Stacey Cicotello is a financial advisor at Charles Schwab with 19 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Scottrade and TD Ameritrade. Cicotello is based in Phoenix, AZ. Charles Schwab serves a large client base primarily made up 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 centralized operational and custodial services.

Kelli Thurmond is a financial advisor at Charles Schwab with 18 years of industry experience. She holds Series 63 and Series 65 licenses. Her prior work includes roles at USAA Financial Planning Services and USAA Financial Advisors, Inc. Charles Schwab serves primarily high- and ultra-high-net-worth clients 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 solutions supported by multi-asset model portfolios and a centralized operational structure.

Veronica Coope is a financial advisor at Charles Schwab with 14 years of industry experience. She holds a Series 66 designation and has worked within Charles Schwab entities since 2010, including Schwab Wealth Advisory and Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wrap fee programs and managed-account services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios and provides integrated brokerage, custody, and financial planning services.

Paul Roberts is a CFP®-certified financial advisor with Charles Schwab, based in Phoenix, AZ, and has 17 years of industry experience. He previously worked at USAA Investment Management Company and USAA Financial Advisors Inc. Roberts is a Captain and Human Resource Officer in the United States Army Reserve. Outside of finance, he is involved in youth sports as a certified pickleball coach and serves as Chief Financial Officer for a nonprofit youth pickleball club in Arizona. Charles Schwab & Co., Inc. serves a broad client base, primarily high- and ultra-high-net-worth individuals, offering a combination of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account solutions.

Scott Witowski is a financial advisor with Charles Schwab holding a Series 66 designation and 15 years of industry experience. He previously worked at TDAmeritrade for 12 years before joining Charles Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 a formal alternative-investment offering, supported by centralized custody and operational infrastructure.

Jose Perez Mancera 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 Bank, SSB, and Charles Schwab since 2023. Outside of his advisory role, he occasionally serves and bartends at Arizona Grand Resort. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 integrated brokerage, custody, and cash management services.

Corey Hall is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has worked at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. since 2021, following prior roles at Wells Fargo Clearing Services and Wells Fargo Bank. 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 solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Matthew Clearman is a CFP® professional with eight years of industry experience, currently with Charles Schwab in Phoenix, AZ. His work history includes roles across several Charles Schwab entities and a brief period at Fidelity Investments. Outside of his advisory work, he operates an eBay store specializing in baseball cards and collectibles. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management. The firm combines comprehensive advisory, brokerage, and custody services within an integrated, large-scale platform.

Jennifer Knapp is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. Her prior experience includes roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account options. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios along with centralized operational and compliance structures.

Julie De La Torre is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding Series 63 and Series 66 credentials and having seven years of industry experience. She has worked at Charles Schwab since 2018 and previously held positions at The Vanguard Group and Thrasher Law Offices PLLC. 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 a range of investment guidance supported by multi-asset model portfolios and due diligence on alternative investments.

Raylun Golay is a Series 66-licensed financial advisor with six years of industry experience. He is currently with Charles Schwab, where he has worked since 2021, and previously worked at Merrill from 2019 to 2021. Prior to his financial services career, he was employed at Scottsdale Training and Rehabilitation Services and the City of Scottsdale. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Craig Lewis is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has worked at Charles Schwab since 2007 and at Charles Schwab Bank, SSB 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 both non-discretionary and discretionary investment advisory options, utilizing multi-asset model portfolios and alternative investment due diligence.

Lauren Goeddel is a financial advisor at Charles Schwab with 17 years of industry experience and holds the Series 66 credential. She has been with Charles Schwab since 2011, totaling 15 years at the firm. 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 delivers investment guidance using multi-asset model portfolios and offers a combination of non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts.

Paul Wilson is a financial advisor at Charles Schwab with five years of industry experience. He holds the Series 66 designation and has worked at firms including J.P. Morgan Securities LLC, Robinhood, and Morgan Stanley. 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 SMA portfolios and offers centralized custody, order routing, and due diligence on alternative investments.

Kenneth Szymanski is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 10 years of industry experience. He has worked at various entities within Charles Schwab since 2015, including Charles Schwab Bank, SSB, and Charles Schwab Premier Bank SSB. 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 and discretionary investment management supported by multi-asset model portfolios and integrated custody and brokerage services.

Philip Buck is a financial advisor at Charles Schwab with 22 years of industry experience. He has been with Charles Schwab since 2007 and holds the Series 63 and Series 66 designations. Based in Phoenix, AZ, he serves clients through one of the largest wealth management firms in the industry. 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 solutions using multi-asset model portfolios and a centralized operational structure.

Terrence O'Brien is a financial advisor at Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation with eight years of industry experience. He has worked exclusively at Charles Schwab since 2018. 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 and discretionary investment solutions, supported by centralized custody and operational infrastructure.

Steven Rain 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 since 2017, including a role at Charles Schwab Bank since 2025. Prior to his investment career, he was employed by the Deer Valley Unified School District from 2012 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 affiliated discretionary separately managed accounts and operates a multi-asset model portfolio approach supported by centralized custody and order-routing arrangements.

Chad Spicer is a financial advisor with Charles Schwab, holding Series 65 and Series 66 licenses and possessing 18 years of industry experience. He has worked at Charles Schwab since 2020 and previously spent a decade with various USAA financial service entities. 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 a blend of non-discretionary investment guidance and access to affiliated discretionary managed accounts. The firm’s scale and integrated structure combine advisory, brokerage, and custody services with a distinctive operational approach that includes multi-asset portfolios and alternative investment options.

Talon Seltzer is a CFP®-certified financial advisor with 11 years of industry experience, currently practicing at Charles Schwab in Phoenix, AZ. He has worked with Schwab Private Client Investment Advisory, Inc. and has been with Charles Schwab since 2015. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary investment recommendations and access to discretionary separately managed accounts. The firm’s integrated structure combines advisory, brokerage, custody, and cash-sweep services with a centralized operational model.