Stephen Smith is a CFP® professional with 15 years of industry experience, currently serving at Charles Schwab in Newport Beach, CA. He has been with Charles Schwab and Charles Schwab Bank since 2017. Outside of his advisory role, he rents out rooms in his personal residence. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset portfolios and research from Schwab Center for Financial Research.

Nathan Delgado is a financial advisor at Charles Schwab with Series 66 credentials and no prior industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab & Co., American Healthcare REIT, and the UCI Financial Aid Office. 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 model portfolio approach and centralized operational structure.

Scott Lee is a financial advisor with Charles Schwab in Newport Beach, CA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior work includes roles at Charles Schwab Bank and Charles Schwab since 2021, as well as positions in education and other fields earlier in his career. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through a combination of wrap fee advisory, brokerage, custody, and financial planning services. The firm offers both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and due diligence from its research center.

Lu Stone is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several major firms, including Bank of America, Merrill, JP Morgan, and Wells Fargo. Outside of his advisory role, Stone serves as president of the Southern California Chinese Association, where he provides guidance on marketing strategy, hosts events, and offers career coaching and mentorship. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with integrated custody and brokerage services.

Mark Stanga is a financial advisor at Charles Schwab with one year of industry experience. He previously led The Stanga Group for ten years before joining Charles Schwab and Charles Schwab Bank, SSB. He holds a Series 66 designation and is based in Newport Beach, CA. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Neilson Licos is a financial advisor with Charles Schwab in Newport Beach, CA, holding a Series 66 designation and five years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., UBS, and the University of Arizona. 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 and discretionary investment management, leveraging multi-asset model portfolios and a centralized operational structure.

Callum Culmer is a financial advisor with Charles Schwab in Newport Beach, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Charles Schwab since 2000 and Charles Schwab Bank, SSB since 2014. 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, utilizing multi-asset model portfolios and a formal process for alternative investments.

Michael Villanueva is a financial advisor at Charles Schwab with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at firms including PFG Advisors, Securities America, Comerica Securities, Merrill, and Wells Fargo. Villanueva operates out of Newport Beach, CA. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by the Schwab Center for Financial Research.

Karlee West is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and has prior work history including roles at NYLIFE Securities LLC, New York Life Insurance, Northwestern Mutual, and Charles Schwab Bank. Outside of finance, she was involved with Mamaka Bowls from 2023 to 2024. Charles Schwab 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 mix of non-discretionary and discretionary investment options, supported by strategic asset allocation and a centralized operational structure.

Adam Hess is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab, he was involved in professional basketball and related athletic organizations. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering integrated advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts.

Eric Hom is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and eight years of industry experience. He has worked at Charles Schwab since 2015 and at Charles Schwab Bank since 2018. Based in Newport Beach, CA, Hom has spent his career within the Schwab organization. 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Trevor Williams is a financial advisor at Charles Schwab with a Series 66 credential and two years of industry experience. His prior work includes roles at The Judge Group and involvement with Zeta Tau Alpha and the South Padre Island Fire Department. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, delivering investment guidance using multi-asset model portfolios and due diligence from Schwab’s Center for Financial Research.

Matthew Bohm is a financial advisor with Charles Schwab in Newport Beach, CA, holding a Series 66 designation and with 26 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2000 and 2005, respectively. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm’s model combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Camila Veron is a financial advisor with Charles Schwab in Newport Beach, CA, holding Series 63 and Series 65 licenses and one year of industry experience. Her prior work includes roles at Charles Schwab Bank SSB, Shop Your Own Mortgage, and the Consulado General de la Republica Argentina. 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 advisory relationships and access to discretionary separately managed accounts.

Jeffrey Stubbert is a CFP® with 32 years of experience in the financial industry. He has been with Charles Schwab since 1995 and also works with Charles Schwab Bank, where he has been employed since 2005. Based in Newport Beach, CA, he holds a Series 63 license. 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 investment guidance and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

James Helsel is a CFP® professional with 30 years of industry experience, currently serving at Charles Schwab in Newport Beach, CA. He has been with Charles Schwab and its affiliated entities since 2002, including over two decades at Charles Schwab Bank. Outside of his advisory role, he is engaged in property management unrelated to securities. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and a centralized operational structure.

Koral Newman is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. Her prior work includes roles at Continuum 33 and Smarty Social Media, as well as consulting and education positions. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides both non-discretionary and discretionary investment options, supported by multi-asset model portfolios and centralized operational infrastructure.

Aisha Naviwala is a Series 66-licensed financial advisor at Charles Schwab with one year of industry experience. Prior to joining Schwab, she was involved with Weave Hub LLC for 12 years and worked at Zeen for three years. She also spent three years as a homemaker. 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 multi-asset model portfolios and research from Schwab Center for Financial Research.

