Phoebe Chao is a CFP® professional with 22 years of experience in financial advising. She is currently with Charles Schwab, where she has worked since 2018, following prior roles at USAA Investment Management Company and USAA Financial Advisors. 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 integrated custody, brokerage, and cash-sweep services.

Tenaya Moranda is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, she worked at CorePower Yoga and LawAdvisor Ventures, and also has a background in education. Charles Schwab serves a large client base of high- and ultra-high-net-worth individuals primarily through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary advice and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Brian Wood is a financial advisor with Charles Schwab who holds a Series 66 designation and has 23 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Merrill, and Bank of America. 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 strategic asset allocation models and a formal alternative-investment due diligence process.

John Manalili is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 22 years of industry experience. His prior roles include 13 years at Merrill Lynch before joining Charles Schwab and Charles Schwab Bank 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 operates a hybrid advisory model with both non-discretionary and discretionary investment options, supported by centralized custody and due diligence on alternative investments.

Xun Liu is a financial advisor with Charles Schwab holding a Series 66 credential and three years of industry experience. Prior to joining Charles Schwab, Liu worked at Wells Fargo and has background experience in the hospitality industry. 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 a multi-asset investment approach and centralized operational infrastructure.

Andrea Collins is a financial advisor with Charles Schwab in Newport Beach, CA, holding a Series 66 designation and 18 years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2019, following six years at City National Rochdale. Andrea is also a self-publishing author. 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 and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Bryan Pepper is a Series 66-credentialed financial advisor with 18 years of industry experience, currently with Charles Schwab. His prior experience includes roles at J.P. Morgan Securities and several other financial firms. Charles Schwab & Co., Inc. serves a large client base mainly composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management across multiple asset classes combined with brokerage, custody, and financial planning services.

Fatama Khan is a financial advisor at Charles Schwab with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated bank since 2011. Khan serves as a member at large for an Orange County education board, participating in decisions about event content. 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 solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Kyle Bergstrom is a financial advisor with Charles Schwab who holds a Series 66 designation and has nine years of industry experience. He has worked at Charles Schwab Bank, SSB since 2017 and Charles Schwab & Co., Inc. since 2016. 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 services with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by in-house research and due diligence on alternative investments.

Adam Zedan is a Certified Financial Planner (CFP®) with 20 years of industry experience. He is currently with Charles Schwab in Newport Beach, CA, where he has worked since 2018. Prior to that, he was with Fidelity Investments and Fidelity Personal and Workplace Advisors from 2010 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 offers a combination of non-discretionary and discretionary investment options supported by centralized custody, brokerage, and alternative investment capabilities.

Bryan Uwaechia is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., TD Ameritrade, Bangor Savings Bank, and the University of Maine prior to his current role. Charles Schwab & Co., Inc. serves a large client base 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 services and access to discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios and due diligence on alternative investments.

Elizabeth Rizza is a financial advisor at Charles Schwab with six years of industry experience. She previously worked at JP Morgan Securities, Morgan Stanley, and Merrill. Outside of her advisory work, she operates an eBay resale business selling goods such as model airplanes and lanterns. 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’s client relationship model combines non-discretionary advisory recommendations with access to discretionary separately managed accounts and features multi-asset model portfolios and alternative investment options.