Benjamin Northam is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and one year of industry experience. His prior roles include positions at State Bank of DeKalb and Cadence Bank, along with contract work and various employment in 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, offering both non-discretionary and discretionary investment options supported by centralized custody and operational infrastructure.

Izella Anderson is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and 21 years of industry experience. Her prior roles include positions at Merrill, Bank of America, and JP Morgan. Outside of her advisory work, she is involved in community and educational boards, including the Jonsson Schools Council and the Advisory Board of Booker T Washington High School. 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 guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational resources.

Keliimakanoe Rain is a CFP® professional with 23 years of industry experience, currently advising at Charles Schwab. Prior to joining Schwab in 2022, Keliimakanoe worked for TD Ameritrade from 2006 to 2022. 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 separately managed accounts and offers a range of multi-asset model portfolios and alternative investment options.

Juan Camarillo is a CFP®-designated financial advisor at Charles Schwab with 10 years of industry experience. He previously worked at TIAA and TIAA-CREF in private asset management roles for a combined nine years. 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 centralized custody and due diligence on alternative investments.

Jonathan Rogers is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Before joining Charles Schwab and Charles Schwab Bank, SSB in 2020, he worked at Hilltop Securities Inc. for eight 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. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by Schwab Center for Financial Research due diligence.

Zadie Ramirez is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Charles Schwab, she worked at Casa de Clase and Simplified Title Company and has several years of experience in education. Outside of her advisory role, Ramirez is involved in non-agent real estate as a landlord. 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 and discretionary investment management with a multi-asset model portfolio approach and centralized operational structure.

Carolyn Gallagher is a financial advisor at Charles Schwab with 12 years of industry experience. She holds a Series 66 credential and previously worked at TD Ameritrade for 18 years before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary investment guidance and access to discretionary separately managed accounts. The firm provides integrated brokerage, advisory, custody, and cash management services supported by a centralized operational structure.

Douglas Graham is a financial advisor with Charles Schwab who holds a Series 66 designation and has 10 years of industry experience. He previously worked at TD Ameritrade for eight years before joining Charles Schwab in 2022. Outside of his advisory role, he serves in public affairs for the Texas Air National Guard and holds board positions with Ballet Concerto and Literacy United, both nonprofit organizations focused on education. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wealth advisory, brokerage, custody, and financial planning services through its integrated, multi-asset investment platform and wrap fee programs.

Kurtis Freeman is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He previously worked at TD Ameritrade for 15 years before joining Schwab in 2022. Outside of his advisory role, Freeman serves as a pastor for a newly formed church in Fort Worth, Texas, in an unpaid, voluntary capacity. 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 offers a mix of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational support.

Richard Woods is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 66 licenses. Prior to his current role, he worked at Charles Schwab Bank, SSB, and has experience outside finance including leadership at Alliance Community Fellowship and a long tenure with TravelHost Magazine. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and cash-sweep services through its integrated Schwab Wealth Advisory program and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides multi-asset model portfolios supported by its research and due diligence capabilities.

Francisco Sillas is a financial advisor with Charles Schwab in Westlake, Texas, holding Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab, and TD Ameritrade, as well as service in the United States Marine Corps. 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 affiliated discretionary separately managed accounts and offers a range of multi-asset model portfolios supported by research and centralized operational infrastructure.

William Kaiser is a CFP® and PFS™ with 29 years of industry experience. He is currently affiliated with Charles Schwab, where he has worked since 2021, following a decade at Bgemd Capital Advisors, 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 and discretionary investment guidance, leveraging multi-asset portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Sihai Li is a financial advisor at Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses with two years of industry experience. Prior to Charles Schwab, Li worked at Tailored Management and World Financial Group, and has a background in supply chain management at Jiangsu JinmaoChuangyuan Supply Chain Management. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized operational and supervisory arrangements.

Nicholas Burgess is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and four years of industry experience. He has held positions at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2022. Prior to his financial services career, he worked in the restaurant industry at Chuy's and Fresco's Cocina Mexicana. 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 multi-asset model portfolios and due diligence on alternative investments.

Jason Mars is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including Fidelity, Capital One Investing, and Wells Fargo, before joining Charles Schwab in 2019. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment solutions with integrated brokerage, custody, and financial planning services.

John Lotz is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 65 credentials. Prior to his current roles at Charles Schwab Trust Bank, Premier Bank, Charles Schwab Bank, and Charles Schwab & Co., Inc., he worked for three years at the Texas Juvenile Justice Department. 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’s investment approach includes multi-asset model portfolios, access to discretionary separate managed accounts, and a centralized operational structure combining advisory, brokerage, custody, and cash-sweep services.

Dawn Buscher is a financial advisor at Charles Schwab with 32 years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Her prior experience includes roles at The Vanguard Group 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, combining a multi-asset model portfolio approach with alternative investment options and integrated custody and brokerage services.

Chandler Watkins is a financial advisor at Charles Schwab with one year of industry experience. He holds Series 63 and Series 66 designations. His prior work experience includes roles at UPS, Raising Cane's, Amazon, and TTU Library. 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 advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from its Center for Financial Research.

Aleyda Kathuroju is a Series 66-licensed financial advisor with Charles Schwab, based in Westlake, TX, and has three years of industry experience. Her prior work includes roles at Charles Schwab Bank and in the education sector with Fort Worth ISD and Dallas ISD. 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 comprehensive due diligence on alternative investments.

Erika Britton is a financial advisor at Charles Schwab with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2018. Prior to that, she was associated with Northwestern Mutual Investment Services LLC and Ben Henderson. Charles Schwab & Co., Inc. primarily serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and centralized custody and operational support.