Joseph Williams is a financial advisor with Charles Schwab in Santa Rosa, CA, holding Series 63, 65, and 66 licenses and having six years of industry experience. He previously worked at Exchange Bank and SoFi Lending Corp before joining Charles Schwab in 2021. Outside of his advisory role, he is involved in managing a rental services business that hosts small gatherings and events. 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 a centralized custodial and supervisory structure.

Pamela Menendez 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 Bank, SSB, and Charles Schwab & Co., Inc. since 2023. Outside of her advisory role, she owns PM Janitorial Services, a cleaning business. 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 offers a multi-asset investment approach supported by in-house research and alternative investment options.

Nicholas Bobroff is a CFP® professional affiliated with Charles Schwab, with two years of industry experience. His prior roles include positions at Spectrum Financial Management, MGO Private Wealth, and Eckhoff Wealth Management. Outside of finance, he assists with organic certification and record keeping for Boldrini Dairy. 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 solutions supported by multi-asset model portfolios and centralized operational structures.

Blake Watts is a financial advisor with Charles Schwab, holding Series 66 and Series 63 designations and seven years of industry experience. His prior roles include positions at American AgCredit and Stockpile Investments. He is based in Santa Rosa, California. Charles Schwab 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’s model emphasizes primarily non-discretionary advisory relationships combined with access to discretionary separately managed accounts and a structured approach to alternative investments.

Patrick Bentivegna is a financial advisor with Charles Schwab in Santa Rosa, CA, holding Series 63 and Series 66 licenses and having 31 years of industry experience. He has been with Charles Schwab since 1994 and Charles Schwab Bank since 2008. Outside of his advisory role, he is involved in real estate in Petaluma, California, where he owns a property that he rents out. Charles Schwab & Co., Inc. primarily serves 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 solutions, combining comprehensive advisory, brokerage, custody, and cash-sweep services within an integrated operational platform.

Kenneth Lazzini is a financial advisor with Charles Schwab in Santa Rosa, CA, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at Cambridge Investment Research Advisors, Waddell & Reed, and various insurance carriers. He has been with Charles Schwab and its affiliated entities since 2018. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through wrap fee programs and managed-account services. The firm offers both non-discretionary advisory guidance and access to discretionary separately managed accounts, combining multi-asset model portfolios with centralized custody and operational support.

David Devincenzi is a financial advisor with Charles Schwab who holds Series 63 and Series 65 licenses and has 28 years of industry experience. He has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank since 2018 and previously held positions at AIG SunAmerica and its capital services division. Outside of advisory roles, he was involved with Riverfront Fitness Gym from 2016 to 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and uses a multi-asset model portfolio approach supported by research and due diligence.

Biscain Mora is a financial advisor with Charles Schwab in Santa Rosa, CA, holding a Series 66 designation and three years of industry experience. Prior to Schwab, Biscain worked at Patelco Credit Union, Bank of the West, and Santa Rosa Junior College. Outside of financial services, Biscain has experience in the food service industry, having worked at Round Table Pizza. 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 services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and comprehensive due diligence on alternative investments.

Marc Vera is a financial advisor at Charles Schwab with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab and Charles Schwab Bank since 2012. Outside of his advisory role, he is involved in the ownership and maintenance of a rental property in Santa Rosa, California. 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, offering multi-asset model portfolios and a centralized operational structure.

Matthew Taylor is a financial advisor with Charles Schwab in Santa Rosa, CA, holding Series 65 and Series 63 credentials and 19 years of industry experience. His prior work includes roles at Pruco Securities, Prudential Insurance Company of America, Raymond James Financial Services, Montgomery Taylor Wealth Management, Patelco Financial Solutions, and Social Finance. Charles Schwab & Co., Inc. serves a broad 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, combining centralized custody and advisory services with multi-asset model portfolios and alternative investment due diligence.

Jeffrey Cote is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab & Co., Inc. since 2009. Outside of his financial career, he is active as a local theater performer and serves on the board of the 6th Street Playhouse in Santa Rosa, 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 discretionary separately managed accounts and offers a multi-asset strategic investment approach supported by centralized custody and operational infrastructure.

Steven Townsend is a financial advisor with Charles Schwab, holding a Series 63 designation and bringing 33 years of industry experience. He has been with Charles Schwab since 2000 and also works at Charles Schwab Bank since 2005, both located in Santa Rosa, California. 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 models with access to discretionary separately managed accounts and operates a centralized, integrated platform for advisory, brokerage, and custody services.

Steven Krikac is a CFP® professional with 21 years of industry experience, currently serving at Charles Schwab in Santa Rosa, CA. His prior roles include positions at Citigroup and Wells Fargo in both advisory and banking capacities. Outside of his financial advisory work, he occasionally acts as a notary for non-Schwab documents. Charles Schwab & Co., Inc. 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 and discretionary investment management solutions supported by multi-asset model portfolios and a formal alternative-investment process.