Nicholas Keener is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various Charles Schwab entities since 2015. Keener is based in Lone Tree, Colorado. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations. The firm delivers advice using Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Lawrence Tunnell is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab in various capacities since 2011. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across a range of asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly, distinguishing its model from many other enterprise wealth managers.

Jason Rogers is a Certified Financial Planner® (CFP®) with seven years of industry experience. He currently works at Schwab Wealth Advisory and has held positions at firms including Fisher Investments and Merrill Lynch. Outside of his advisory work, he is involved with Toro Management LLC, a real estate management business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools to recommend investments while leaving final trading decisions to clients. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge fees to clients for its services.

Justin Scalcucci is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He previously worked at Protective Life Corporation and has been with Charles Schwab & Co., Inc. since 2020. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations based on Schwab’s 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.

Cole Bialek is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. He has worked at Schwab Wealth Advisory Inc. since 2025 and has prior experience at Charles Schwab and The Porch. 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 to support investment recommendations, with final trading decisions made by clients. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Moosah Dowlatabadi is a CFP® with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Charles Schwab, Charles Schwab Bank, SmartPath, and E*TRADE Securities. Outside of his advisory work, he coaches youth soccer at United Futbol Academy Metro Atlanta. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews and investment recommendations based on Schwab’s research tools and asset allocation models.

Daniel Munger is a CFP® and Series 66-registered financial advisor at Schwab Wealth Advisory with six years of industry experience. He has previously worked at firms including Fidelity Investments, Wells Fargo Clearing, and The Prudential Insurance Company of America. Based in Indianapolis, IN, Munger joined Schwab Wealth Advisory in 2025 after two years with Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services such as annual financial reviews and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, using standard asset allocation models and Schwab research tools, and does not charge clients directly for its advisory services.

Erica Ngo is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab in various roles since 2012. Prior to joining Schwab Wealth Advisory, she worked at Barrister Title Services, Inc. for one year. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem, delivering advice without discretionary trading authority and primarily serving individual investors.

Crystal Huggins is a CFP® with 20 years of industry experience, currently serving at Schwab Wealth Advisory. Her prior roles include positions at J.P. Morgan Securities, Wells Fargo Advisors, and Missionsquare Retirement. She is based in Westlake, TX. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering 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 the Schwab ecosystem, with advisors recommending allocations while clients retain final trading decisions.

Melia Baker is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 licenses. She has seven years of industry experience and has been with Schwab Wealth Advisory since 2020. Prior to her advisory role, she worked in the restaurant and retail industries. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s standard asset allocation models and research tools.

Jacob Nordquist is a CFP®-designated financial advisor with Schwab Wealth Advisory in Phoenix, AZ, bringing three years of industry experience. Before joining Schwab, he worked in the restaurant industry, including roles at Gen Korean BBQ and PK Shabu. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, 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 exercise discretionary trading authority.

Monica Zwipf is a CFP® with eight years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. She has held positions at several firms including KeyBank NA and Cetera Investment Services LLC. Outside of her advisory role, she serves as secretary for a nonprofit supporting police dogs and is a self-published author of a children’s book titled "The Magic of Different Brains." 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 across multiple asset types. The firm operates within the Schwab ecosystem, using proprietary research tools while leaving final investment decisions to clients.

Joseph Lopez is a CFP® certificant with 14 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at USAA Financial Advisors, Inc. and USAA Investment Management Company. Lopez is based in Austin, TX. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, using Schwab’s asset allocation models and research tools while leaving final investment decisions to clients.

Timothy Zabelin is a CFP® with 35 years of experience in the financial industry. He currently serves as an advisor at Schwab Wealth Advisory, where he has worked since 2021. Prior to that, he was with TD Ameritrade for 12 years. Schwab Wealth Advisory, Inc. 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 broad range of asset classes. The firm operates as an internal advisory unit within Charles Schwab, delivering advice through standardized asset allocation models and research tools while leaving final trading decisions to clients.

Americo Garcia is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 licenses and one year of industry experience. He has worked at Schwab Wealth Advisory, Charles Schwab & Co., Inc., Chase, Publix, M&G Trimming, and Target in various roles since 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations based on Charles Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and typically does not charge clients directly for advisory services.

Stephen Watkins is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and bringing 23 years of industry experience. He has worked with Charles Schwab since 2014 and with Schwab Wealth Advisory since 2021. 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 research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not engage in discretionary portfolio management directly.

Carey Muloma is a financial advisor with Schwab Wealth Advisory in Indianapolis, IN, holding a Series 66 designation and 17 years of industry experience. He has worked at Charles Schwab since 2009, including a role at OptionsXpress, Inc. from 2016 to 2017. Muloma has been with Schwab Wealth Advisory since 2019. 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 asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its advisory approach from many enterprise wealth managers.

Alexander Barrios is a financial advisor with Schwab Wealth Advisory Inc., holding Series 63 and Series 66 credentials and 17 years of industry experience. His career includes roles at Charles Schwab since 2017 and prior experience at Transamerica Capital Inc. from 2013 to 2017. Schwab Wealth Advisory, Inc. offers 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 provides investment recommendations and annual account reviews but does not exercise discretionary trading authority.

Evgeniya Komarova is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds the Series 66 designation and previously worked at Bank of America and Merrill. 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 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 for advisory services.

Abigail King is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ. She holds a Series 66 designation and has one year of industry experience. Prior to her current role, she spent time in education and worked with Learn 2 Rip Surfing and Ocean Academy, as well as Stryve Foods. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to support its recommendations, conducting at least annual account reviews while leaving final trading decisions to clients.