Robert Schott Jr is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with Charles Schwab and its affiliated bank since 2014 and 2015, respectively. 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 recommendations alongside access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Michael Walter is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2018, following prior roles at Bank of America N.A. and Merrill. 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 guidance and access to discretionary separately managed accounts, supported by a large-scale, integrated operational platform.

Benjamin Charney is a financial advisor with Charles Schwab in Santa Monica, CA, holding a Series 66 designation and four years of industry experience. He has been with Charles Schwab since 2021 and previously worked at Fortress Talent Management from 2015 to 2021. 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 and offers a multi-asset model portfolio investment approach supported by centralized custody and supervisory arrangements.

Jonathan Hernandez is a financial advisor at Charles Schwab with 10 years of industry experience. He holds a Series 66 designation and previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. He is based in Santa Monica, 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 advisory solutions supported by an integrated operational structure.

Teresa Patrick is a Financial Consultant currently working at Fidelity Investments since 2020. She has held several roles in the financial advisory field, including Director of Investments at Oppenheimer & Co. in 2020, Vice President Private Client Advisor at JP Morgan from 2019 to 2020, Financial Advisor at Cuso Financial from 2018 to 2019, and Financial Advisor at Eagle Strategies from 2009 to 2018. Her experience encompasses working with individuals in diverse financial circumstances, enabling her to provide tailored financial planning advice. Teresa adopts a holistic approach to support clients in creating personalized financial plans. She holds a California Insurance License. Outside of her professional work, Teresa has interests in comedy, cooking and baking, fitness, and exploring food.

Owen Kohler is a financial advisor at Charles Schwab with a Series 66 designation and no prior industry experience. His background includes roles outside finance, such as work at Rosewood Miramar Beach, Calamigos Ranch, and Wells Fargo. Charles Schwab serves a large client base of 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 model combines non-discretionary advisory relationships with access to affiliated discretionary strategies and alternative investment options.