Sandra Pelio is a financial advisor with Charles Schwab, holding a Series 66 designation and 14 years of industry experience. She previously worked at Merrill Lynch from 2010 to 2023 before joining Charles Schwab in 2024. Charles Schwab & Co., Inc. serves 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 a centralized operational structure.

Carolyn Vaeth is a financial advisor with Charles Schwab in New York City, holding Series 63 and Series 65 licenses and four years of industry experience. Her prior work includes roles at USI Advisors, USI Consulting Group, and Chernoff Diamond. She is also a co-founder of Sandpiper Medical, a wholesale trade and import-export business focused on business development and client relations. 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 separately managed accounts, along with integrated brokerage, custody, and cash-sweep services.

Justin Schreiber is a financial advisor with Charles Schwab & Co., Inc. in New York City, holding a Series 66 designation and 15 years of industry experience. He has previously worked at TD Ameritrade and Carey Financial, 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational platform.

Robert Kay is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Charles Schwab in Lone Tree, Colorado. He has worked at Charles Schwab since 2009, including roles with Charles Schwab Bank and Schwab Private Client Investment Advisory, Inc. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals, offering a range of wrap fee advisory programs, managed accounts, and financial planning services. The firm combines a non-discretionary client relationship model with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by in-house research and due diligence on alternative investments.