Erin Pennix is a CFP® with eight years of industry experience, currently advising at Charles Schwab since 2023. Prior to Schwab, she worked at TD Ameritrade for six years and has experience in insurance and academic roles. 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 models with access to discretionary separately managed accounts and offers multi-asset model portfolios along with a formal alternative investments program.

Sterlin Arledge is a financial advisor with Charles Schwab, holding a Series 66 designation and 14 years of industry experience. His career includes roles at Merrill, TD Ameritrade, and Charles Schwab Bank SSB. 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 services supported by centralized custody and operational infrastructure.

David Surles Jr. is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 65 licenses and 11 years of industry experience. Before joining Schwab in 2020, he worked at USAA Investment Management Company and USAA Financial Advisors from 2014 to 2020. 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.

Joshua Braddy is a financial advisor with Charles Schwab holding a Series 66 designation and seven years of industry experience. His work history includes positions at Charles Schwab Bank SSB, Schwab Private Client Investment Advisory, J.P. Morgan Chase Bank, JP Morgan Securities LLC, Merrill, and Bank of America. He is based in Westlake, Texas. 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 managed-account and financial planning services. The firm offers a primarily non-discretionary client relationship model combined with access to discretionary separately managed accounts, employing multi-asset model portfolios and due diligence on alternative investments.

Stewart Flick is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade before joining 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 relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios, written advice policies, and a formal alternative-investment onboarding process.

Timothy Kohn is a financial advisor with Charles Schwab, holding CFP® and CFA® designations and over 25 years of industry experience. His career includes multiple roles within Charles Schwab and its affiliates, as well as positions at Arcus Capital Partners, Thomaspartners, and Windhaven Investment Management. He is based in Westlake, TX. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm’s integrated model includes both non-discretionary and discretionary investment options, supported by centralized operations and a formal alternative-investment platform.

Mark Elafros is a financial advisor at Charles Schwab with 15 years of industry experience. He holds a Series 66 designation and has worked previously at Brookstone Capital Management, American Trust Investment Services, and Ausdal Financial Partners. He is based in Westlake, TX. 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 discretionary separately managed accounts and offers a multi-asset, model portfolio investment approach supported by in-house research and a formal alternative-investment program.

Chase Maderious is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2022 and Charles Schwab Bank, SSB since 2024. His prior experience also includes roles at TD Ameritrade and Paddock Lane, as well as time spent at Texas A&M University. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research and a formal alternative-investment process.

Dominique Bess is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and three years of industry experience. Their work history includes roles at Charles Schwab Bank SSB since 2023, Charles Schwab since 2018, the University of Indianapolis, and Paychex. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and emphasizes a multi-asset model portfolio approach supported by extensive research and due diligence.

Hugo Roman Jr is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and five years of industry experience. His background includes six years at Charles Schwab & Co., Inc. and nine years working in pharmacy roles at Walgreens. 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 investment approach supported by research from the Schwab Center for Financial Research.

Bobby Needham III is a financial advisor at Charles Schwab with 14 years of industry experience. His previous roles include positions at Fidelity Investments and TD Ameritrade. He holds Series 63 and Series 66 designations. 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 multi-asset model portfolios and a formal alternative investment due diligence process.

Gerard Dillon is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at NYLIFE Securities LLC and New York Life Insurance Co. from 2007 to 2020. Dillon serves as a board member of the West Dallas Chamber of Commerce, where he supports mission-driven initiatives and manages the annual Art Walk West event. 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 blend of non-discretionary and discretionary investment guidance, multi-asset model portfolios, and a centralized operational structure supporting a large client base across multiple wrap programs.

Timothy Bielik is a financial advisor with Charles Schwab holding CFP® and CFA® designations and over 14 years of industry experience. His career includes roles at td ameritrade from 2011 to 2022 and at Charles Schwab since 2022, including Schwab Wealth Advisory Inc. from 2025 to 2026. He is based in Westlake, TX. 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 relationships with access to affiliated discretionary separately managed accounts and offers integrated brokerage, custody, and cash-sweep services.

Hector Lugo is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley and various Charles Schwab entities since 2015. 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 provides both non-discretionary and discretionary investment options, combining multi-asset model portfolios with alternative investment opportunities and centralized operational support.

Mohammad Barati is a financial advisor with Charles Schwab & Co., Inc. He holds Series 63 and Series 66 licenses and has two years of industry experience. Prior to joining Schwab, he worked at Penmark Transportation Inc. and Uber Technology Inc., and has additional work experience with Kentucky Fried Chicken. 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 relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized operational and supervisory systems.

David Morris is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade for seven years before joining Schwab. 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 using multi-asset model portfolios and provides centralized custody and operational support across a large client base.

Stephen Pullin is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and five years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and TD Ameritrade. Additionally, he has been involved with Jack Boles Services since 2014. 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 both non-discretionary and discretionary investment options, combining centralized custody and order-routing with a multi-asset model portfolio approach.

Nicolette Navarro is a financial advisor at Charles Schwab with 12 years of industry experience. She holds the Series 66 designation and has worked previously at Goldman Sachs, Ally Invest Securities LLC, and TD Ameritrade. Navarro 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 guidance using multi-asset model portfolios and maintains a large integrated operational structure.

Fei Dai is a CFP® with nine years of industry experience, currently serving as a financial advisor at Charles Schwab since 2022. Prior to Schwab, Fei worked at TD Ameritrade, Transamerica Financial Advisors, and World Financial Group. 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, offering a combination of non-discretionary and discretionary investment options supported by centralized custody and operational infrastructure.

Gregory Rine is a financial advisor at Charles Schwab with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at TD Ameritrade Investment Management and TD Ameritrade, Inc. from 2006 to 2024 before joining Schwab in 2022. 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 large-scale, integrated operational structure.