Melissa Wong is a financial advisor at Charles Schwab with five years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2020. Prior to her current role, she worked at the US Census Bureau and the British Consulate-General in San Francisco. Charles Schwab 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 relationships and access to discretionary separately managed accounts, supported by integrated brokerage, custody, and research resources.

David Hines is a CFP®-certified financial advisor with 12 years of industry experience, currently serving clients at Charles Schwab. He has been with Charles Schwab & Co., Inc. since 2014 and Charles Schwab Bank, SSB since 2016, both located 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 and discretionary investment options, integrating multi-asset model portfolios, alternative investments, and centralized custodial and brokerage services.

Janet Chan is a financial advisor with Charles Schwab, holding a Series 66 designation and 14 years of industry experience. She has been with Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2012. 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 options, leveraging multi-asset model portfolios and alternative investment programs within an integrated operational structure.

Steven Silver is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2012. Outside of his advisory role, he is involved in real estate property management. Charles Schwab 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 strategies supported by centralized operational infrastructure and multi-asset model portfolios.

Rhyan Politano is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors and Wells Fargo Clearing prior to joining Charles Schwab in 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 a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Angela Wong is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She previously worked at PRUCO Securities, LLC for six years before joining Charles Schwab Bank and Charles Schwab in 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. Schwab’s integrated model combines non-discretionary advisory services with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Sara Balk is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2024. Prior to joining Schwab, she held positions at Equinox, Chapman University, Sur La Table, and Nekter Juice Bar, alongside several years in education. 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 a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and access to alternative investments within an integrated, large-scale operational structure.

Rory Laczkowski is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Charles Schwab since 2000 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 offers a combination of non-discretionary investment recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.

Jingfeng Liao is a financial advisor with Charles Schwab in San Francisco, holding a Series 66 designation and 16 years of industry experience. Prior to joining Charles Schwab and Charles Schwab Bank, SSB in 2022, he worked at HSBC Bank USA and HSBC Securities (USA) from 2016 to 2022. Outside of his advisory role, he serves as a caregiver to a family member. 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 options, combining model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Rosalind Van Auker is a financial advisor at Charles Schwab with a Series 66 designation and less than one year of industry experience. Her prior work includes roles in education and business ventures such as Backyard Bowls. 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 offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Carolyn Chan is a CFP® and holds a Series 66 license with 10 years of industry experience. She is currently with Charles Schwab in San Francisco, where she has worked since 2018, including previous roles at Merrill and UBS Financial Services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment options supported by multi-asset model portfolios and alternative investment due diligence.

Philip Choi is a financial advisor at Charles Schwab with 28 years of industry experience. He has been with Charles Schwab since 1997 and has also worked at Charles Schwab Bank SSB since 2005, while operating as self-employed since 2011. Choi holds Series 63 and Series 66 licenses. Outside of his advisory role, he serves on the board of directors for the Kong Chow Benevolent Association and is a member of the Board of Trustees for San Francisco Chinese Hospital, both nonprofit organizations serving the San Francisco community. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by a large integrated infrastructure and centralized operational model.

Zhi Yong Yang is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Fidelity Investments, Keller Williams, and Sotheby's International Realty. Yang serves as a board member of the San Francisco Chinese Chamber of Commerce, participating in community and cultural initiatives. Charles Schwab & Co., Inc. primarily serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, providing both non-discretionary and discretionary investment services that combine brokerage, custody, and financial planning with access to alternative investments.

Daniel Miller is a Series 66-credentialed financial advisor at Charles Schwab in San Francisco, CA, with one year of industry experience. His prior roles include positions at Celigo, Emergence, and Doma, as well as periods dedicated to extended travel. 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 a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Andy Chan is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at First Republic Bank and JPMorgan Chase in various capacities. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Wealth Advisory wrap fee program and affiliated managed-account solutions. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by comprehensive research and due diligence.