Rafael Reynoso is a financial advisor at Charles Schwab with 30 years of industry experience. He holds the CFA® designation as well as Series 63 and Series 65 licenses. Prior to joining Charles Schwab in 2024, he worked at TD Ameritrade for 15 years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and comprehensive operational infrastructure.

Steven Becker is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked at Charles Schwab since 2018 and spent 18 years at Fidelity Investments prior to that. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management options, supported by multi-asset model portfolios and centralized operational infrastructure.

Abigail Nepomuceno is a financial advisor at Charles Schwab with 17 years of industry experience. She holds a Series 66 designation and has worked at TD Ameritrade for 18 years before joining Charles Schwab and Charles Schwab Bank in 2022. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a centralized operational structure.

Mary Brezik is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. She has worked at Charles Schwab Banks SSB and Charles Schwab & Co., Inc since 2022. Her background includes roles at various organizations such as Shamrock Trading Corporation and University of Kansas. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its comprehensive Schwab Wealth Advisory program, offering both non-discretionary investment advice and access to discretionary separately managed accounts via affiliated managers. The firm is notable for its large scale and integrated structure, combining advisory, brokerage, custody, and cash-sweep services.

Laticia Bourne is a financial advisor at Charles Schwab with six years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Equitable Advisors, J.P. Morgan Securities, and JPMorgan Chase Bank. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining integrated brokerage, custody, and advisory services with access to multi-asset model portfolios and alternative investments.

Stephen Paino IV is a financial advisor with Charles Schwab, holding a Series 66 designation and three years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, and The Prudential Insurance Company of America. Before entering the financial services industry, he worked in the restaurant sector. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions, combining multi-asset model portfolios, alternative investment options, and a centralized operational structure.

Frank Devito is a financial advisor with Charles Schwab in New York City, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He previously worked at UBS Financial Services Inc. from 2016 to 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, providing clients with multi-asset model portfolios and access to alternative investments within a large-scale, integrated service structure.

Elizabeth Goldsworthy is a financial advisor with Charles Schwab who holds a Series 66 license and has 15 years of industry experience. She previously worked at TD Ameritrade for 13 years before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a centralized operational structure.

Anthony Beharry is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 12 years of industry experience. His prior roles include positions at TD Ameritrade and Fidelity Investments. Outside of finance, he is involved in acting at entertainment venues and theaters. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by integrated custody, brokerage, and alternative investment services.

Jonathan Valdez is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley, E*TRADE, Santander Securities, and Wells Fargo. Outside of his advisory role, he is involved in real estate through property ownership and renovation. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and a comprehensive alternative investments platform.

Joshua Rando is a CFP® professional with 12 years of experience, currently affiliated with Charles Schwab in Brooklyn, NY. His prior experience includes roles at Morgan Stanley, E*TRADE Capital Management, and Fidelity Investments. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management with multi-asset model portfolios, supported by centralized supervisory and custody operations.

Jason Babilonia is a financial advisor with Charles Schwab, holding a Series 66 designation and 20 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2019 and previously spent 11 years at TD Ameritrade Inc. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance via multi-asset model portfolios and integrates brokerage, custody, and advisory services within a centralized operational structure.

Gabriel Charney is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. His prior work includes roles at TD Ameritrade Inc. and Charles Schwab Bank, SSB. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment options with multi-asset model portfolios and centralized operational support.

Brian Criscione is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2022, following six years at UBS Financial Services. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions, combining multi-asset model portfolios with centralized supervisory and custodial operations.

Carlos Cevallos Malta is a financial advisor with Charles Schwab in New York City, holding Series 63 and Series 66 designations and four years of industry experience. His prior roles include positions at TD Ameritrade and various other organizations across different sectors. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios and has a large-scale, integrated operational structure.

Sabrina Abdelaaty is a financial advisor at Charles Schwab with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2022, with prior roles at TD Ameritrade, Tapfin/EY, Hightower Financial Principles, and Sax Wealth Advisors. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and a formal alternative-investment offering process.

Elizabeth Lee is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. She has held roles at Charles Schwab since 2021 and has previous work experience at UDR, Inc., the University of Denver, and other organizations. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from Schwab’s Center for Financial Research.

Sandra Pelio is a financial advisor at Charles Schwab with 13 years of industry experience. She holds a Series 66 designation and previously worked at Merrill Lynch from 2010 to 2023 before joining Charles Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and access to alternative investments through a centralized operational structure.

Sam Flora is a financial advisor at Charles Schwab in New York City with two years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Schwab, he worked at Fidelity Investments for two years. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a mix of non-discretionary and discretionary investment management using multi-asset model portfolios and alternative investment options.

Laura Boschetto is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and previously worked at Arthur J Gallagher and Co and Payton Jewelry. Outside of advising, she is involved in social media marketing related to fashion and beauty, including brand sponsorships. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and offers a centralized operational structure supporting a large client base.