Wesley Kelly is a CFP® and Series 63 licensed advisor with Charles Schwab in Phoenix, AZ, where he has worked since 2016. He has 17 years of industry experience. His prior roles include work with Schwab Private Client Investment Advisors. 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 centralized operational platforms.

Guillermo Ramirez is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Bank of America, Merrill, Robinhood, and AssetMark Financial. 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’s integrated model combines non-discretionary advisory services with access to discretionary separately managed accounts and alternative investments.

John Flickinger is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Bancwest Investment Services, Bank of the West, Ameriprise Financial Services, and Edward Jones. 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 multi-asset model portfolios alongside alternative investment options.

Steven Bregman is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Charles Schwab since 2020. Prior to Schwab, he worked at USAA Financial Advisors, Inc., USAA Financial Planning Services, and USAA Investment Management Company from 2007 to 2020. 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 client relationships with access to discretionary separately managed accounts and an integrated operational structure.

Francis Kirk is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses. He has been with Charles Schwab since 2025 and is based in Phoenix, AZ. Outside of his advisory role, he has been involved with Arizona State Men's Lacrosse since 2025. 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 emphasizes multi-asset model portfolios and alternative investment options.

Cory Dawson is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 credentials and possessing 23 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank for over a decade and is also president of GSS West LLC, a distributor of sealers and automotive products. Additionally, he has participated as an event worker on the football chain gang for the Tempe Union School District. 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, supported by multi-asset model portfolios, due diligence on alternative investments, and centralized operational resources.

Brenda Ghosh is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She has worked with various Charles Schwab entities since 2013 and has experience in real estate and property management dating back to 2008. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, combining non-discretionary advisory services with access to discretionary separately managed accounts and a comprehensive range of brokerage, custody, and cash management solutions.

Jayson Biedebach is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 65 designations and seven years of industry experience. His prior roles include positions at JP Morgan Securities, LLC, JPMorgan Chase Bank, N.A., and American First Credit Union. He has been with Charles Schwab since 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Maximilian Frimann Dahl is a financial advisor at Charles Schwab in Phoenix, AZ, holding Series 66 and Series 63 licenses with two years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., Cetera Financial, Cleat Street Capital, Norvision, and Silverleaf Country Club. 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, offering integrated brokerage, advisory, custody, and cash-sweep services. The firm’s investment approach combines non-discretionary guidance with access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Kevin Riley is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 66 and Series 63 designations and has worked with Charles Schwab and Charles Schwab Bank since 2015. 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 guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Christian Valoria is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and totaling 24 years of industry experience. He has been with Charles Schwab since 2006, working across various divisions including Charles Schwab bank, Charles Schwab Trust Bank, and Charles Schwab Premiere Bank since 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 both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized custody and order-routing operations.

Elizabeth Hodge is a financial advisor at Charles Schwab with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2017 and 2019, respectively. Prior to joining Schwab, she was employed at The Fractured Prune and The Cheesecake Factory. 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 multi-asset model portfolios and centralized operational resources.

Samuel Carlson is a Series 66 licensed financial advisor with nine years of industry experience. He is currently with Charles Schwab & Co., Inc., where he has worked for five years, and previously held positions at Bank of the West and Morgan Stanley. Based in Phoenix, AZ, Carlson’s career spans roles with major financial institutions. 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 options using multi-asset model portfolios and a centralized operational structure that supports a wide range of advisory and custody services.

Joshua Obolewicz is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and one year of industry experience. Prior to his current role, he has experience working at Swain Electric Inc. and other firms in various capacities. 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 delivered through multi-asset model portfolios and an integrated operational structure.

Alexa Tenpenny is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and one year of industry experience. Before joining Schwab, she worked for six years at CBCB sports bar and spent four years in full-time education. 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 management services with an emphasis on multi-asset model portfolios and alternative investments.

Zachary Scheel is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab Co., Inc. since 2023. Prior to advising, his work experience includes roles in various service and delivery positions. 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 multi-asset model portfolios supported by in-house research and a formal alternative investment program.

Charles Hopkins is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ. He holds the Series 66 designation and has 10 years of industry experience. His prior firms include BMO Direct Invest Inc., Bank of the West, BancWest Investment Services, Inc., 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 and discretionary investment guidance, utilizing multi-asset model portfolios and strict due diligence on alternative investments.

Jay Dittman is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Charles Schwab since 1993 and also manages Black Mountain Properties, LLC, a company he co-owns that oversees personally owned residential rental properties. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by research from its Center for Financial Research.

Harold Chapple is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab in various capacities since 2000, including roles at Charles Schwab Trust Bank, Charles Schwab Premiere Bank, and Charles Schwab Bank. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and comprehensive due diligence on alternative investments.

Taniela Pututau is a Planning Consultant at Fidelity Investments, a position he has held since 2026. He has been with Fidelity Investments since 2023, progressing through various roles including Customer Relationship Advocate, Trading Specialist I, Investment Solutions Representative I, and Relationship Manager. His professional experience encompasses client relationship management and investment solutions, contributing to his expertise in financial planning. Taniela emphasizes a collaborative approach to financial planning, focusing on understanding clients' perspectives and translating their goals into actionable plans. He aims to empower clients with knowledge and confidence to make informed decisions. Outside of his professional role, Taniela has interests in fitness, football, running, and traveling.