Cynthia Mc Intosh is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and three years of industry experience. Her prior roles include positions at TD Ameritrade and Charles Schwab Bank. Outside of her financial career, she has owned Skullsoap Natural Bath LLC since 2010. 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 combines non-discretionary advisory with access to affiliated discretionary strategies and offers integrated custody and brokerage solutions.

Dennis Makus is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and six years of industry experience. He has worked with Charles Schwab Bank and Charles Schwab since 2022, and previously was at TD Ameritrade and CMMS. 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 multi-asset model portfolios and alternative investment due diligence.

Brock Hayward is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and two years of industry experience. Before joining Schwab, he held roles at Domino's and Walmart and spent over a decade in full-time education. 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 discretionary separately managed accounts and a formal alternative-investment platform.

Derrick Gipson is a PWM, Investment Management Consultant at Fidelity Investments. In his current role, he collaborates with clients and their Wealth Management Advisors to develop, implement, and monitor investment strategies tailored to long-term investment goals. Derrick has been with Fidelity Investments since 2011, holding various positions including Financial Representative, Investment Solutions Representative, Retirement Solutions Representative, Client Management Representative, and Portfolio Specialist prior to his current role. This progression reflects his extensive experience within the investment management field. No additional information regarding Derrick's education, credentials, personal interests, or community involvement was provided.

Michael Copeland is a financial advisor with Charles Schwab based in Westlake, TX, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2010 and at Charles Schwab Bank SSB since 2014. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wealth advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and delivers investment guidance through multi-asset model portfolios and alternative investment options.

Kelly Camarillo is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 designations and 13 years of industry experience. Prior to joining Schwab in 2020, Camarillo worked at USAA Investment Management Company and various USAA financial services divisions from 2017 to 2020, and at H.D. Vest Financial Services from 2014 to 2017. 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 delivers investment guidance via multi-asset model portfolios and offers both non-discretionary and discretionary advisory options within a large, integrated operational structure.

Christian Galland is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and having 18 years of industry experience. He has been with Charles Schwab since 2017 and previously worked at Scottrade from 2015 to 2017. 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 management, utilizing multi-asset model portfolios and a formal alternative-investment onboarding process.

Jonathan Red Fox is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade, Inc. and operated Joseph Red Fox LLC. Outside of his financial career, he is active in music as a DJ and producer. Charles Schwab serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary managed-account services alongside brokerage and custody solutions. The firm’s integrated model utilizes multi-asset portfolios and alternative investment options supported by centralized operations and research.

Michael Ritchie is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 designations and previously worked at TD Ameritrade for eight years before joining Schwab in 2024. 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 related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, providing multi-asset model portfolios and alternative investment options.

Nyarai Moore is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and 12 years of industry experience. She previously worked at Stifel and Wells Fargo before joining Charles Schwab in 2022. Outside of her advisory role, she has worked as a food delivery driver for Door Dash. 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 both non-discretionary and discretionary investment solutions, combining multi-asset model portfolios with centralized custody and order-routing operations.

Yujie Zhang is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. Zhang previously worked at TD Ameritrade from 2007 to 2017 and returned there from 2021 to 2024 before joining Charles Schwab in 2017. Charles Schwab serves a large client base 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 relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized operational and supervisory infrastructure.

Scott Ross is a Certified Financial Planner (CFP®) with 16 years of industry experience. He is currently with Charles Schwab in Westlake, TX, where he has worked since 2020. Prior to Schwab, he was with USAA in various financial planning and investment management roles 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 combines non-discretionary fiduciary advice with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized operational and research resources.

Charley Eubanks is a financial advisor at Charles Schwab with 23 years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade and SWS Financial Services. 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. Schwab offers both non-discretionary advisory recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Shawn George is a financial advisor with Charles Schwab, holding a Series 66 designation and four years of industry experience. His career includes roles at various Schwab entities as well as Bank of America, Merrill, Fidelity Investments, Frost Bank, and Exeter Finance. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, written advice policies, and centralized operational infrastructure.

Matthew Kuehler is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and five years of industry experience. His prior work includes roles at TD Ameritrade and various positions related to Texas A&M University and entrepreneurial ventures. 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, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. Schwab’s scale and integrated structure enable it to provide centralized custody, brokerage, and advisory services alongside a formal alternative investment platform.

Nicholas Wanzer is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has one year of industry experience. Prior to joining Schwab, he worked at Publix and spent several years in full-time education. 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. The firm combines non-discretionary advisory with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Erik Aaker is a financial advisor with Charles Schwab & Co., Inc. in Westlake, TX, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior experience includes more than two decades at TD Ameritrade and related entities. 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 with access to discretionary separately managed accounts, employing multi-asset model portfolios and comprehensive investment due diligence.

Taylor Wood is a financial advisor with Charles Schwab and holds a Series 66 designation. He has four years of industry experience, including prior roles at Amino Transport and Genuent. Wood is based in Westlake, TX. 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 supported by multi-asset model portfolios and centralized custody and supervisory arrangements.

Austin Ault is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and seven years of industry experience. He has been with Charles Schwab & Co., Inc. since 2018 and Charles Schwab Bank, SSB since 2021. Prior to his financial career, he worked in automotive sales and retail. 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 and discretionary investment guidance using multi-asset model portfolios and provides integrated brokerage, custody, and advisory services.

Karen Floyd is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 65 licenses and over 31 years of industry experience. Her prior work includes 12 years at TD Ameritrade. She serves as a board member for the non-profit Dance Theatre of Arlington. 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 approach supported by centralized operations and due diligence on alternative investments.