Jacob Howard 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 2019. Prior to joining Schwab Wealth Advisory in 2022, he was employed at Grand Canyon University for one year. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm uses Charles Schwab’s research tools and standard asset allocation models, with advisors recommending investments while clients retain final trading decisions.

Roxana Farrar is a financial advisor with Schwab Wealth Advisory in Jefferson, GA, holding a Series 66 designation and 15 years of industry experience. She previously worked at Morgan Stanley and Ameriprise Financial Services. Farrar is a co-owner of a family restaurant business but does not have an active role in its operations. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews and investment recommendations using Schwab’s research tools, with client-directed trading and periodic account reviews.

Ammiel Banayat is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2019. He also serves as a Captain and Company Commander in the Arizona Army National Guard, where he is involved in explosive ordnance disposal operations. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering a range of services including financial reviews, retirement planning, and investment recommendations through Schwab's proprietary research and allocation models.

Mac Kenzie Stine is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and five years of industry experience. Prior to joining Schwab Wealth Advisory, Stine worked at TD Ameritrade and has held various other roles including time at Shallow River Emporium and 5 Gallons Diner. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to recommend investments, with final trading decisions made by clients. The firm operates as an internal advisory unit within Schwab and differs from many enterprise wealth managers in its fee structure and client focus.

Sydney Bianchi is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and six years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Bianchi worked at Charles Schwab Bank and Charles Schwab, with additional experience in healthcare and retail sectors. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, utilizing Schwab’s research tools and standard asset allocation models while leaving final trading decisions to clients.

David Zuniga is a CFP® professional with 27 years of experience in financial advisory. He is currently with Schwab Wealth Advisory and has held prior roles at Charles Schwab and USAA in various financial planning and investment services positions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm delivers annual financial reviews and investment recommendations, with clients retaining final trading decisions.

Allie Trimble is a CFP® and holds a Series 66 license with six years of industry experience. She currently works at Schwab Wealth Advisory Inc and Charles Schwab & Co., Inc., joining both firms in 2025. Prior to this, she spent five years at The Vanguard Group, Inc., and two years at Kennedy Investment Group. Schwab Wealth Advisory, Inc. 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 based on Schwab’s standard asset allocation models and research tools, with final trading decisions made by clients.

Connor Gianoli is a financial advisor with Schwab Wealth Advisory holding a Series 66 designation and beginning his advisory career in 2024. His prior work includes roles at Charles Schwab, Chipotle Mexican Grill, and An Exceptional Life Financial, as well as several years in full-time education. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm focuses on annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Michael White is a financial advisor with Schwab Wealth Advisory in Indianapolis, IN, holding Series 63 and Series 66 designations and having 20 years of industry experience. He has worked at Charles Schwab and its affiliated firms since 2006. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not charge clients directly, focusing primarily on individual wealth management rather than institutional accounts.

Stephen Lee is a CFA® charterholder and holds the Series 66 designation, currently serving as a financial advisor at Schwab Wealth Advisory with four years of industry experience. Before joining Schwab in 2026, he worked at IIYGroup LLC for five years and at Research Affiliates for eleven years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm offers a range of investment recommendations and annual financial reviews while leaving final trading decisions to clients.

Brian Fox is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Schwab Wealth Advisory since 2018 and previously spent 17 years at TIAA. Outside of his advisory work, he serves as a soccer referee in Colorado, acting as the final authority on match decisions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem and delivers advice based on standardized asset allocation models and Schwab research tools.

Ollie Kirkpatrick is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has worked with Charles Schwab and its affiliated entities since 1999, including Schwab Private Client Investment Advisory from 2012 to 2022 and Schwab Wealth Advisory since 2023. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab's research tools and asset allocation models. 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 other enterprise wealth managers.

Karen Chin is a financial advisor with Schwab Wealth Advisory Inc. She holds Series 63 and Series 66 licenses and has 28 years of industry experience. She has been with Charles Schwab and its associated entities since 1997. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Cathryn Sandborn is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 certifications and three years of industry experience. Her prior work includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and various positions outside financial services including education work with the Government of Spain and community involvement with The Leukemia & Lymphoma Society. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews and tailored investment recommendations using Schwab’s asset allocation models and research tools. Their advisory services are delivered within the Schwab ecosystem, with clients retaining final trading decisions.

Charles Bevan is a CFP® professional associated with Schwab Wealth Advisory Inc. in Charlotte, NC, with two years of industry experience. He has held roles at Charles Schwab & Co., Vanguard Marketing Corporation, The Vanguard Group, and Wells Fargo Bank and Clearing Services. 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 using Schwab’s proprietary asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Gun Esen is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Charles Schwab since 1999 and has worked at Schwab Wealth Advisory since 2012. Outside of his advisory role, he manages rental properties in Carmel, Indiana. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm’s services include annual financial reviews, retirement and planning discussions, and investment recommendations, with final trading decisions made by clients.

David Nieto is a CFP® professional with 11 years of industry experience, currently advising clients at Schwab Wealth Advisory in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2017 and affiliated with Charles Schwab since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm focuses on wealth management education and investment recommendations, leaving final trading decisions to clients, with periodic account reviews rather than discretionary management.

Gregory Perkin is a CFP® with 27 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 1998. Outside of his financial advisory role, he is also active as a freelance musician. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations across a variety of asset classes. The firm operates within the Schwab ecosystem, utilizing proprietary research tools and standard asset allocation models while leaving final trading decisions to clients.

Martin Czerwonka is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His prior roles include positions at USAA Financial Advisors and USAA Investment Services Company. Outside of his advisory work, he is an owner of a cabin that he occasionally rents through Airbnb. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to guide investment recommendations while leaving final trading decisions to clients.

Matt Lybarger is a financial advisor with Schwab Wealth Advisory in Indianapolis, IN, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His career includes positions at Schwab Wealth Advisory Inc. since 2020, Charles Schwab & Co., Inc. since 2018, and Scottrade from 2016 to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice as part of the Schwab Wealth Advisory program, offering annual financial reviews 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, distinguishing its advisory approach from many enterprise wealth managers.