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.

Michael Roche is a financial advisor at Charles Schwab with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has prior work experience at E*TRADE Capital Management, Bank of America, Edward Jones, and FTN Financial Capital Markets. He is based in Jersey City, NJ. Charles Schwab & Co., Inc. primarily serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

James Ferraioli is a financial advisor with Charles Schwab & Co., Inc., holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley, where he worked for a combined 12 years, as well as a brief tenure at Equitable Advisors. He is based in Jersey City, NJ. 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’s integrated structure combines non‑discretionary advisory relationships with access to discretionary separately managed accounts and offers multi‑asset model portfolios supported by centralized supervisory and operational capabilities.

David Ciccolini is a financial advisor at Charles Schwab & Co., Inc. with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at TD Ameritrade, Morgan Stanley, and The Vanguard Group. 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 services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Anthony Bazzini is a financial advisor at Charles Schwab with 24 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade from 2010 to 2022 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers investment guidance using multi-asset model portfolios and due diligence on alternative investments.

Michael Zak is a financial advisor with Charles Schwab in Jersey City, NJ, holding Series 63 and Series 66 designations and nine years of industry experience. His prior roles include positions at Liberty Mutual Insurance, USAA Investment Management Company, and USAA Financial Planning Services. He has also been involved with Bella Stella Winery. 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, offering a mix of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and alternative investment options.

Nathan Schroeder is a financial advisor with Charles Schwab & Co., Inc. in Jersey City, NJ, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked at Charles Schwab since 2016. 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 options, using multi-asset model portfolios, and supports its clients with comprehensive brokerage, custody, and cash-sweep services.

Ryan Federico is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at TD Ameritrade for eight years before joining Charles Schwab. 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 blend of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and a centralized operational structure.

Elizabeth Hart is a financial advisor at Charles Schwab with 37 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Charles Schwab in 2022, she worked at TD Ameritrade from 2017 to 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 advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Brian Lovit is a financial advisor with Charles Schwab in Jersey City, NJ, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior roles include positions at Bank of America and Merrill Lynch. 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 investment guidance and access to discretionary separately managed accounts.