Patrick Sands is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab-related entities since 1999, including Charles Schwab Bank from 2005 to 2022. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab’s asset-allocation models and internal research tools, with a focus on personalized recommendations and client authorization for trades.

Michael Toth is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked at Charles Schwab and its affiliated entities since 2019, and prior to that held various advisory roles at USAA from 2011 to 2019. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s approach utilizes Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Hasson Murphy is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. He has been with Charles Schwab since 2004 and with Schwab Wealth Advisory since 2017. Schwab Wealth Advisory serves clients enrolled in the SWA program and certain CS&Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research tools, with tailored recommendations and at-least-annual reviews.

David Skelding is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Charles Schwab and its affiliated entities since 2006. Based in Indianapolis, IN, he has worked at Schwab Wealth Advisory Inc. since 2021. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients. The firm uses Charles Schwab’s asset-allocation models and internal research tools to deliver tailored investment recommendations, focusing on trades executed only with client authorization.

Megan Gump is a financial advisor at Schwab Wealth Advisory with five years of industry experience and holds a Series 66 designation. Prior to her current role, she has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. She also has experience in the coffee and hospitality industry, including a role at Dark Side Coffee House. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach is based on standard asset-allocation models and internal research tools, offering tailored recommendations while maintaining client authorization for trades.

Chloe White is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and two years of industry experience. She has worked at Charles Schwab & Co., Inc. since 2023 and previously taught at several schools in Indianapolis. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using standard asset-allocation models and internal research tools to tailor recommendations to clients’ goals and risk tolerance.

Rylan Wistrom is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with Schwab Wealth Advisory since 2017 and has been affiliated with Charles Schwab since 2015. 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 approach uses Schwab’s asset-allocation models and internal research tools to offer tailored recommendations, with trades executed only upon client authorization.

Earnest Hubbard IV is a CFP® and CFA® with 26 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and has held various roles within Charles Schwab entities and other investment firms since 2003. Schwab Wealth Advisory, Inc. provides fiduciary investment advice and financial planning primarily 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 using proprietary research tools and standard asset-allocation models, offering non-discretionary advice with trades executed only upon client authorization.

Anne Schwab is a CFP® with 22 years of experience in the financial industry. She is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc., having previously worked at firms including Asset Preservation Wealth & Tax and Berger Financial Group. Outside of her advisory work, she has authored a personal finance book, *Money Matters Made Simple*, and writes fictional novels and screenplays. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, providing non‑discretionary fiduciary investment advice and financial planning. The firm’s approach is based on internal asset-allocation models and research tools, with client approvals required for all trades.

Timothy Williams is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. Prior to joining Schwab Wealth Advisory and Charles Schwab in 2025, he worked for Morgan Stanley Smith Barney LLC from 2014 to 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on proprietary asset-allocation models and internal research, with recommendations tailored to clients’ goals and risk tolerance, while trades require client authorization.

William Movroydis is a financial advisor with Schwab Wealth Advisory in Austin, TX, holding Series 63 and Series 66 licenses and having 15 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2010, including ten years at Charles Schwab Bank SSB. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on standardized asset-allocation models and internal research.

Ann Stojanovic is a financial advisor at Schwab Wealth Advisory with 7 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2015, including her current role at Schwab Wealth Advisory since 2020. 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 Charles Schwab & Co.-referred clients. The firm’s guidance is based on Charles Schwab’s proprietary asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Grace Gaabucayan is a CFP® professional with three years of experience in the financial services industry. She is currently with Schwab Wealth Advisory in Phoenix, AZ, having previously worked at Northern Trust, First Western Financial, and Versant Capital Management. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on asset-allocation models and internal research tools, with trades executed only upon client authorization.

Andrew Stevens is a CFP® professional with 20 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory and has previously worked at TD Ameritrade, Charles Schwab, and SunTrust Advisory Services. His career has focused on wealth management and financial planning. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients. The firm’s guidance is based on proprietary asset allocation models and internal research tools, offering tailored recommendations reviewed at least annually.

Michael Ruplinger is a CFP® credentialed financial advisor with 20 years of industry experience. He is currently with Schwab Wealth Advisory, Inc., having previously worked at Charles Schwab and Co., TD Ameritrade Investment Management, and Scottrade. 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. The firm utilizes Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

William Guinn is a Certified Financial Planner (CFP®) with 18 years of industry experience. He has worked at Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. since 2015, following roles at Mass Mutual Investors Services, MSI Financial Services, and Edward Jones. 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 advice is based on proprietary asset-allocation models and research tools, offering guidance on a range of investment options while requiring client authorization for trades.

Nikolaos Stathopoulos is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory, Inc. since 2022. His prior roles include five years at The Vanguard Group and earlier experience as a self-employed advisor and with Randstad. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach incorporates standard asset-allocation models and internal research tools, with personalized recommendations based on individual goals and risk tolerance.

Javier Lopez is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Charles Schwab Bank, Charles Schwab & Co., TD Ameritrade, and UBS Financial Services. 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 follows Charles Schwab & Co.’s asset-allocation models and internal research tools to deliver customized recommendations without exercising discretionary trading authority.

Craig Collisson is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 designations and has been with Schwab Wealth Advisory since 2016, with prior experience at Charles Schwab dating back to 2014. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm’s approach centers on Schwab’s standard asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Christine Gehring is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in San Francisco. Her prior experience includes roles at Wells Fargo Clearing Services, Wells Fargo Bank, Fidelity Investments, and RBC Capital Markets Corporation. 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 clients’ goals and risk tolerance.