Julia Kemmer is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Charles Schwab in Phoenix, AZ. Her prior work history includes roles at Discount Tire Company, Tempe Chrysler Jeep Dodge, Floridino's Pizza and Pasta, and Global Resource Alliance. She is a board member of the Lofts at Arcadia Homeowners Association and is developing a software business focused on mobile applications for productivity and lifestyle purposes unrelated to financial services. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through integrated wrap fee advisory, brokerage, custody, and financial planning services. The firm offers both non-discretionary and discretionary investment management options supported by multi-asset model portfolios and has a distinctive operational structure combining advisory programs with affiliated discretionary SMA management.

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.

Alexander Hennessey is a financial advisor at Charles Schwab with seven years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2018. Prior to that, he was associated with the United Association of Mobile Contract Cleaners from 2016 to 2018. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wealth advisory, managed accounts, and financial planning services through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Christopher Yee is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. He 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses a multi-asset model portfolio approach supported by centralized operational and supervisory infrastructure.

Anthony Ludtka is a financial advisor with Charles Schwab based in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. His career includes roles at Charles Schwab Bank and Charles Schwab since 2018, as well as prior positions in various fields such as solar energy and commercial systems analysis. 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 combined non-discretionary and discretionary investment guidance model, utilizing multi-asset portfolios and due diligence on alternative investments, supported by a large-scale, integrated operational structure.

Christopher Barozie is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation and bringing 23 years of industry experience. His previous roles include positions at USAA Investment Management Company and various USAA financial planning and advisory services from 2013 to 2020. 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 investment approach supported by research from the Schwab Center for Financial Research.

Nicholas Mcarthur is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Northern Arizona University, Albertsons, Lifetime Fitness, Sushi Brokers, and the United States Forest Service. 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 separately managed accounts and provides integrated brokerage, custody, and advisory services.

Edward Greene is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. He has been with Charles Schwab 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 both non-discretionary advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Eric Hunsinger is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and with 25 years of industry experience. He has been with Charles Schwab since 2000. 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 model portfolio approach supported by proprietary research and due diligence.

Joseph Omutsani is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at USAA Financial Advisors and USAA Investment Management Company, where he worked for over a decade. 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. Schwab offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Brian Dobry is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. He has worked at Charles Schwab since 2018, following prior roles at NinjaTrader/Mirus Futures and West Catholic High School. 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 options, supported by multi-asset model portfolios, alternative investment due diligence, and integrated brokerage and custody services.

Thomas Samios is a financial advisor with Charles Schwab in Phoenix, AZ. He holds Series 63 and Series 66 licenses and has two years of industry experience. Prior to joining Schwab, he worked at the Odyssey Institute and held various roles in the retail and food service sectors. 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 provides a combination of non-discretionary guidance and access to discretionary separately managed accounts, supported by centralized operations and a formal alternative investment platform.

Brian Warren is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab and Fidelity Investments. Before entering the financial industry, he was employed at Midwestern State University. Charles Schwab & Co., Inc. serves a large client base 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 both non-discretionary and discretionary investment options with a focus on multi-asset model portfolios and centralized operational support.

David Clingman is a financial advisor at Charles Schwab with 20 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab and affiliated entities since 2021, as well as at TD Ameritrade and Merrill earlier in his career. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment onboarding process.

John Corn is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His career includes long-standing service at Charles Schwab since 2000, with prior experience at optionsXpress, Inc. from 2011 to 2017. 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 class investment approach supported by centralized operational and custodial services.

Ronda Lahey is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has worked at Charles Schwab & Co., Inc. since 1999 and was also with Charles Schwab Bank from 2005 to 2020. Outside of her advisory role, she is involved in managing a home rental business in Arizona. 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 management across multi-asset model portfolios, supported by a centralized operational structure and extensive due diligence on alternative investments.

Joshua Love is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses with 11 years of industry experience, all at Charles Schwab since 2015. He is co-owner of New Game Plus LLC, an event planning business. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wealth advisory, brokerage, custody, and financial planning services through integrated wrap fee programs and both non-discretionary and discretionary investment options.

Amberly Smith is a financial advisor at Charles Schwab with nine years of industry experience and holds a Series 66 credential. She has worked at Charles Schwab & Co., Inc. since 2016. 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 models alongside discretionary separately managed accounts, supported by multi-asset model portfolios, formal alternative investment processes, and integrated custody and brokerage services.

Walter Mack is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Charles Schwab since 2020. Prior to this, he was employed at USAA Investment Management Company and affiliated USAA financial planning and advisory firms from 2016 to 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account 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 a centralized operational structure.

Cody Hall is a financial advisor at Charles Schwab with 17 years of industry experience. He has held Series 63 and Series 66 licenses and has been with Charles Schwab since 2008. Based in Phoenix, AZ, he provides advisory services within one of the largest and most established firms in the sector. Charles Schwab & Co., Inc. serves a large client base including 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, alternative investment due diligence, and integrated custody and brokerage services.