Stephen Tapp is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Waterhouse Investor Services Inc for 15 years before joining Charles Schwab in 2021. Outside of his advisory role, he is a self-employed fine artist who occasionally sells paintings. Charles Schwab 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 with integrated brokerage, custody, and financial planning services.

Erin Marshall is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She joined Charles Schwab in 2019 after four years with Prospera Financial Services, Inc. Outside of her advisory work, she serves as a parliamentarian on the Shawnee Trail Elementary School PTA Board in Frisco, TX. 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, offering both non-discretionary and discretionary investment options.

Joshua Doyle is a financial advisor at Charles Schwab with CFP® certification and Series 63 and 66 licenses. He has four years of industry experience, having worked previously at TD Ameritrade, Fidelity Investments, and Cintas. His current role 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 advisory guidance and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Justin Garza is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and four years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2022 and Charles Schwab Bank since 2024. Prior to joining Schwab, he held positions at H-E-B, LP and Sunbelt Supply LLC. 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 separate managed accounts, supported by a large-scale, integrated operational structure.

Rachel Johnson is a financial advisor at Charles Schwab with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2017, following a year at Fidelity Brokerage 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. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operations.

Floyd Jaundoo is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and approximately four years of experience in the industry. His work history includes roles at Charles Schwab Bank, Apple, Sunglass Hut, and the company Take It Easy. 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, written advice policies, and alternative investment options through a centralized and integrated operational structure.

Martin Albarran is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and one year of industry experience. His prior work includes positions at Bank of America and City National Bank, as well as roles outside finance at Marathon Petroleum and Panda Express. 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 options, utilizing multi-asset model portfolios and a centralized operational structure.

Michael Malone is a financial advisor with Charles Schwab & Co., Inc. in Westlake, TX, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He previously worked at TD Ameritrade from 2016 to 2022. 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 mix of non-discretionary and discretionary investment solutions with a multi-asset model portfolio approach supported by centralized operational and supervisory infrastructure.

John Ehlers is a financial advisor at Charles Schwab with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Charles Schwab and its affiliated entities since 2018, including TD Ameritrade from 2006 to 2024. 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 offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and alternative investment options within a large, integrated operational structure.

Lonya Mull is a Private Wealth Management (PWM) Investment Management Consultant at Fidelity Investments, a role she has held since 2021. In this capacity, she collaborates with clients and their Wealth Management Advisors to implement investment strategies that support clients' visions and goals across multiple accounts. Her career in financial services spans over two decades, with extensive experience at Fidelity Investments since 2009. Prior to her current role, she served as Senior Portfolio Specialist, Portfolio Specialist, Client Management Representative, Retirement Solutions Representative, Investment Solutions Representative, and Financial Representative. Before joining Fidelity, she held various positions at First Tennessee Bank, including Certified Financial Planner, Financial Paraplanner, Stock Option Administrator, and Benefits Specialist. She also worked as a Senior Banking Coordinator at Sedgwick Claims Management Services in 2008. The information provided does not include details regarding her education or personal interests.

Gary Brown is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Investments and AmeriSave Mortgage Corporation. Outside of his advisory role, he co-owns an e-commerce business that sells printed apparel and assists with bookkeeping for a family construction business. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account services, offering a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Ashley Tumlinson is a financial advisor at Charles Schwab & Co., Inc. with four years of industry experience. She holds the Series 66 designation and has previously worked at TD Ameritrade Clearing, Inc. and Fidelity Investments. 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 investment guidance and access to discretionary separately managed accounts, supported by a large integrated structure and centralized operational platform.

Ethan Christian is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to his current role, he spent several years 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. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Jordan Barta is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 designations. Prior to his current role, he worked at TD Ameritrade for three years. 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Zachary Jones is a CFP® with seven years of experience in the financial services industry. He is currently with Charles Schwab, where he has worked since 2019 in various capacities including at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. Outside of his advisory role, he owns and operates a vending machine business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advice and access to discretionary separately managed accounts.

Mei Decicco is a financial advisor with Charles Schwab, holding a Series 66 designation and 23 years of industry experience. Her work history includes roles at TD Ameritrade Inc., self-employment, and Charles Schwab, where she has been since 2019. She is based in Westlake, TX. 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 advice and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and due diligence on alternative investments.

Ramon Hernandez is a CFP® certified financial advisor with 15 years of industry experience. He is currently with Charles Schwab, having previously worked at Fisher Investments and TD Ameritrade in various roles. Hernandez holds Series 63 and Series 66 licenses. 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 options, utilizing multi-asset model portfolios, strategic asset allocation, and a comprehensive due diligence process for alternative investments.

Bikash Shah is a financial advisor at Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses with three years of industry experience. His prior roles include positions at TD Ameritrade and J.P. Morgan Chase. 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 features a formal alternative investment onboarding process.

Lawrence Ambe is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 designations and 20 years of industry experience. He previously worked at TD Ameritrade, Inc. for 18 years before joining Charles Schwab in 2023. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management supported by a multi-asset strategic allocation approach and centralized operational infrastructure.

Brennan Mahan is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and affiliated entities since 2021. Prior to his advisory roles, his background includes positions in various service and retail companies. 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 and discretionary investment options, supported by centralized custody and operational resources.