Courtney Davis is a CFP®-certified financial advisor with 26 years of industry experience. She is currently with Schwab Wealth Advisory and has been associated with Charles Schwab and its related entities since 2012. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools to guide investment recommendations while allowing clients to make final trading decisions.

Samantha Jarvey is a CFP®-certified financial advisor with 15 years of industry experience. She is currently with Schwab Wealth Advisory, where she has worked since 2022. Her previous experience includes roles at Cambridge Investment Research Advisors and Wells Fargo Clearing. 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 using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not serve as a discretionary portfolio manager for most clients.

Scott Free is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 65 licenses. He has 12 years of industry experience, with prior roles at Freedom Resources and USAA financial entities. 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 and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

Christopher Tracy is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado, holding Series 63 and Series 65 licenses with 12 years of industry experience. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co. in 2026, he worked at Wells Fargo Clearing and Wells Fargo Bank, NA, as well as Key Bank Mortgage and Key Investment Services. Outside of his advisory role, Tracy is an author of fictional books. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across a range of asset classes. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with final trading decisions made by clients.

Xin Hao is a CFP® professional with 11 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory Inc., having joined in 2024 after eight years at Wells Fargo Clearing and one year at Wells Fargo Advisors, LLC. Xin Hao 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 (SWA) program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, utilizing standard asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Tiffany Leroy is a CFP® with 18 years of industry experience, currently with Schwab Wealth Advisory Inc. She has worked in various roles within Charles Schwab and USAA-affiliated firms since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering investment recommendations and annual financial reviews using Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not charge clients directly for its services.

Brent Rattin is a CFP® professional with 24 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory Inc., where he has worked since 2021. His prior experience includes roles at JP Morgan Securities and Charles Schwab, spanning over two decades. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering services such as annual financial reviews, retirement planning, and investment recommendations utilizing Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and does not exercise discretionary trading authority, distinguishing its approach from many other enterprise wealth managers.

Heidi Jones is a Series 66-licensed financial advisor with Schwab Wealth Advisory, based in Phoenix, AZ, and has one year of industry experience. Prior to joining Schwab Wealth Advisory in 2026, she worked at Charles Schwab & Co., Inc. starting in 2024 and has experience in the travel and food industries. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering investment recommendations across various asset classes and conducting annual financial reviews while allowing clients to make final trading decisions.

Gilbert Ryckman is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds the CFA® designation and Series 66 license. His career includes over a decade with Charles Schwab and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. delivers non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes standard asset allocation models and Schwab research tools, providing annual account reviews without discretionary trading authority, and operates as an internal advisory unit within the Schwab ecosystem.

Serina Shyu is a CFP® with 13 years of industry experience, currently serving at Schwab Wealth Advisory. She has worked at multiple firms including Charles Schwab, Delta Community Credit Union, LPL Financial, Jon Baker Financial Group, and Woodbury Financial Services. Outside of her advisory role, she is involved in managing real estate as a landlord. 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.

Daniel Cummins is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at Bank of America Private Bank and TIAA. Outside of financial advising, he manages a residential rental property as a sole proprietor. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients through the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools. The firm conducts annual account reviews and delivers investment recommendations without exercising discretionary trading authority.

Bradford Waltz is a financial advisor at Schwab Wealth Advisory with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 1997. He has worked at Schwab Wealth Advisory Inc. since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, delivering investment recommendations and financial planning through a model-based approach while leaving final trading decisions to clients. The firm operates as an internal advisory unit of Charles Schwab & Co., Inc., and focuses on annual reviews without discretionary trading authority.

Vincent Zaccaria is a CFP® with nine years of industry experience, currently advising at Schwab Wealth Advisory Inc. He has held roles at Charles Schwab Bank, AMERIPRISE Financial Services, and other firms since 2015. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews 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 act as a discretionary portfolio manager.

Tawnya Sokolik is a CFP® with 13 years of industry experience, currently advising at Schwab Wealth Advisory. Her background includes roles at Charles Schwab and USAA, where she worked in investment management and financial planning. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit of Charles Schwab & Co., delivering advice without discretionary trading authority.

Logan Pethel is a financial advisor with Schwab Wealth Advisory in Atlanta, GA, holding a Series 66 designation and six years of industry experience. Prior to joining Schwab in 2025, he worked at JPMorgan Chase Bank and J.P. Morgan Securities from 2022 to 2025, as well as at E*TRADE, Morgan Stanley, Fidelity, and Edward Jones in various roles. Outside of finance, he operates a small online guitar string retail business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services including annual financial reviews, retirement and planning discussions, and investment recommendations. The firm utilizes Schwab’s asset allocation models and research tools, with advisors making recommendations while clients retain final trading decisions.

Darija Hanson is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has been with Charles Schwab in various capacities since 2010, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Based in Phoenix, AZ, Hanson has worked within the Schwab ecosystem for the majority of her career. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in 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 make final trading decisions.

Sean Flynn is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 12 years of industry experience. He has previously worked at Charles Schwab, Raymond James Financial Services Advisors, and Boston Harbor Wealth Advisors. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual 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.

Benjamin Remer is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been with Charles Schwab and its affiliates since 2008, including his current role at Schwab Wealth Advisory since 2019. 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 using standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with a distinctive fee and management structure compared to many enterprise wealth managers.

Nicholas Gardner is a CFP®-designated financial advisor with seven years of industry experience. He is currently with Schwab Wealth Advisory, where he has worked since 2025, following prior roles at Fidelity Investments and Fidelity Brokerage Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm does not exercise discretionary trading authority but conducts at least annual account reviews, operating as an internal advisory unit within the Charles Schwab ecosystem.

Nathan Male is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has worked with Charles Schwab since 2008 and has been with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm delivers advice through Schwab's asset allocation models and research tools, with associates recommending allocations while clients retain final trading decisions.