Cynthia Niesen is a CFP® and Series 66 credentialed financial advisor with 21 years of industry experience. She has worked at Charles Schwab Bank and Charles Schwab since 2020 and previously served in various roles at USAA Investment Management Company and USAA Financial Advisors from 2014 to 2020. She is based in Tampa, Florida. 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 employs a multi-asset model portfolio investment approach supported by centralized custody and operational infrastructure.

Kevin Whittington is a financial advisor with Charles Schwab & Co., Inc. in Tampa, FL, holding a Series 66 credential and 18 years of industry experience. His prior roles include positions at USAA Investment Management Company, USAA Financial Advisors, and Morgan Stanley. He serves as a board member of Deuce Scoreboards, LLC, a company involved in sports and physical recreation. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm provides a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and a centralized operational structure.

Matthew Cox is a financial advisor with Charles Schwab in Tampa, FL, holding a Series 66 designation and 18 years of industry experience. Prior to joining Charles Schwab in 2020, he worked with USAA Financial Advisors and USAA Financial Planning Services. He is actively involved in the Bayport Yacht Club, where he has held several leadership roles including Commodore and Fleet Captain. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, with a multi-asset model portfolio approach supported by centralized supervisory and custody services.

Christian Ellis is a financial advisor at Charles Schwab in Tampa, FL, with 12 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Charles Schwab since 2020. Prior to this, he was employed at USAA-related firms from 2014 to 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. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by centralized operations and a formal alternative investment process.

Mark Bolle is a financial advisor with Charles Schwab in Tampa, FL, holding a Series 66 designation and 27 years of industry experience. He previously worked at Northwestern Mutual Investment Services, LLC for 17 years before joining Charles Schwab in 2021. 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 a combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and a centralized operational structure.

Richard Berry is a CFP® professional with 20 years of industry experience, currently practicing at Charles Schwab. His prior experience includes roles at Fidelity Brokerage Services, Resource Securities LLC, Leader Capital Corp., Liccar Securities & Custodial Services, and LJM Partners Ltd. He is based in Tampa, FL. Charles Schwab serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a centralized operational platform.

Dean Huwe is a financial advisor with Charles Schwab & Co., Inc. in Tampa, FL, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior roles include positions at USAA Investment Management Company, USAA Financial Planning Services, USAA Financial Advisors Inc., Ameriprise Financial Services, Inc., Ameriprise Advisor Services, Inc., and Choreo, LLC. Charles Schwab & Co., Inc. serves a large client base mainly composed of high- and ultra-high-net-worth individuals, offering integrated advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab’s model combines primarily non-discretionary advisory relationships with access to discretionary separately managed accounts and centralized operational support.

Thomas Peel is a CFP® with 14 years of industry experience, currently serving at Charles Schwab in Tampa, FL. His career includes roles at Morgan Stanley, E*TRADE, and Fidelity, spanning advisory and brokerage services. 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 client relationships with access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Andrew Frank is a CFP® professional with nine years of industry experience, currently affiliated with Charles Schwab. His career includes roles at several major firms such as Bank of America, Merrill, Invesco, Mass Mutual, and Vanguard. Based in Tampa, FL, he has been with Charles Schwab since 2023. 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 solutions supported by integrated custody, brokerage, and advisory capabilities.

Silas Hudson II is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has worked at Charles Schwab since 2020 and previously held roles at USAA Investment Management Company and USAA Financial Advisors. Outside of advising, he is involved in real estate, buying and selling a few investment properties annually. 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 advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

Kristopher Horton is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at USAA in various capacities from 2013 to 2020. Outside of his advisory work, he manages a rental property on a long-term basis. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a centralized platform for custody, advisory, and brokerage services.