Andrew Cap is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and 14 years of industry experience. His career includes roles at Charles Schwab Bank, Realty Income, and self-employment, with prior work in real estate-related businesses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and advisory infrastructure.

Nigeena Rahmanzai is a financial advisor at Charles Schwab with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab, TD Ameritrade, and Lexis Nexis. Outside of finance, she was involved with Black and Pink, an organization active during 2020 to 2022. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services with a blend of non-discretionary and discretionary investment options.

Johnny Aguilar is a financial advisor at Charles Schwab with one year of industry experience. Prior to joining Schwab in 2022, he spent several years in education and operated Janet's Cafe & Deli. 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, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

Kaseem Wisdom is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and eight years of industry experience. He previously worked at TD Ameritrade and Scottrade before joining Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB. 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 advisory guidance and access to discretionary separately managed accounts, using multi-asset model portfolios supported by centralized custody and order-routing systems.

Ron Roff is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Charles Schwab since 2009 and also works with Charles Schwab Bank since 2011. 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 provides custodial, brokerage, and cash-sweep services within an integrated operational structure.

Juan Fernandez is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior experience includes long tenures at E*TRADE Capital Management LLC and E*Trade Securities LLC, as well as a brief period at 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 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, supported by centralized custody and operational infrastructure.

Saul Serano is a financial advisor with Charles Schwab holding a Series 66 designation and 10 years of industry experience. His work history includes roles at TD Ameritrade from 2016 to 2022 and at Charles Schwab since 2022, currently based in San Diego, CA. 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, employing multi-asset model portfolios and a centralized operational structure.

Aysha Williams is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and seven years of industry experience. Her prior work includes roles at The Music Center and the University of California Los Angeles. 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 utilizes multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Nathan Fogleman is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. He previously worked at TD Ameritrade Investment Management, LLC, and Td Ameritrade, Inc. before joining Charles Schwab. 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 and offers a multi-asset investment approach supported by centralized operational and custody arrangements.

Christopher Banta is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several notable firms including Merrill Lynch, Bank of America, and PNC Investments. Prior to his financial career, he worked with the San Diego Unified School District and as a self-employed consultant. 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 services. The firm offers a combination of non-discretionary and discretionary investment management, supported by multi-asset model portfolios and centralized operational infrastructure.

Brian Mancuso is a CFP® with 29 years of industry experience, currently serving at Charles Schwab in San Diego, CA. He has been with Charles Schwab Bank SSb and Charles Schwab & Co, Inc. since 2006. 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 investment guidance and access to affiliated discretionary separately managed accounts, supported by a large client base and an integrated operational structure.

Maria Gallardo Gower is a financial advisor with Charles Schwab, holding a Series 66 designation and 13 years of industry experience. She has worked at Charles Schwab and Co., Inc. since 2022 and previously spent 11 years at TDAmeritrade Inc. in advisory roles. 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 management, using multi-asset model portfolios and a centralized operational structure.

Daliya Mansour is a financial advisor at Charles Schwab with six years of industry experience. She holds Series 66 and Series 63 licenses and has worked at major firms including J.P. Morgan Securities and Bank of America. Prior to her finance career, she was employed by the San Diego Unified School District. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by in-house research and alternative investment due diligence.

Brian Sward is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Charles Schwab in San Diego, CA. His work history includes roles at Charles Schwab Bank, Pro Unlimited, and Olatu S.L. He was also involved with APEX Fun Run Southern California in 2022. Charles Schwab & Co., Inc. serves a large client base primarily comprised 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 buy/sell recommendations and access to discretionary separately managed accounts using multi-asset model portfolios and a centralized operational structure.

Lesandro Mena is a financial advisor at Charles Schwab with 19 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2013. Charles Schwab & Co., Inc. serves a large client base, mainly 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 blend of non-discretionary investment guidance alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and an established alternative investments program.