Javier Capetillo is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America Merrill Lynch, Mariner Wealth Advisors, and Regimen Wealth. Outside of his advisory work, he is a managing member of a rental property holding company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm focuses on asset allocation and investment selection using Charles Schwab’s proprietary research and models, with trades executed only upon client authorization.

Aaron Bowring is a financial advisor with Schwab Wealth Advisory Inc. in Atlanta, GA, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. He has worked with Charles Schwab & Co., Inc. since 2016, including roles at Charles Schwab Bank SSB prior to joining Schwab Wealth Advisory in 2026. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on proprietary asset-allocation models and research, delivering tailored recommendations without exercising discretionary trading authority.