Richard Larin is a financial advisor at Charles Schwab with Series 66 credentials and two years of industry experience. His prior work history includes roles at Charles Schwab Bank SSB, Robert Half, Northwestern Mutual, and Tracfone Wireless Inc. Outside of his advisory work, he has involvement in real estate through ownership of a rental unit in Altamonte Springs, Florida. 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 both non-discretionary and discretionary investment management with a multi-asset model portfolio approach, supported by centralized custody and operational infrastructure.

Natalia Portocarrero is a CFP® and Series 66 credentialed financial advisor with five years of industry experience. She has worked at Charles Schwab since 2021, including Charles Schwab Bank since 2024, and previously was with Portfolio Resources Group from 2018 to 2021. Her background also includes experience outside finance, having worked at Mi Apa Latin Cafe. 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 multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Alexandra Druskin is a CFP® professional with nine years of experience in the financial services industry. She is currently an advisor at Charles Schwab & Co., Inc. Alexandra's prior experience includes positions at Fidelity Investments, Truist Investment Services, and SunTrust Advisory Services. 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 guidance using multi-asset model portfolios, with centralized custody and operational support.

Rafael Cruz is a financial advisor at Charles Schwab with 21 years of industry experience and holds a Series 66 designation. His prior roles include positions at Clarfeld, Citizens Securities, Santander Securities, Amerant Investments, 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 operates a primarily non-discretionary client relationship model with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized custody and order-routing services.

Kimberly Gray is a financial advisor with Charles Schwab in Plantation, FL, holding a Series 66 designation and six years of industry experience. She has held roles at multiple financial institutions, including Bank of America, Merrill, and Mass Mutual. Kimberly also serves as an adjunct professor at Broward College, where she lectures on personal finance. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management and financial planning services.

Justin Di Gesu is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. His prior work includes roles at Charles Schwab Bank, Tropical Express Delivery, and Proudpapas, as well as a period devoted to full-time education. 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 both non-discretionary advisory relationships and access to discretionary separately managed accounts, combining a multi-asset portfolio approach with centralized custody and order-routing services.

William Weldon is a Personal Investment Advisor (PIA) with Merrill Lynch Wealth Management. In his role, he focuses on connecting clients to the people, plans, and processes that align with their individual financial goals. He works with clients on a range of personal objectives, including education funding, retirement planning, healthcare cost management, and long-term family financial strategies. William holds a Bachelor's Degree from the University of Dayton and a Master of Business Administration (MBA) from DePaul University. His approach emphasizes simplicity and transparency in wealth management, aiming to demystify the investment process while tailoring strategies to clients' unique perspectives and priorities.

John Norris is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., TD Ameritrade, Inc., and Scottrade Inc. throughout 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. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized, integrated operational structure.