Michael Fischer is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Robinhood Financial, LLC, Chase Bank, and JP Morgan Securities 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. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Sara Niesyty is a financial advisor at Charles Schwab with 26 years of industry experience. She has held her current role at Charles Schwab since 1999. Sara holds Series 63 and Series 66 designations. 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 offers a multi-asset investment approach supported by in-house research and alternative investment due diligence.

Paul Malec is a Series 66 licensed financial advisor with Charles Schwab in Lone Tree, Colorado. He has 11 years of industry experience, all of which have been with Charles Schwab since 2015. 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 offers multi-asset portfolio guidance supported by research and due diligence on alternative investments.

Craig Porazinski is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 66 and Series 63 licenses and with 13 years of industry experience. Prior to joining Schwab, he worked at optionsXpress, Inc. from 2013 to 2017. 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 SMAs and offers centralized supervisory, custody, and order-routing arrangements.

Caleb Kirkman is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has worked in various roles across Charles Schwab’s entities since 2017 and previously spent a year at Nationwide Insurance. 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 investment management with a multi-asset, model portfolio approach supported by the Schwab Center for Financial Research.

Andrew Tilley is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding a Series 66 designation and 17 years of industry experience. He has worked at Charles Schwab since 2018 and previously held positions at Progressive Insurance and Fidelity Brokerage Services LLC. 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. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides a multi-asset investment approach supported by research and alternative investment options.

Dallas Yeros is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and nine years of industry experience. He has worked with Charles Schwab & Co., Inc. since 2017 and Charles Schwab Bank, SSB since 2021. Prior to joining Schwab, he was employed at Total Quality Logistics. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by in-house research and a formal alternative investment program.

Jarrad Williams is a financial advisor at Charles Schwab with 9 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab & Co., Inc. since 2017 and Charles Schwab Bank, SSB since 2021. 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, utilizing multi-asset model portfolios, written advice policies, and a centralized operational structure.

Katie Obermeyer is a Series 66-licensed financial advisor with 11 years of industry experience. She is currently with Charles Schwab, where she has worked since 2019, following five years at OppenheimerFunds. Outside of her advisory role, she works as a delivery driver for Instacart and Shipt on a part-time basis. 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 a non-discretionary client relationship model with access to discretionary separately managed accounts and integrates investment guidance with centralized custody and operational support.

Robert Bourgeois is a financial advisor at Charles Schwab & Co., Inc. with 22 years of industry experience. He has been with Charles Schwab since 2010 and holds Series 63 and Series 66 licenses. 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 guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Emmanuel Castaneda is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 designations and six years of industry experience. His prior roles include positions at U.S. Bancorp Investments, U.S. Bank, and teaching at the Community College of Aurora. Charles Schwab & Co., Inc. serves mainly high- and ultra-high-net-worth clients 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 discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Andrew Weinstein is a financial advisor with Charles Schwab & Co., Inc. in Lone Tree, Colorado. He holds the Series 66 designation and has 12 years of industry experience, including 10 years at Charles Schwab. 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 offers a multi-asset investment approach supported by research from the Schwab Center for Financial Research.

Emmanuel Madera is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Charles Schwab since 2018. Before joining Schwab, he worked briefly at Key Bank and attended Metropolitan State University of Denver. Outside of his advisory work, he engages in online sales of personal items and collectibles via eBay. 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 and affiliated managed accounts. The firm offers a combination of non-discretionary and discretionary investment solutions, integrating advisory, brokerage, custody, and cash-sweep services within a centralized operational structure.

John Samartine is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63, 65, and 66 licenses and 16 years of industry experience, all with Charles Schwab since 2010. 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 both non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody, trading, and alternative investment processes.

Johnathan Hillier is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at the Credit Union of Colorado, GardaWorld, and Securitas Security Services. Hillier is also a commissioned officer candidate with the Colorado Army National Guard. 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, utilizing multi-asset model portfolios and due diligence on alternative investments.

Austin Yarrington is a financial advisor with Charles Schwab & Co., Inc. in Lone Tree, Colorado, holding Series 66 and Series 63 licenses and two years of industry experience. His prior roles include positions at Scott Houghton, Northwestern Mutual Investment Services, and Jeremy Sarby. 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 operates a primarily non-discretionary client relationship model, providing periodic investment recommendations while clients retain decision-making authority, and offers access to discretionary separately managed accounts through an affiliate.

Kyle Rash is a financial advisor at Charles Schwab with Series 66 registration and one year of industry experience. Before joining Schwab, he spent ten years in full-time education. 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 discretionary separate managed accounts and offers multi-asset model portfolios supported by dedicated research and due diligence.

Joseph Cali is a financial advisor at Charles Schwab with 24 years of industry experience. He holds Series 63, 65, and 66 designations and has worked within various Charles Schwab entities since 2008, including roles at Charles Schwab Trust Bank and Charles Schwab Investment Advisory, 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 affiliated discretionary separately managed accounts, offering multi-asset model portfolios supported by centralized custody and operational infrastructure.

Serena Betournay is a financial advisor at Charles Schwab with 11 years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Charles Schwab in 2018, her work history includes roles at Apple Inc., JP Morgan Securities LLC, JP Morgan Chase Bank, and E*Trade Financial. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Andrea Hood is a financial advisor at Charles Schwab with 10 years of industry experience. She holds the Series 63 and Series 66 registrations and has been with 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 investment guidance and access to discretionary separately managed accounts, supported by a centralized operational structure and due diligence processes.