Michael Sullivan is a financial advisor at Charles Schwab in Lone Tree, Colorado, holding Series 66 and Series 63 designations with three years of industry experience. His prior roles include positions at Northwestern Mutual - Bench Wealth and Rocky Mountain Crude Oil, as well as periods dedicated to full-time education. 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 a combination of non-discretionary and discretionary investment models, utilizing multi-asset portfolios and alternative investments within an integrated operational structure.

Kahle Greenfield is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding a Series 66 designation and 25 years of industry experience. His work history includes roles at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2017, with prior experience at Columbia Management Investment Advisers, LLC. 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 discretionary separately managed accounts, supported by centralized custody and an integrated operational structure.

Christopher Rivera is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and four years of industry experience. He has been with Charles Schwab & Co., Inc. since 2020 and previously worked at Target and The Window Man. 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 affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

Richard Riedy is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked previously at Rei and First Federal Savings and Loan. Charles Schwab & Co., Inc. serves a very 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 offers multi-asset model portfolios supported by in-house research and alternative investment options.

Carolyn Jordan is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and having 12 years of industry experience. Her work history includes roles at Schwab Private Client Investment Advisory, Inc. from 2018 to 2020 and Charles Schwab Bank from 2012 to 2018. 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 multi-asset model portfolios supported by extensive due diligence and centralized operational infrastructure.

Cassandra Webster is a Series 65 licensed financial advisor with 11 years of industry experience. She has been with Charles Schwab and its affiliates since 2018, following five years at Windhaven Investment Management. Webster is based in Lone Tree, Colorado. 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 related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios and a structured alternative investments program.

Melissa Buljung is a financial advisor at Charles Schwab with 13 years of industry experience. She holds the Series 63 and Series 65 credentials. Her prior work includes roles at USAA Investment Management Company and USAA Financial Advisors Inc. 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 discretionary separately managed accounts and uses multi-asset model portfolios supported by centralized custody and supervised operations.

Mary Hamblin is a CFP® designate working at Charles Schwab with five years of industry experience. She has held multiple roles in education and the arts prior to her current position. Outside of advising, she owns MerryMakes LLC, a small business selling crocheted goods online. 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 and discretionary investment options, supported by centralized custody and operational infrastructure.

Elizabeth Johnson is a financial advisor at Charles Schwab with 27 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Charles Schwab since 1999. Johnson serves on the University of Colorado Denver Business School Board of Advisors. 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 a multi-asset model portfolio approach.

Hilton Ianniciello is a financial advisor with Charles Schwab, holding a Series 66 designation and 13 years of industry experience. His work history includes roles at Charles Schwab Bank and Charles Schwab since 2018, as well as prior experience with National Securities Corporation and Gilman Ciocia, Inc. since 2010. 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 investment guidance and access to affiliated discretionary SMAs, utilizing multi-asset model portfolios and a formal alternative-investment process.

Christopher Jordan is a financial advisor with Charles Schwab & Co. Inc. in Lone Tree, Colorado. He holds Series 63 and Series 66 licenses and has 19 years of industry experience, including 20 years with Charles Schwab. 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. Schwab offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios, with a distinctive operational structure that combines centralized custody and supervisory arrangements with access to alternative investments.

Scott Batley is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America, Merrill, Empower Financial Services, Robinhood Financial, and T. Rowe Price. His background also includes service in the Colorado National Guard and Defense Finance and Accounting Services. 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 and discretionary investment solutions supported by extensive due diligence and centralized operational infrastructure.

Daniel Reser is a financial advisor with Charles Schwab in Lone Tree, CO, holding a Series 66 designation and 9 years of industry experience. He has been with Charles Schwab in various roles since 2015, including positions at Charles Schwab Bank and Charles Schwab Trust Bank. His other business activities involve supporting Schwab Bank’s products, services, technology, risk management, and corporate functions. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advice and access to discretionary managed accounts. The firm’s integrated structure supports a large client base with centralized supervision, custody, and a multi-asset investment approach.

David Wehrle is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked with Charles Schwab Bank and Charles Schwab since 2015. Outside of his advisory role, he is involved in audio engineering for Lifebridge Community Church and owns an aircraft leasing LLC associated with his flying club. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary portfolios, supported by a large-scale, integrated operational structure.

Anthony Truong is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 registrations and has worked at several firms, including Empower Retirement, Robinhood Financial, LLC, and Fidelity Brokerage Services LLC. Outside of his advisory work, he has operated a small rental service managing bedroom rentals. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management integrated with brokerage and custody services.

Michael Stolp is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2000 and with Schwab Wealth Investment Advisory, Inc. since 2017. 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 offers a combination of non-discretionary advisory guidance alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Richard Divine is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and having 13 years of industry experience. He has been with Charles Schwab since 2013. Outside of his advisory role, he is a co-owner and trustee of Churn Creek Golf Course in Redding, California. 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 affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Max Flores is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2013, including roles at Charles Schwab Bank, with prior experience at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, Comcast, and Bellco Credit Union. 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, utilizing multi-asset model portfolios and centralized operational structures.

Adam Naylor is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. His career includes roles at Charles Schwab and Fidelity Brokerage Services LLC. 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 advisory relationships and access to discretionary separately managed accounts.

Justin Angelo Heringer is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and four years of industry experience. His work history includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc., as well as positions related to education and local government. He has been involved with Western Governors University since 2020. 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 discretionary separately managed accounts and uses a multi-asset model portfolio approach supported by centralized operational and custodial services.