George Pennock is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His career at Charles Schwab and its affiliated entities spans from 2016 to the present. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, with advice delivered through standard asset allocation models and Schwab research tools.

Randall Sims is a CFA® charterholder with 24 years of industry experience, currently serving at Schwab Wealth Advisory in Lone Tree, Colorado. He has been with Schwab Wealth Advisory and Charles Schwab since 2015. Sims was previously owner of a construction business, Master Restorations Limited, which is no longer active. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering 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, distinguishing itself by not charging clients directly and by its specific service model.

Hunter Giboney is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Charles Schwab, Charles Schwab Bank, Ameriprise Financial Services, Zeiders Enterprises, and AllState Insurance Company. He holds Series 63 and Series 66 registrations. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standardized asset allocation models while leaving final trading decisions to clients.

Greer Henderson is a financial advisor at Schwab Wealth Advisory with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at JPMorgan Chase Bank, J.P. Morgan Securities, Morgan Stanley, and E*TRADE Securities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering 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 charge clients directly for its services.

Rylee Good is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. Good has one year of industry experience and previously worked in the food service industry before entering financial services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates internally within the Schwab ecosystem and does not charge clients directly for its services.

Jonathan Sears is a CFP®-certified financial advisor with 18 years of industry experience. He currently works at Schwab Wealth Advisory and has held roles within Charles Schwab and J.P. Morgan Securities. He is based in Chicago, IL. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations primarily using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab, serving retail clients without directly charging fees and generally does not act as a discretionary portfolio manager.

Lana St.John is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 35 years of industry experience. She has been with Charles Schwab since 1991 and with Schwab Wealth Advisory since 2016. 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 using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab, serving retail clients without discretionary trading authority.

Lydia Geisler is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds the Series 66 and Series 63 designations. Her work history includes roles at Charles Schwab Bank and Charles Schwab, spanning over a decade. Outside of her advisory role, she manages a rental property in Carrollton, Texas. 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 and planning discussions, and investment recommendations utilizing Schwab’s research tools and standard asset allocation models.

Kirby Massey is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Charles Schwab & Co., Addition Financial, and the University of Central Florida. Massey is based in Orlando, FL. 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. The firm delivers advice through standard asset allocation models and Schwab research tools, with final investment decisions made by clients.

Brayan Fernandez Montenegro is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds the Series 66 and Series 63 licenses and has been with Schwab Wealth Advisory since 2026, following work at Charles Schwab & Co., Inc. Since joining Schwab Wealth Advisory, Brayan has been involved in providing fiduciary investment advice within the Schwab Wealth Advisory program. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice through the Schwab Wealth Advisory (SWA) program, serving clients with annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, using standard asset allocation models and research tools, while leaving final trading decisions to clients and conducting at least annual account reviews.

John Huss is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 28 years of industry experience. He has worked with Charles Schwab since 1998 and has been with Schwab Wealth Advisory since 2012. Outside of his advisory role, he is a co-owner of Lyric Entertainment LLC, which operates a weekend movie and show venue in Faulkton, South Dakota. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Tammy Santi is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Prior to joining Schwab Wealth Advisory in 2021, she was affiliated with Charles Schwab and has work experience in the technology and healthcare sectors, including roles at Lyft, Uber, and Medix IT. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations while leaving final trading decisions to clients, operating as an internal advisory unit within the Charles Schwab ecosystem.

Lorin Burke is a CFP® with nine years of industry experience, currently serving at Schwab Wealth Advisory, Inc. since 2025. Previously, he spent ten years at Merrill and has been involved with Boosther Inc. since 2013 as an advisory board member for a nonprofit focused on community engagement. 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 supported by Schwab’s research tools, while leaving final trading decisions to clients.

Adam Sanders is a CFP® and ChFC® with 26 years of industry experience. He is currently with Schwab Wealth Advisory Inc., where he has worked since 2021, following roles at Charles Schwab and USAA spanning over a decade. Sanders volunteers to provide financial guidance to veterans through Homes For Our Troops. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s proprietary research tools and asset allocation models. The firm conducts annual financial reviews and provides comprehensive wealth management education, with final investment decisions made by clients.

Chad Sager is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, with clients making final trading decisions, and conducts at least annual account reviews without exercising discretionary trading authority.

Derek Young is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has worked within the Schwab organization and TD Ameritrade in various roles since 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm serves individual clients with wealth management education and investment recommendations, while final trading decisions remain with clients.

John Rentsch is a financial advisor with Schwab Wealth Advisory holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked at Charles Schwab since 2008 and at Schwab Wealth Advisory since 2015. 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 using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and is compensated by Charles Schwab & Co. under a cost-and-expense arrangement rather than charging clients directly.

Cesar Valenzuela is a CFP® professional with 13 years of experience in the financial advisory industry. He is currently with Schwab Wealth Advisory, Inc. and has previously worked at Kestra Advisory Services LLC, Cetera Advisor Networks LLC, and United Capital Financial Advisers, LLC. 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 using proprietary Schwab research tools and asset allocation models. The firm operates within the Charles Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many other enterprise wealth managers.

Sabrina Suen is a CFP® professional with eight years of experience in the financial advisory industry. She is currently with Schwab Wealth Advisory, Inc. and previously worked at UBS Financial Services and Wells Fargo Advisors. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations based on standard asset allocation models and Schwab research tools while leaving final trading decisions to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and offers wealth management education alongside annual financial reviews and planning discussions.

Laura Herl is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked for TIAA-CREF from 2005 to 2020. Herl has been with Schwab Wealth Advisory since 2022, following a brief period of self-employment. Schwab Wealth Advisory 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 using Charles Schwab’s asset allocation models and research tools, while clients retain final trading decisions.