Steven Bednar is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at MML Investors Services, Aflac, and MassMutual Life Insurance Company. He serves as a board member for Young Life and assists as a market manager at the Abingdon Farmers Market. Charles Schwab & Co., Inc. 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, combining non-discretionary advisory relationships with access to affiliated discretionary strategies and alternative investments.

David Mullins is a CFP® with 19 years of industry experience, currently serving at Charles Schwab & Co., Inc. He previously worked at LPL Financial and Commonwealth Financial Network. Mullins serves as a board member for the Virginia Council of Economic Education, assisting with financial literacy initiatives. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary advisory services supported by integrated custody, brokerage, and financial planning capabilities.