Bryan Skoruppa is a Certified Financial Planner (CFP®) with 23 years of industry experience. He currently works at Schwab Wealth Advisory, Inc., having joined in 2022, and has prior experience with Charles Schwab & Co., USAA Financial Advisors, and Ameriprise. 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. The firm’s guidance includes asset allocation and investment selection based on proprietary research and standard asset-allocation models, with client authorization required for all trades.

Corey Jones is a CFP® professional with 16 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2016. He also holds a member position at Creative Inspiration, LLC, a non-investment-related freelance journalism and project management business founded by his wife. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations.

Margaret Mueller is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 12 years of industry experience. Her career includes roles at Schwab Wealth Advisory, Charles Schwab, TD Ameritrade, Scottrade, and Wells Fargo Clearing. 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–referred clients. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored investment recommendations without exercising discretionary trading authority.

Lindsay Thompson is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2018. 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 referred clients. The firm uses standard asset-allocation models and internal research tools to guide investment selection and asset allocation, with trades executed only upon client authorization.

Kristopher Williams is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds a Series 66 designation and has worked at various Schwab entities as well as Bank of America and Merrill Lynch. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients 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 Charles Schwab’s models and research, with client authorization required for trades.

Richard Kars is a financial advisor at Schwab Wealth Advisory with Series 63 and 65 licenses and 34 years of industry experience. He has been with Schwab Wealth Advisory and Charles Schwab since 2013 and previously worked at Securities America Advisors, Inc. from 2010 to 2012. 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. The firm uses standard asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance, with trades executed only with client authorization.

Drew Stuart is a financial advisor with Schwab Wealth Advisory in Indianapolis, IN, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at Schwab Private Client Investment Advisory, Charles Schwab & Co., Inc., and Mass Mutual Investors Services. 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 tailor recommendations based on individual goals and risk tolerance.

Jonathan Smilie is a Personal Investment Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop strategies tailored to their unique ambitions and financial goals. His approach focuses on aligning clients with the appropriate people, plans, and processes to address priorities such as funding education, retirement planning, and managing potential health care costs. Jonathan holds a High School Diploma from Liberty University and has earned the Personal Investment Advisor (PIA) designation. He emphasizes clarity and transparency in his work, aiming to simplify the complexities of wealth planning and help clients make informed decisions throughout their financial journey.

Leo Lyons is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and three years of industry experience. He has worked at Charles Schwab since 2023 and joined Schwab Wealth Advisory Inc. in 2025. Prior to this, he held roles at Accurity Consolidated, Trueblood Real Estate, and Giants Stadium LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning 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 internal research, offering tailored recommendations without exercising discretionary trading authority.

Tatiana Brownell is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2008, joining Schwab Wealth Advisory in 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain referrals. The firm uses Charles Schwab’s asset-allocation models and research tools to guide investment selection, with client authorization required for all trades.

Ernest Giltner is a CFP® professional with nine years of experience in the financial industry, currently serving as an advisor at Schwab Wealth Advisory Inc. in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2018 and with Charles Schwab & Co., Inc. since 2017. 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 referred clients. The firm relies on Charles Schwab & Co.’s asset-allocation models and internal research tools to deliver tailored recommendations, with a focus on at-least-annual reviews and client-authorized transactions.

Lindsey Underwood is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. She has held roles at Schwab Wealth Advisory since 2012 and has been with Charles Schwab since 2009. Outside of her advisory work, she serves as Vice President of Membership for Phoenix Delta Gamma, a social alumnae sorority organization. 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 focuses on asset allocation and investment selection based on Schwab’s internal research, with recommendations tailored to clients’ goals and risk tolerance.

Gilberto Cuen is a CFP® professional at Schwab Wealth Advisory with 11 years of industry experience. He has been with Charles Schwab since 2014 and has worked at Schwab Wealth Advisory since 2019. Outside of his advisory role, he is involved in buying, renovating, and selling homes. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s services focus on asset allocation, investment selection, and wealth management consultations, using standardized models and internal research tools tailored to clients’ goals and risk tolerance.

Joseph Estrella is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. Prior to joining Schwab Wealth Advisory in 2022, he worked at Protein Lab and held positions at Chick Fil A and Burlington. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm emphasizes client-tailored recommendations and operates without discretionary trading authority, supporting a range of investment options including mutual funds, ETFs, and separately managed accounts.

Rimannuel Appling is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab & Co., Loan Depot, and TIAA-CREF. 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 proprietary asset-allocation models and research tools.

Lisa Hemby is a CFP® professional with eight years of industry experience, currently with Schwab Wealth Advisory Inc. She previously worked at The Vanguard Group, Inc. and Edward Jones among other firms. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co., providing fiduciary investment advice, financial planning, and wealth management consultations. The firm’s guidance is based on Charles Schwab & Co.’s asset allocation models and internal research, with client authorization required for all trades.

Carrie Allstatt is a CFP® professional with 25 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. She has worked with various entities within Charles Schwab & Co. since 2004, including Schwab Private Client Investment Advisory, Inc. from 2012 to 2019. 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-referred clients. The firm uses proprietary asset-allocation models and internal research tools to guide investment selection, focusing on client goals and risk tolerance without exercising discretionary trading authority.

Lorianne Rivas is a CFP® and holds a Series 66 license with five years of industry experience. She is currently with Schwab Wealth Advisory, where she has worked since 2025. Her prior experience includes positions at Reffsin Financial and Williams Jones Investment Management. 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 Schwab’s asset allocation models and research tools, offering tailored recommendations reviewed at least annually.

Zarina Stankov is a CFP® professional with 13 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She has worked with Charles Schwab since 2016 and previously spent three years at Fidelity. 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’s asset-allocation models and internal research tools. The firm emphasizes client-authorized trades and offers tailored recommendations based on individual goals and risk tolerance.

Judith Espinosa is a CFP® professional with three years of industry experience, currently serving as a wealth advisor at Schwab Wealth Advisory. Her prior roles include positions at Charles Schwab Investment Management and TD Ameritrade Inc. She is based in Westlake, Texas. Schwab Wealth Advisory 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 involves goal- and risk-based recommendations using proprietary asset-allocation models and a range of investment options, executed only with client authorization.