Holly Cisneros is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and eight years of industry experience. She has worked at Charles Schwab Bank SSB and Charles Schwab since 2018, and previously held positions at Loyola Marymount University and Fresno State University. 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 advisory relationships and discretionary separately managed accounts with a multi-asset investment approach supported by centralized supervision and operational integration.

Alexander Biestek is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Equitable Advisors and has additional experience outside finance, including operating a bail bonds business and working as a background actor in advertising. 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 separate managed accounts, offering multi-asset model portfolios and centralized operational support.

Chad Shultz is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Charles Schwab since 1997, including a period at Charles Schwab Bank starting in 2005 and a recent role at TD Ameritrade from 2021 to 2024. Based in Newport Beach, CA, he has a long tenure with Schwab’s affiliated firms. Charles Schwab & Co., Inc. serves 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 client advisory models with access to affiliated discretionary separately managed accounts, supported by a large scale and integrated operational structure.

Timothy Mosley is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab & Co., Inc. since 2005, including a role at Charles Schwab Bank beginning in 2010. Based in Newport Beach, CA, his career has been focused within the Schwab organization. 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 multi-asset model portfolio approach and centralized operational infrastructure.

Garland Sharp III is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and 18 years of industry experience. He has worked at Charles Schwab since 2007 and has been affiliated with Charles Schwab Bank SSB since 2013. 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 related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and discretionary separately managed accounts, leveraging multi-asset model portfolios and research from its Center for Financial Research.

Caleb Lodge is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 2014. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Yanai Macon is a financial advisor with Charles Schwab in Newport Beach, CA, holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Schwab, Yanai worked at Great Maple, Jersey Mike's Subs, Fidelity Investments, and has experience in education and camp operations. 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 management with multi-asset model portfolios and due diligence on alternative investments.

Courtney Ima is a financial advisor at Charles Schwab with Series 66 registration and one year of industry experience. Prior to joining Schwab, she held various roles including positions at Windes and NM Law, alongside periods of full-time education. Ima has also been involved with Orange County Executives and Networkers and Upside Down LA. 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 and discretionary investment solutions supported by multi-asset model portfolios and a centralized operational infrastructure.

Samantha Garcia is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and previously worked in the restaurant and gymnastics sectors before joining Charles Schwab Bank and Charles Schwab & Co., Inc. She is based in Newport Beach, CA. 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, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investment options.

Neha Dixit is a Financial Advisor with Merrill Lynch Wealth Management, specializing in tailored wealth management strategies for individuals and families. With close to a decade of experience in the financial services industry, she assists clients in navigating investment management, retirement planning, and trust and estate strategies. Neha leverages Merrill's research and insights to deliver customized portfolios aligned with her clients' unique goals. Her expertise encompasses college education planning, family wealth management, investment consulting for defined contribution plans, liquidity management, portfolio management services, and retirement income planning. Neha holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Jai Hind College. She communicates fluently in English and Hindi. Outside of her professional work, Neha enjoys running, yoga, and spending time with her family. Her approach centers on transparency, trust, and simplifying complex financial challenges to empower clients in achieving their financial objectives.

Thea Lewis is a CFP® professional with 24 years of industry experience, currently serving at Charles Schwab in Newport Beach, CA. Her prior experience includes roles at American Funds, Sierra Investment Management, and Payden & Rygel. Outside of her advisory work, she is involved with the Newport Mesa High School Sailing Foundation and serves on the Corona Del Mar High School Sailing Parent Advisory Board, assisting with team logistics and event coordination. 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 and discretionary investment management supported by extensive research and operational integration.

Olivia Smith is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Her prior work includes roles at Proabition and Downtown Experiment, along with experience in various hospitality-related positions. 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 both non-discretionary and discretionary investment options, combining model portfolios with access to affiliated discretionary separate managed accounts and a formal alternative investments program.

Richard Dunn is a financial advisor at Charles Schwab with 39 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, SSB since 2023, Charles Schwab and Co., Inc. since 2022, and previously at TD Ameritrade, Inc. from 2014 to 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, using multi-asset model portfolios and a formal alternative-investment onboarding process.

Catherine Wilson is a financial advisor with Charles Schwab holding a Series 66 designation and five years of industry experience. She has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2020. Outside the financial industry, she has experience related to dance through roles at Nicoles School of Dance and Twin City Twisters. 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 SMAs and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Shane Lunneborg is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various Schwab affiliates and TD Ameritrade. 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 operational and supervisory structures.

Justin Kwok is a financial advisor with Charles Schwab, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at Rockefeller Financial LLC, Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and HSBC Bank USA, N.A. He is currently based in Newport Beach, CA. 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 options with multi-asset model portfolios and alternative investment opportunities.