Garrett Cypert is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab since 2013, including five years 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 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, utilizing multi-asset model portfolios and a centralized operational platform.

Christopher Eaton is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. Prior to joining Charles Schwab in 2018, he worked for FIDELITY Brokerage Services LLC for 13 years. 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 discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

George Gilham V is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 36 years of industry experience. He has worked with Charles Schwab for a total of 35 years, with a two-year gap in between. 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 a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Oscar Baum is a CFP® and Series 66-licensed advisor with five years of industry experience. He is currently with Charles Schwab, having worked there since 2020 in both Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. His prior roles include financial and academic positions at the University of Central Florida and a brief involvement with Pat's Liquor Leaf & Wine. Charles Schwab & Co., Inc. serves a large base of 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 guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and research-driven investment advice.

Jordan Benavides is a financial advisor at Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses with five years of industry experience. His prior roles include positions at Popp Hutcheson PLLC and the American Bank of Commerce. 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 offers multi-asset model portfolios supported by research and a formal alternative investment program.

Timothy Forrester is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2018, following three years at Wells Fargo Bank. Outside of his advisory role, he is the managing member of Villatic Holdings LLC, a dormant entity focused on future residential properties. 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 centralized custody and operational infrastructure.

Kathryn Buiel is a financial advisor at Charles Schwab with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Ryan, LLC, Pruco Securities, LLC, and Prudential Insurance Company of America. 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 discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Douglas Kennedy is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and seven years of industry experience. His work history includes roles at Charles Schwab Bank, SSB and Charles Schwab, along with prior experience at Cabelas Outfitters. He has served in the Oklahoma National Guard since 2016. 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 advisory relationships and access to discretionary separately managed accounts, supported by a large integrated operational structure.

Lilly Le is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and has worked in various roles including positions at Charles Schwab, TD Ameritrade, and Bath & Body Works. Prior to her advisory career, she was involved in small business ventures such as Mr. Hibachi LLC and Crab Station. 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 with centralized custody and operational support.

James Ceman is a financial advisor with Charles Schwab in Westlake, TX, holding the ChFC® designation along with Series 63 and 66 licenses. He has eight years of industry experience, including five years at TDAmeritrade and four years at Charles Schwab. Prior to his financial services career, he held positions with Door Dasher, Lyft, and Hadaway Towing. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary advice and access to discretionary separately managed accounts. The firm’s scale and integrated structure provide centralized custody and trading with a client relationship model combining written guidance and optional discretionary management.

Estevan Troche is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and six years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., TD Ameritrade, and several other firms. Outside of his advisory work, he provides DJ services for weddings and private events on weekends. Charles Schwab & Co., Inc. 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, combining non-discretionary advisory relationships with access to discretionary separate managed accounts and a formal alternative-investment platform.

Mark Pedersen is a financial advisor with Charles Schwab in Westlake, TX, holding Series 65 and Series 66 licenses and bringing 21 years of industry experience. He previously worked at TD Ameritrade for 12 years before joining Charles Schwab in 2021. Outside of finance, he coordinates shipping operations for an aerosol mold release product through a chemical manufacturing and logistics business. Charles Schwab 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 mix of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and a centralized operational structure.

Jason Dittfurth is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Charles Schwab. His prior roles include positions at USAA financial planning services and Usaa Investment Management Company. Outside of finance, he owns Aggressive Threads, a clothing and textile manufacturing business specializing in screenprinting. 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 mix of non-discretionary and discretionary investment management, using multi-asset model portfolios and providing centralized supervisory and custody services.

Cho Fei Huang is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Fidelity Investments, TD Ameritrade, and Wells Fargo Bank. 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 discretionary separately managed accounts and offers a centralized operational structure.

Seth Hensley is a financial advisor with Charles Schwab & Co., Inc. He holds Series 63 and Series 66 licenses and has four years of industry experience. His prior work includes roles at TD Ameritrade and several service and logistics companies. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary advisory services and access to discretionary separately managed accounts with a focus on multi-asset model portfolios and integrated investment solutions.

Aaron Scheid is a financial advisor with Charles Schwab, holding Series 63 and Series 65 designations and 26 years of industry experience. He has previously worked at TD Ameritrade and Scottrade, with a combined eight years at those firms before joining Charles Schwab in 2018. He is based in Westlake, Texas. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios, with centralized supervisory and custody arrangements.

Jeffrey Lambeth is a financial advisor with Charles Schwab in Westlake, TX, holding CFP®, Series 63, Series 65, and Series 66 designations and bringing 35 years of industry experience. He has worked at Charles Schwab since 2021 and previously held positions at JP Morgan Chase and TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its integrated Schwab Wealth Advisory program and affiliated managed accounts.

Austin Cole is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and six years of industry experience. He has worked at various roles within Charles Schwab entities since 2018 and had brief positions outside the financial sector, including at Amante Coffee and Suit Supply. 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 both non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Christopher Jones is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at TD Ameritrade Investment Management, LLC and TD Ameritrade, Inc. before returning to Charles Schwab. 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 combines non-discretionary advisory models with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research.

Frank Reed is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and nine years of industry experience. His prior roles include positions at Fidelity Investments, Legacy Wealth Management, and managing STGB Restaurants for over a decade. 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 investment recommendations and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.