James Aguilar is a financial advisor with Charles Schwab and holds a Series 66 designation. He has 15 years of industry experience, including prior roles at USAA Financial Planning Services and United Services Automobile Association. Outside of finance, he provides respite services to individuals with special needs through his involvement with Life Time Living. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and structured investment guidance.

Alex Lipnicky is a financial advisor at Charles Schwab in Austin, TX, holding Series 63 and Series 65 licenses with four years of industry experience. Prior to joining Schwab, he worked at PIMCO Investments LLC for three years and has experience across both investment management firms and other sectors. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a blend of non-discretionary and discretionary investment management, financial planning, and custody services supported by an integrated operational framework.

Ryan Forbes is a financial advisor with Charles Schwab in Austin, TX, holding Series 63 and Series 66 licenses and four years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and Dun & Bradstreet. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios, strategic asset allocation, and alternative investment options.

Brent Thomas is a financial advisor with Charles Schwab in Austin, TX, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked at Charles Schwab since 2007 and Charles Schwab Bank since 2020, with prior roles at Banc of America Investment Services and U.S. Bancorp Advisors. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering non-discretionary and discretionary investment services supported by multi-asset model portfolios and centralized operational support.

Chandler Friesenhahn is a CFP® with six years of industry experience currently with Charles Schwab in Austin, TX. He has been associated with Charles Schwab & Co., Inc. since 2020 and Charles Schwab Bank, SSB since 2021. Prior to joining Schwab, he worked at The Fit Company and The Retail Connection, and has experience at Lifetime Fitness. 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 solutions supported by multi-asset model portfolios and a centralized operational structure.

Carlos Serna is a financial advisor at Charles Schwab with 16 years of industry experience. He has been with Charles Schwab since 2015 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in reviewing plans and purchasing supplies for residential and commercial construction projects. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Than Nguyen is a financial advisor with Charles Schwab in Austin, TX, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Edward Jones and Round Rock ISD, as well as service in the United States Marine Corps. 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 offers both non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, combining centralized custody and operational services with multi-asset model portfolios and alternative investment options.