and internal research, delivering tailored recommendations without exercising discretionary trading authority.

Javier Capetillo is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America Merrill Lynch, Mariner Wealth Advisors, and Regimen Wealth. Outside of his advisory work, he is a managing member of a rental property holding company. 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. The firm focuses on asset allocation and investment selection using Charles Schwab’s proprietary research and models, with trades executed only upon client authorization.

Jeffrey Sferra is a Certified Financial Planner (CFP®) with 17 years of industry experience. He is currently with Schwab Wealth Advisory, where he has worked since 2024, and previously held roles at Charles Schwab, Fidelity Investments, and Edward Jones. Outside of his financial advisory work, he co-owns a rental townhouse in Walnut Creek, California. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referrals from Charles Schwab & Co. The firm’s approach combines asset-allocation models and internal research tools to deliver tailored recommendations, with investment decisions executed only with client authorization.

Philip Thomas is a CFP® and Series 66-registered advisor with 15 years of industry experience. He is currently with Schwab Wealth Advisory Inc. in Indianapolis, having previously worked at Charles Schwab and Waddell & Reed. Thomas serves as a graduate advisor for the Iota Phi Theta Fraternity, a nonprofit organization focused on philanthropy and educational services. He also acts as a FINRA arbitrator, rendering decisions on securities-related disputes. 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 guidance is based on proprietary asset-allocation models and internal research, offering tailored recommendations with client authorization required for all trades.

Ghazwan Ramlawi is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked with Charles Schwab and affiliated entities since 1994 and has been self-employed since 1997. Outside of finance, he is involved in acting and modeling on a part-time basis. 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 proprietary asset-allocation models and research tools, with advice tailored to individual goals and risk tolerance, while trades require client authorization.