Madhavi Holay is a CFP® certified financial advisor at Schwab Wealth Advisory with seven years of industry experience. She previously worked at Goldman Sachs & Co. LLC and has held roles at several other financial firms. Holay is based in Irvine, CA. 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 asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Robert Mainz is a CFP® professional with 12 years of experience in the financial services industry. He currently works at Schwab Wealth Advisory and Charles Schwab, having joined these firms in 2023. Prior to that, he was with Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services, LLC for a combined nine years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s recommendations are based on Charles Schwab & Co.’s asset allocation models and internal research tools, with a focus on customized investment guidance aligned to client goals and risk tolerances.

Ryan Mcdaniel is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 1999. He holds Series 63 and Series 66 designations. 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 advice follows Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Shawn Mooring is a financial advisor at Schwab Wealth Advisory with 6 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Charles Schwab, Robinhood Markets, and TD Ameritrade. Outside of his advisory role, he is listed as a member of a retail business related to his wife's candle sales and wedding planning services. 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 advice is based on standard asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Daniel Colluccio is a Series 66-credentialed financial advisor with 19 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and has previously worked at firms including Charles Schwab & Co., Wilmington Trust, M&T Securities, BlackRock Fund Advisors, and Merrill. 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, financial planning, and point-in-time wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Troy Klunk is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc., Schwab Wealth Advisory, Inc., and Edward Jones. 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-referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to deliver tailored recommendations while requiring client authorization for trades.

Madeleine Beckmann is a CFP® professional with 22 years of industry experience. She currently works at Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc., having held prior roles at firms including TD Ameritrade, Merrill, TIAA, Scottrade, Cambridge Investment Research Advisors, Edward Jones, and A.G. Edwards & Sons. 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 investment guidance leverages proprietary asset-allocation models and internal research tools, with recommendations tailored to clients' goals and risk tolerance.

Seth Washington is a financial advisor with Schwab Wealth Advisory in Boston, MA, holding Series 63 and Series 66 licenses and four years of industry experience. He has previously worked at Fidelity Investments and Greystar, among other firms. 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 advice is based on Schwab’s internal research and asset-allocation models, with trades executed only upon client authorization.

Dane Breslo is a CFP® professional with three years of industry experience, currently affiliated with Schwab Wealth Advisory, Inc. He previously worked at Prospera Financial Services and Charles Schwab. Outside of his advisory role, he sells personal and collectible items on eBay as a side activity. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and select referred clients. The firm’s guidance is based on Charles Schwab & Co.’s proprietary asset-allocation models and research tools, with a focus on tailored recommendations and client authorization for trades.

Jiexi Li is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Schwab Wealth Advisory in 2026, Li worked at Charles Schwab since 2022 and spent three years in full-time education. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s advice is based on Schwab’s proprietary asset-allocation models and internal research, with recommendations tailored annually to individual client goals and risk profiles.

Elise Gidaro is a CFP® professional with nine years of industry experience, currently serving as a financial advisor with Schwab Wealth Advisory. Her prior experience includes roles at The Vanguard Group and Metromile. Outside of finance, she operated a babysitting service, Busy Bees Babysitting, for seven years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program, using Charles Schwab’s asset-allocation models and research tools to offer tailored recommendations. The firm focuses on client authorization for trades and typically recommends managed accounts from third-party or affiliated money managers.

Christopher Borzych is a CFP® with 36 years of experience in financial advising. He is currently with Schwab Wealth Advisory, Inc. and has prior experience at USAA Financial Advisors, Inc. and Usaa Investment Management Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using asset allocation models and internal research tools to tailor recommendations.

Crystal Cruz Mata is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and currently based in Phoenix, AZ. She has approximately one year of industry experience, with prior roles at Charles Schwab & Co., Inc. and her own firm, Crystal Cruz Financial Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the SWA program and certain Charles Schwab-referred clients, utilizing proprietary asset-allocation models and research tools to tailor recommendations to client goals and risk tolerance.

Benjamin Tod is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2021. He has been affiliated with Charles Schwab & Co., Inc. since 2017 and has prior work experience at Modis and Arizona State University. 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 approach utilizes Charles Schwab’s asset allocation models and internal research tools, offering recommendations tailored to clients’ goals and risk tolerances without exercising discretionary trading authority.

Melissa Oconnell is a financial advisor with Schwab Wealth Advisory, Inc. She holds Series 63 and Series 66 licenses and has 14 years of industry experience. Her prior roles include positions at JP Morgan Chase Bank and Noyes Advisors LLC. Outside of her advisory work, she is involved as a brand ambassador for Forte Event Marketing. 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 guidance is based on proprietary asset-allocation models and internal research, emphasizing tailored recommendations aligned with clients’ goals and risk tolerance.

Tanner Dix is a CFP® with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has held prior roles at J.P. Morgan Securities LLC and The Vanguard Group, among others. Outside of his advisory work, he owns and operates a car rental business through Dix Turo LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm offers personalized, at-least-annual reviews and recommends investment selections with client authorization, serving primarily Schwab Wealth Advisory program participants and certain referred clients.

Charles Reyes is a CFP® with nine years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, where he has worked for six years, and previously held roles at Morgan Stanley and Bankers Life. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance incorporates asset allocation and investment selection based on internal research tools and standard models, with client authorization required for trades.

Felipe Florez is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials and eight years of industry experience. He has been with Charles Schwab since 2017 and joined Schwab Wealth Advisory in 2024. 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, financial planning, and point-in-time wealth management consultations based on Schwab’s asset-allocation models and internal research tools.

Lukas Baumgartner is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with Schwab Wealth Advisory since 2015, as well as Charles Schwab & Co., Inc. since 2011. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach is based on Charles Schwab & Co.’s asset-allocation models and research, offering tailored recommendations reviewed at least annually.

Alexa Jones is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. She has 10 years of industry experience, including positions at Charles Schwab and Charles Schwab Bank. Jones is based in Phoenix, AZ. 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 and select Charles Schwab & Co.-referred clients. The firm’s guidance utilizes Schwab’s asset-allocation models and internal research, offering tailored recommendations with client approval required for trades.