Laura Herfy is a financial advisor with Charles Schwab in Birmingham, MI, holding Series 63 and Series 66 licenses with 10 years of industry experience. She previously worked at Empower Financial Services and Thrivent Financial, including Thrivent Investment Management. Outside of her advisory role, she serves as CEO of People of Impact, a nonprofit organization focused on leadership and support for veterans. 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 combines non-discretionary advisory models with access to discretionary separately managed accounts and offers a centralized approach to custody, brokerage, and investment guidance.

Jack Kloka is a financial advisor with Charles Schwab, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Securities America, Inc., Flexible Plan Investments, Ltd., General Nutrition Center, and Warren Screw Products. 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 using multi-asset model portfolios and centralized custody and supervisory arrangements.

Armin Niksimaee is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Financial Representative at Fidelity Investments from 2023 to 2024 and as an Underwriter at United Wholesale Mortgage from 2021 to 2022. His work focuses on partnering with clients and their families to develop comprehensive financial plans aimed at achieving their financial objectives and providing peace of mind. Armin's approach involves co-creating sustainable financial strategies tailored to each client's unique goals. Outside of his professional responsibilities, he has interests in cars, comedy, food, golf, and music.

Scott Richey is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Co., Inc. since 2022, following a 14-year tenure at TD Ameritrade Inc. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through advisory, brokerage, custody, and financial planning services. The firm’s Schwab Wealth Advisory program combines primarily non-discretionary investment guidance with access to affiliated discretionary separately managed accounts and a multi-asset model portfolio approach.

Randall Russo is a financial advisor at Charles Schwab with 15 years of industry experience. He holds a Series 66 designation and previously worked for TD Ameritrade Investment Management, LLC and TD Ameritrade, Inc. Randall is based in Birmingham, MI. 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 management solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Rachel Irwin is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and has worked at several firms, including Northwestern Mutual and Raj Shah. Outside of her advisory role, she assists with clerical duties at the family-owned Almo Manifold and Tool Company. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts, combining non-discretionary and discretionary investment approaches with integrated brokerage, custody, and financial planning services.

Eric Munro is a financial advisor at Charles Schwab with Series 66 credentials and four years of industry experience. He previously worked at Equitable Advisors and Insight Global before joining Charles Schwab in 2025. 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 related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by its extensive research and operational infrastructure.

Michael Watson is a financial advisor at Charles Schwab with 16 years of industry experience. He holds the Series 63 and Series 66 licenses and previously worked at TD Ameritrade for six years before joining Charles Schwab in 2022. 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 advisory relationships and discretionary separately managed accounts, combining strategic asset allocation with in-depth due diligence on alternative investments.