Xinran Liu is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 66 designations and previously worked at DriveWealth, 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’s investment approach combines non-discretionary guidance with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and due diligence on alternative investments.

Shea Southers is a financial advisor with Charles Schwab & Co., Inc. based in Westlake, TX. He holds Series 63 and Series 65 licenses and has five years of industry experience. Prior to joining Charles Schwab in 2021, he held various roles including positions at Covenant Christian Academy, Mutual of Omaha, and Abilene Christian University. 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 and discretionary investment options supported by multi-asset model portfolios and extensive research capabilities.

Kent Walker is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TD Ameritrade and The Prudential Insurance Company of America. Charles Schwab & Co. 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, utilizing multi-asset model portfolios and a structured approach to alternative investments.

John Bergeron is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and seven years of industry experience. Prior to joining Schwab in 2019, he worked at TD Ameritrade and Northwestern Mutual. His background also includes experience at BBRG/Brio Tuscan Grille. 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 options supported by strategic asset allocation and centralized custody and brokerage services.

Caleb Conrad is a financial advisor at Charles Schwab with one year of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Charles Schwab, he worked in education for nine years and has experience in entrepreneurial and apparel-related ventures. 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 centralized operational structure and a multi-asset investment approach.

Joseph Calvo is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Charles Schwab since 2019, including time at Charles Schwab Bank, SSB. Outside of his advisory role, he provides delivery services for Door Dash. 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, offering both non-discretionary and discretionary investment options along with integrated custody and brokerage services.

Ogert Kraja is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and 16 years of industry experience. He previously worked at TD Ameritrade and Farmers Financial Solutions. Outside of finance, he is co-owner of Illyrian Importers, LLC, a business involved in the import of wines from Eastern Europe. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, combining brokerage, advisory, and custody services with both non-discretionary and discretionary investment options.

Dominic Anderson is a CFA® charterholder and holds the Series 66 designation, with 15 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank, SSB since 2015. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by in-house research and due diligence.

Rhea Jizette Moss is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and seven years of industry experience. She has worked at Charles Schwab since 2020 and previously at TD Ameritrade, with earlier roles outside the financial sector. Moss is a consultant for Accelerate Learning Inc., an educational provider, and a co-owner of a party equipment rental company. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account services, combining non-discretionary advice with access to discretionary separately managed accounts and a range of integrated investment and custody solutions.

Riley Blankman is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including TD Ameritrade and American National Bank. 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 both non-discretionary and discretionary investment options supported by multi-asset model portfolios and a centralized operational structure.

Andrew Robinson is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at TD Ameritrade and the House of Representatives. 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 models with access to discretionary separately managed accounts and a structured due diligence process for alternative investments.

Ryan Cleaveland is a financial advisor with Charles Schwab possessing 19 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Fidelity Investments, TD Ameritrade, and ADP. He has been with Charles Schwab and Charles Schwab Bank since 2018. 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 advisory services and access to discretionary separately managed accounts. The firm is notable for its scale, integrated operational structure, and multi-asset model portfolio investment approach.

Bleshia Norman is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 credentials and having 11 years of industry experience. She has worked at Charles Schwab since 2020 and previously at TD Ameritrade from 2014 to 2020. Outside of her advisory role, she has worked as an Amazon Prime delivery driver during peak holiday periods. 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 related managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options supported by centralized custody and a distinctive operational structure.

Kimberly Davis is a financial advisor at Charles Schwab with 15 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at J.P. Morgan Securities, Cole-Laborate, and TD Ameritrade investment and financial services firms. 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, financial planning, and brokerage services within an integrated platform.

Justin Kitchens is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 credentials and having 10 years of industry experience. His prior roles include positions at TD Ameritrade, NYlife Securities LLC, and New York Life Insurance Company. 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 solutions, combining multi-asset model portfolios with centralized custody and order-routing services.

Jenna Sustaita is a financial advisor at Charles Schwab with 18 years of industry experience. She holds the Series 63 and Series 66 credentials and has worked with Schwab Retirement Plan Services, Inc. and Charles Schwab since 2016. 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 and discretionary investment guidance, leveraging multi-asset model portfolios and a centralized operational structure.

Omar Benmansour is a CFP® professional with 18 years of experience in the financial industry. He has worked at Charles Schwab & Co., Inc. since 2018 and previously held positions at Fidelity Investments and Chase Investment Services Corp. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management options. The firm combines brokerage, custody, and advisory services with an integrated operational structure supporting a large client base.

Travis Beaver is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and having five years of industry experience. Prior to joining Schwab in 2024, he worked at TD Ameritrade from 2020 to 2024 and has held roles across various sectors including service and hospitality. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary investment guidance and access to discretionary separately managed accounts using multi-asset model portfolios and centralized custody and brokerage services.

Johnathan Morales 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 in 2023, his work history includes service in the United States Navy and roles in various local organizations. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, and custody services through its integrated Schwab Wealth Advisory program. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized operational infrastructure.

Michele Thompson is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 65 credentials and over 31 years of industry experience. Her prior roles include two decades at PRUCO Securities and seven years at TD Ameritrade. She receives residual compensation from insurance referrals through outside business activities related to health and other insurance. 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 advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational capabilities.