Tristan Cruz is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and one year of industry experience. His prior work experience includes roles at Forest Highlands Golf Club and Flagstaff Equipment Co. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a combination of non-discretionary and discretionary advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts.

Kelly Bederin is a financial advisor at Charles Schwab with 25 years of industry experience. She holds Series 63 and Series 66 credentials. Her career at Charles Schwab and its affiliates spans over two decades, beginning in 1999. 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 investment advice and access to affiliated discretionary managed accounts. The firm is notable for its scale, integrated services, and a distinctive client relationship model that blends periodic recommendations with discretionary portfolio options.

Jessica Duran is a financial advisor at Charles Schwab with 11 years of industry experience. She holds Series 66 and Series 63 licenses and has been with Charles Schwab since 2014, with prior employment at Uber in 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 and discretionary investment guidance using multi-asset model portfolios and provides integrated advisory, brokerage, custody, and cash-sweep services.

Megan Johnson is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and eight years of industry experience. She has worked at Charles Schwab since 2017 and previously held a position at PayPal from 2011 to 2017. 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-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by the Schwab Center for Financial Research.

Shauna Nichols is a financial advisor at Charles Schwab with 17 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Charles Schwab since 2006, including roles at Charles Schwab Trust Bank, Premier Bank, and Charles Schwab Bank since 2019. Nichols serves as a board member and secretary for the PCOS Awareness Association, a nonprofit charitable organization. Charles Schwab serves a large client base primarily composed of 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 advisory relationships and access to discretionary separately managed accounts, employing a multi-asset model portfolio investment approach and a centralized operational structure.

Daniel Duncan is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ. He holds Series 63 and Series 66 licenses and has four years of industry experience. Prior to joining Charles Schwab in 2021, he worked at Nordson Sonoscan from 2016 to 2020. 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 guidance using multi-asset model portfolios and provides integrated custody, brokerage, and advisory services.

Nathan Miller is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank, SSB since 2024. His background includes roles at Charles Schwab Charitable and Financial Planning First, as well as experience outside finance in restaurant and fraternity management. Charles Schwab 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, employing multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Gabriel Puentes is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has been with Charles Schwab since 2017, including time at Charles Schwab Bank. His background also includes roles at Quiktrip and Robert Wayne Footwear. 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 advice and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Grace Meredith is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 12 years of industry experience. She has been with Charles Schwab since 2013. Charles Schwab & Co., Inc. serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment advice and access to discretionary separately managed accounts. The firm is notable for its scale, integrated service model, and multi-asset investment approach supported by in-house research and alternative investment programs.

Sarah Gadwa is a financial advisor at Charles Schwab with 12 years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab since 2013, including roles at Charles Schwab Bank, SSB and Schwab Private Client Investment Advisory, Inc. She is based in Phoenix, AZ. 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 guidance supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Paul Ganshirt is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and possessing 11 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc and Scottrade, Inc. before joining Charles Schwab and its Trust Bank affiliate. 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, utilizing multi-asset model portfolios and a centralized operational structure.

J Scott Rainey is a CFP® professional with 28 years of industry experience, currently serving at Charles Schwab in Phoenix, AZ. He has been affiliated with Charles Schwab and Charles Schwab Bank since 2008 and has been a member of the City of Fairlawn Planning Commission for 18 years. Rainey also serves on the advisory board of the Salvation Army, helping to guide local charitable activities. 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 both non-discretionary and discretionary investment guidance with multi-asset model portfolios and centralized custody and operational support.

Matthew Morrell is a financial advisor with Charles Schwab based in Phoenix, AZ, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at USAA Life Insurance Company, USAA Investment Management Company, and USAA Financial Advisors Inc. He has worked at Charles Schwab and Charles Schwab Bank 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by comprehensive research and due diligence.

Indira Romero is a financial advisor at Charles Schwab with 12 years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab since 2017, including a role at Charles Schwab Bank, SSB. Prior to Schwab, she spent a year at Bank of America/Merrill Lynch. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through a combination of wrap fee programs, managed accounts, and financial planning services. The firm utilizes a primarily non-discretionary client relationship model supplemented by access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research and a formal alternative investment process.

Joseph Deihl is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at The Vanguard Group, Wells Fargo, and work outside finance at Dairy Queen. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a blend of advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account services. The firm’s model combines non-discretionary advice with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by ongoing research and due diligence.

Evan Soso is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has worked at Charles Schwab since 2011, including a period with Charles Schwab Bank from 2016 to 2018, and also spent two years at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment services supported by in-house research and a multi-asset model portfolio approach.

Troy Riley is a financial advisor with Charles Schwab based in Phoenix, Arizona. He holds the Series 66 designation and has 10 years of industry experience, including prior roles at Merrill and Bank of America. He has been with Charles Schwab since 2018. 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 relationships with access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Dylan Monger is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at Yelp, ZipRecruiter, Harkins Theatres, and Hibu. Outside of his advisory role, he works as a delivery driver for DoorDash. 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 alongside access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment program.

Julia Kemmer is a CFP® professional with four years of industry experience, currently advising clients at Charles Schwab in Phoenix, AZ. Prior to joining Schwab in 2021, she worked in various roles including positions at Discount Tire Company and Tempe Chrysler Jeep Dodge. Outside of financial advising, she serves on the board of the Lofts at Arcadia Homeowners Association and leads a personal hobbyist software development business focused on mobile applications unrelated to finance. 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 portfolio management along with integrated brokerage, custody, and advisory services.

George Yanez is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. His career includes tenures at various Schwab entities and Unionbanc Investment Services LLC. Outside of finance, he worked as a freelance musician for nearly two decades. 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, offering multi-asset model portfolios and a structured approach to alternative investments.