Michael Forte is a financial advisor with Charles Schwab in Schaumburg, IL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Charles Schwab since 2002, including over two decades at 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 program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary advisory options supported by multi-asset model portfolios and centralized operational structures.

Natalia Peterson is a financial advisor at Charles Schwab with 3 years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab Bank, SSB since 2023. Her prior work experience includes roles at Actalent Services, KinderCare Learning Centers, and Walmart. Charles Schwab serves a large client base, 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 a centralized operational structure.

Timothy O'Callaghan is a financial advisor at Charles Schwab with 24 years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade for 20 years before joining Charles Schwab and Charles Schwab Bank. 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 and discretionary investment management, financial planning, and custody services. The firm is notable for its scale, integrated structure, and multi-asset model portfolio approach.

Rama Talwar is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and four years of industry experience. Their work history includes roles at Charles Schwab Premier Bank, Charles Schwab Bank, and Charles Schwab & Co., Inc., as well as two years with Anthony Fiorelli State Farm Agency. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through a 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, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Paraskevas Sellis is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes roles at TD Ameritrade Investment Management, TD Ameritrade, JP Morgan Chase Bank, and JP Morgan Securities. 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 affiliated discretionary separately managed accounts, supported by a multi-asset model portfolio approach and a formal alternative-investment due diligence process.

Luigi Auriemma is a financial advisor with Charles Schwab in Schaumburg, IL, holding a Series 66 designation and 21 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Fidelity Investments, U.S. Bancorp Investments, LPL Financial, and TIAA-CREF. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a range of advisory, brokerage, custody, and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and incorporates multi-asset model portfolios and alternative investment options.

Thomas Erffmeyer is a CFP® and Series 66 professional with 23 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2016. Outside of his advisory role, he is involved in training, showing, and breeding show horses through his business, Heartland Tradition LLC. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a blend of advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides both non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, supported by strategic asset allocation and alternative investment due diligence.

Emily Coughlin is a financial advisor with Charles Schwab, holding a Series 66 designation and beginning her advisory career in 2026. Her prior roles include positions at Federated Global Investment Management Corp and related Federated entities. Outside of advisory work, she has experience with organizations such as True Lacrosse and Pitt Sports Camps. Charles Schwab & Co., Inc. serves a large client base, 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 discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational structures.

Chad Agnew is a financial advisor at Charles Schwab with 25 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses and has worked at Charles Schwab and its affiliated entities since 2018, following previous roles at TD Ameritrade and Scottrade. Outside of his advisory role, he is licensed to umpire youth, little league, and high school baseball games. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals, offering a combination of wrap fee advisory programs, brokerage, custody, and cash-sweep services. The firm’s investment approach includes multi-asset model portfolios with both non-discretionary and discretionary management options, supported by research from the Schwab Center for Financial Research and a formal process for alternative investments.

Sebastian Radziszewski is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank SSB since 2023. Prior to his advisory career, he was involved with Delta Sigma Phi - Epsilon Kapp and completed full-time education through 2024. 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 related services. The firm provides a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Susana Martinez is a financial advisor with Charles Schwab in Schaumburg, IL, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. Her prior work includes roles at JP Morgan Chase Bank, Charles Schwab Bank, and TD Ameritrade. Outside of her advisory duties, she is the sole member of S2K, LLC, a non-investment-related entity. 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, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and a structured alternative-investment offering.

Sheila Gugliuzza is a CFP® and ChFC® with 29 years of experience in the financial services industry. She is currently with Charles Schwab in Schaumburg, IL, and has previously worked at TD Ameritrade, Financial Engines Advisors, and TIAA. Outside of her advisory role, she owns a rental services business in Maui. Charles Schwab 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 a combination of non-discretionary and discretionary investment models supported by centralized custody and order-routing, with a focus on multi-asset portfolios and alternative investments.

Brennan Miller III is a CFP® and holds a Series 66 license, with 19 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2008, totaling 18 years at the firm. 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 discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Josh Brown is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 designations and has been associated with Charles Schwab since 1997, including roles at Charles Schwab Bank and TD Ameritrade Inc. 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 management using multi-asset model portfolios and has a distinctive operational structure that combines advisory services with custody and brokerage functions.