Tammy Santi is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. She holds Series 63, 65, and 66 licenses and has worked at several firms including Charles Schwab, Lyft, UBER, Edward Jones, J.P. Morgan Asset Management, and Banc One Securities Corporation. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients in the Schwab Wealth Advisory program, utilizing asset allocation models and internal research tools with recommendations tailored to client goals and risk tolerance.

Lorin Burke is a CFP® with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. He previously worked at Merrill for ten years and has been involved with Boosther Inc. as an advisory board member focused on community engagement efforts. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Schwab’s asset-allocation models and internal research tools, offering guidance on various investment options while requiring client authorization for trades.

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, and has prior experience with USAA and TIAA-CREF. He volunteers with Homes For Our Troops, providing financial guidance to veterans on a pro-bono basis. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Chad Sager is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to offer tailored recommendations, with trades executed only upon client authorization.

Derek Young is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Fidelity, TD Ameritrade, and Charles Schwab in various capacities since 2005. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm’s advice is based on Schwab’s internal research and asset-allocation models, offering guidance on diverse investment options with trades executed only upon client authorization.

David Jamison is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has been with Charles Schwab and its affiliated entities since 2011. In addition to his advisory role, he provides financial counseling to members of Paradox Church in Fort Worth, Texas. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, with recommendations tailored annually to each client’s goals and risk tolerance.

John Rentsch is a financial advisor with Schwab Wealth Advisory Inc. in Indianapolis, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with Charles Schwab and its affiliated firms continuously since 2008. 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 & Co.-referred clients. The firm uses proprietary asset-allocation models and internal research tools to tailor recommendations based on clients’ goals and risk tolerance, while trades require client authorization.

Cesar Valenzuela is a financial advisor with Schwab Wealth Advisory in Austin, TX, holding the CFP® designation along with Series 63 and 65 licenses. He has 13 years of industry experience, having previously worked at Kestra Advisory Services, Cetera Advisor Networks, United Capital Financial Advisers, and Girard Securities. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select referrals, using Charles Schwab’s proprietary asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Sabrina Suen is a financial advisor with Schwab Wealth Advisory and holds the CFP® designation along with Series 63, 65, and 66 licenses. She has eight years of industry experience, having previously worked at UBS Financial Services and Wells Fargo Advisors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm utilizes standard asset-allocation models and internal research tools to guide asset allocation and investment selection, with trade execution requiring client authorization.

Daniel Walker is a CFP® professional with 27 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc., where he has worked since 2026, following prior roles at Charles Schwab & Co., Charles Schwab Bank, and USAA-affiliated firms. He is based in San Antonio, TX. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes standard asset-allocation models and internal research tools to tailor recommendations based on clients’ goals and risk tolerance, executing trades only with client authorization.

Laura Herl is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 63 and Series 65 licenses. She has 25 years of industry experience, including 15 years at TIAA-CREF and four years with Charles Schwab. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice follows Charles Schwab & Co.’s asset-allocation models and research tools, with recommendations tailored to clients’ goals and risk tolerance.

Samantha Jarvey is a CFP® certified financial advisor with 15 years of industry experience, currently with Schwab Wealth Advisory in Phoenix, AZ. She has previously worked at Cambridge Investment Research and Wells Fargo in various roles spanning over a decade. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab & Co.’s asset-allocation models and research tools. The firm focuses on client-tailored recommendations and trades executed only with client authorization.

Scott Free is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and 12 years of industry experience. His career includes roles at Charles Schwab, Freedom Resources, and USAA Financial Planning Services. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research, with customized recommendations and client-authorized trades.

Christopher Tracy is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 63 and Series 65 licenses and has 12 years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory work, he is an author of fictional books. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referrals. The firm’s approach uses Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Xin Hao is a CFP® professional with 12 years of industry experience, currently serving with Schwab Wealth Advisory Inc. in Westlake, TX. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co., Inc., Xin worked at Wells Fargo Clearing for eight years. 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-referred clients. The firm’s approach is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Tiffany Leroy is a CFP®-certified financial advisor with 18 years of industry experience. She is currently with Schwab Wealth Advisory Inc., where she has worked since 2023, and has held various roles within Charles Schwab and USAA from 2015 through 2023. Her prior experience includes six years at Ameriprise. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s advisory approach is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering customized recommendations with client authorization required for trades.

Brent Rattin is a CFP® professional with 25 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory Inc., where he has worked since 2018, following prior roles at JP Morgan Securities and Zeiders Enterprises. Rattin is based in Indianapolis, IN, and holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and select referrals. The firm uses Charles Schwab & Co.’s asset allocation models and internal research tools to tailor recommendations, with a focus on client authorization for trades and annual portfolio reviews.

Heidi Jones is a Series 66 licensed financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, with one year of industry experience. Prior to her current role, she worked at Charles Schwab & Co., Inc. and had experience in the travel and food ingredients sectors. 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 & Co.-referred clients. The firm’s approach uses standardized asset allocation models and internal research tools to offer tailored investment recommendations without exercising discretionary trading authority.

Gilbert Ryckman is a CFA® charterholder and holds a Series 66 license, with 10 years of experience in the financial services industry. He has been associated with Charles Schwab since 2013 and currently works with Schwab Wealth Advisory Inc. in Lone Tree, Colorado. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and selected referrals. The firm’s guidance is based on Schwab’s asset-allocation models and research tools, offering personalized recommendations without exercising discretionary trading authority.

Rohan Pritmani is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. His prior roles include positions at Charles Schwab & Co. and work in education and tutoring. 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’s guidance uses standard asset-allocation models and internal research tools, with recommendations tailored to individual goals and risk tolerance.