Matthew Smith is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and with 12 years of industry experience. He has worked at Charles Schwab since 2013 and at Charles Schwab Bank since 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 offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, leveraging multi-asset model portfolios and centralized operational support.

Catherine Deane Gong is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and eight years of industry experience. Her background includes roles at TD Ameritrade and Charles Schwab Bank, with prior involvement in community and athletic organizations such as the Guadalupe-Nipomo Dunes Center and Cal Poly Athletics. 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 options, utilizing multi-asset model portfolios and a centralized operational structure.

Jeffrey Bowden is a financial advisor at Charles Schwab in San Francisco, CA, with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and TD Ameritrade. Prior to his financial services career, he held various roles in hospitality and food service businesses. 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 a formal alternative-investment onboarding process.

Ashley Cosio is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to joining Schwab, she worked at the University of California and Starbucks. She is based in San Francisco, 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Anthony Zeller is a financial advisor at Charles Schwab in San Francisco, CA, holding a Series 66 designation with 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2007. Outside of his advising role, he participates as a diver in search and recovery operations with the Alameda County Sheriff's Office Dive Team. 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 guidance using multi-asset model portfolios and centralized operational support.

Jubisa Montes is a financial advisor at Charles Schwab with 10 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2015 and 2016, respectively. 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 advice and discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment onboarding process.

Michael Davis is a financial advisor at Charles Schwab with 29 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 1999. Outside of his advisory role, Davis serves as an advisory board member at Wichita State University, contributing to curriculum development and student recruitment efforts. 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 offers both non-discretionary and discretionary investment guidance, employing multi-asset model portfolios and a centralized operational structure.

Aminta Romero Dunkle is a financial advisor at Charles Schwab with nine years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2017. Prior to Schwab, she was employed at DZH Phillips, LLP and Allegory, Inc. 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 centralized custody and operational infrastructure.

Richard Kahan is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has worked at Charles Schwab Bank, SSB and Charles Schwab & Co. Inc. since 2010. Outside of his advisory role, he participates as a team representative in the Marin Coed Soccer League. 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 mix of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and centralized operational capabilities.

Gloria Lai is a financial advisor at Charles Schwab with a Series 66 designation and over 16 years of experience in the financial services industry, including prior roles at First Republic Bank and JPMorgan Chase. She has been with Charles Schwab since 2025. 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 advisory services and access to discretionary separately managed accounts, supported by a large-scale, integrated operational structure.

Gerald Cloney is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and possessing 27 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2003 and Charles Schwab Bank since 2008. 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 models with access to discretionary separate managed accounts and employs a multi-asset investment approach supported by centralized operational and custodial services.

Mark Anderson is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. His prior work includes roles at Janney Montgomery Scott and Merrill. Anderson has been with Charles Schwab and its affiliated entities 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 a mix of non-discretionary and discretionary investment approaches, utilizing multi-asset model portfolios and a centralized operational structure.

Kenneth Yu is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., Citibank, and Macy's. 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 provides both non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and offering centralized custody and order-routing arrangements.