Juan Gonzalez Villalobos is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and three years of industry experience. He has worked with Charles Schwab since 2023 and previously held positions in the credit union sector. Outside of advisory work, he occasionally drives for Uber and Lyft in his free time. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and certain referred clients. The firm utilizes Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations with trades executed only upon client authorization.

Michael Sherwood is a financial advisor with Schwab Wealth Advisory in Indianapolis, IN, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and is also associated with Charles Schwab, where he has worked since 1998. He previously operated Sherwood Property Group LLC for nearly two decades. 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 wealth management consultations based on proprietary asset-allocation models and internal research tools.

April Beltran is a CFP® professional with 21 years of industry experience. She is currently with Schwab Wealth Advisory Inc., where she has worked since 2018. Her previous experience includes roles at Wells Fargo Clearing, J.P. Morgan Securities, Chase Investment Services Corp., and Banc One Securities Corporation. 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 wealth management consultations based on asset allocation models and internal research tools. The firm is notable for its scale, structured compliance measures, and its affiliation with Charles Schwab Futures and Forex LLC.

Michael Andrews is a Certified Financial Planner™ (CFP®) with 25 years of industry experience. He is currently with Schwab Wealth Advisory Inc., where he has worked since 2022, and previously held positions at Charles Schwab, USAA Financial Planning Services, and TIAA-CREF. 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., using standardized asset-allocation models and internal research tools to guide investment selection and wealth management.

Leslie Gutman is a financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. Gutman has been with Charles Schwab and its affiliated entities since 2000. Outside of advisory work, Gutman volunteers with the IRS VITA program, providing free tax assistance to low-income individuals. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and select referrals, offering non-discretionary fiduciary investment advice and financial planning. The firm’s investment guidance is based on Charles Schwab’s asset-allocation models and internal research tools, with recommendations tailored to client goals and risk tolerance.

Daniel Braun is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab since 2021, following roles at Dubuque Bank & Trust/HTLF and Wells Fargo Clearing. Schwab Wealth Advisory serves clients 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 uses Schwab’s asset-allocation models and research tools, with recommendations tailored to client goals and risk tolerance, while trades require client authorization.

Talmage De Meester is a CFP®-certified financial advisor with 12 years of industry experience, currently affiliated with Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Cetera Investment Advisors, Cornerstone Financial Advisors, Glen D Smith & Associates, Raymond James Financial Services, and USAA financial planning services. 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 wealth management consultations. The firm’s advice is based on Schwab’s asset-allocation models and research tools, focusing on client goals and risk tolerance, with trades executed only upon client authorization.

Judd Wagner is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 credentials and 30 years of industry experience. He has been with Charles Schwab and its affiliated entities since 1997. Outside of advising, he manages rental properties inherited recently. 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 uses standard asset-allocation models and internal research tools to tailor recommendations without exercising discretionary trading authority.

Reginald Parks is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds a Series 66 designation and previously worked at LevelUp Logistics and Home Depot. 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. Its investment recommendations are based on Charles Schwab & Co.’s asset-allocation models and research tools, and trades are executed only with client authorization.

Scott Miracle is a CFP® professional with seven years of industry experience. He is currently with Schwab Wealth Advisory, Inc. and has prior experience at Charles Schwab & Co., Inc., TD Ameritrade, Inc., and United Parcel Service. 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-referred clients. The firm’s approach uses proprietary asset-allocation models and research tools, offering guidance tailored to clients’ goals and risk tolerance without exercising discretionary trading authority.

Steven Kemp is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 63 and Series 66 licenses and eight years of industry experience. He has been with Schwab Wealth Advisory since 2023 and has worked at Charles Schwab since 2018. Prior to his financial services career, he worked in customer service roles at Enterprise Rent-A-Car, Blackjack Pizza, and Valvoline Instant Oil Change. Schwab Wealth Advisory 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’s advice is guided by proprietary asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Richard Kane Jr. is a financial advisor with Schwab Wealth Advisory in Indianapolis, IN, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked with Charles Schwab since 1999. 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 Charles Schwab & Co.’s standard asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Jacob Schreer is a CFP® professional at Schwab Wealth Advisory with 12 years of industry experience. He has worked at Charles Schwab and Schwab Wealth Advisory since 2022, and previously spent six years at UBS Financial Services, along with a year at Calton & Associates. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co. referrals. The firm follows standard asset-allocation models supported by internal research, offering tailored recommendations without discretionary trading authority.

Joshua Woodring is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He has previously worked at TD Ameritrade and Charles Schwab & Co. In addition to his advisory role, Woodring is a passive investor in a brewing company and engages in land development activities. 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 wealth management consultations based on standardized asset-allocation models and tailored to individual client goals.

Christian Begody is a CFP® professional with two years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc. and has a background that includes roles in mortgage lending and various other industries. Outside of his advisory work, he is involved in the restaurant industry as a bartender. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance focuses on asset allocation and investment selection, utilizing Charles Schwab’s proprietary research and asset-allocation models, with client-authorized trade execution and customized recommendations based on individual goals and risk tolerance.

Alyssa Estro is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and two years of industry experience. Prior to her current role, she worked at Charles Schwab Bank and Charles Schwab, with additional experience outside finance including a position at Dirty Taco and Tequila. 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 investment guidance is based on Schwab’s asset-allocation models and internal research tools, with trades executed only upon client authorization.

Juan Delgadillo is a Series 66 licensed financial advisor with Schwab Wealth Advisory in Orlando, FL, bringing 13 years of industry experience. He has been with Charles Schwab since 2014 and joined Schwab Wealth Advisory in 2024. Schwab Wealth Advisory, Inc. provides non-discretionary 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’s guidance focuses on asset allocation and investment selection, using Schwab’s proprietary models and research, with recommendations tailored to client goals and risk tolerance.

Andrew Evans is a financial advisor with Schwab Wealth Advisory holding a Series 65 credential. He has over 20 years of industry experience, including prior roles at The Vanguard Group and Bonnett Fairbourn Friedman & Balint. 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 uses Schwab’s asset-allocation models and research tools, with at-least-annual reviews tailored to client goals and risk tolerance.

Alex Kruszewski is a financial advisor at Schwab Wealth Advisory, Inc. based in Chicago, IL, holding the Series 63 and Series 66 designations with four years of industry experience. His prior roles include positions at Charles Schwab and TD Ameritrade, as well as experience outside finance at Elite Home Restoration and Northern Illinois University. 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, utilizing proprietary Schwab asset-allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance.

Danielle Hayes is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ. She holds Series 63 and Series 66 registrations and has five years of industry experience. Prior to joining Schwab Wealth Advisory, she worked at Charles Schwab and operated her own business, Danielle Hayes West USA. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.