Kevin Quinlevan is a financial advisor at Charles Schwab with 13 years of industry experience. He holds the CFP® designation along with Series 66 and Series 63 licenses. His prior experience includes nine years at TD Ameritrade and several years with Charles Schwab and Charles Schwab Bank. Outside of his advisory work, he owns a rental property in Omaha, Nebraska. 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 and employs a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Horacio Lopez Jr. is a CFP® and Series 66 credentialed financial advisor with 10 years of industry experience. He is currently with Charles Schwab, having previously worked at TD Ameritrade. 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, utilizing multi-asset model portfolios and a formal alternative-investment onboarding process.

Michael Posner is a financial advisor with Charles Schwab, holding a Series 66 designation and 23 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2022 and previously spent eight years at TD Ameritrade, Inc. His career has focused on wealth management and advisory services. 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 a mix of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and centralized operations.

Pablo Lozano is a financial advisor at Charles Schwab with seven years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2019 and Charles Schwab Bank, SSB since 2020. His prior experience includes roles at Snap-On Tools and Uber. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment due diligence process.

Matthew Johnson is a financial advisor with Charles Schwab in Encino, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Gartner Digital Markets and Macy's. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and order-routing.

Donna Niemann is a financial advisor with Charles Schwab in Encino, CA, holding a Series 63 designation and 29 years of industry experience. She has been with Charles Schwab since 1997 and has worked at Charles Schwab Bank since 2005. 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 supervisory, custody, and order-routing arrangements.

Jesus Andrade is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Merrill, and Bank of America. Andrade is based in Encino, CA. 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 related 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 research and a formal alternative investment program.

Aline Padberg Rosen is a financial advisor at Charles Schwab with five years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at Fidelity Brokerage Services, J.P. Morgan Securities, and JPMorgan Chase Bank. Outside of finance, she was involved with Dazzling Donuts. 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 operates a large-scale, integrated wealth management platform combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investments.

Eric Kozman is a financial advisor at Charles Schwab with Series 65 and Series 63 credentials and four years of industry experience. His prior firms include Stifel Financial, LPL Financial, and Northwest Bank. Charles Schwab serves a primarily high- and ultra-high-net-worth client base through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investment options.

Avery Burton is a financial advisor with Charles Schwab, holding Series 63, Series 65, and Series 66 credentials and five years of industry experience. Prior to joining Schwab, Avery worked at MSCI Inc. and Merrill. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts. Schwab’s integrated structure supports a large client base with centralized custody and operational resources.

Steven Bristol is a CFP® professional with 12 years of industry experience, currently affiliated with Charles Schwab. His prior experience includes a decade at TD Ameritrade before joining Charles Schwab and Co., Inc. He also has involvement in a rental property business outside of his advisory role. Charles Schwab 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 management, utilizing multi-asset model portfolios and a centralized operational structure.

Oscar Murillo Cabrera is a CFP® professional currently with Charles Schwab, holding Series 66 and Series 63 licenses, with three years of industry experience. His prior roles include positions at Fidelity Investments and Paul Cashman State Farm. There are no additional outside activities noted. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory 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 operational structures.

Sean Hetherington is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials. He has recently transitioned into the financial industry with experience beginning in 2025. Prior to his current role, he was involved in media and creative ventures, including founding Sean Hetherington Creative, Inc. and working with MGM - Evolution Media and Glitter & Sparkles Media. 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 mix of non-discretionary advisory relationships and discretionary separately managed accounts, supported by multi-asset model portfolios, alternative investment due diligence, and a highly integrated client service model.

David Miller is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at firms including Fidelity Investments, Scholtz & Company, Imperial Capital, and Loop Capital Markets. 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 advisory options, utilizing multi-asset model portfolios and centralized operational infrastructure.

Ana Teper is a financial advisor at Charles Schwab with 13 years of industry experience. She holds the CFP®, CFA®, and Series 66 designations and has worked at several firms including Fidelity Investments, Valic Financial Advisors, and Union Bank. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, leveraging multi-asset model portfolios and research from the Schwab Center for Financial Research.

George Muench is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, Concord, Very Rare LLC, Live Nation Entertainment, Montone Inc., and BMG. His background includes roles across financial services and entertainment sectors. 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 a combination of non-discretionary and discretionary investment solutions supported by centralized operations and extensive research.

Joseph Kim is a financial advisor with Charles Schwab who holds a Series 66 designation and has 13 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank SSB since 2012 and 2014, respectively. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and a formal alternative-investment onboarding process.

Eric Byun is a financial advisor with Charles Schwab in Encino, CA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Fidelity Investments, Deloitte, JP Morgan Chase Bank, and Morgan Stanley. 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, offering a combination of non-discretionary and discretionary investment management supported by centralized operational and custody arrangements.