Kenneth Zimmer is a CFP® with 25 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. in Chicago. He has held roles at Charles Schwab & Co., Inc. and Charles Schwab Bank SSB, and previously worked at MML Investors Services and Mass Mutual Life Insurance Company. Zimmer also has experience as an independent insurance agent, receiving residual commissions from prior policies though he is not actively soliciting insurance outside of Schwab. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standard asset-allocation models and internal research tools, with an emphasis on client authorization for trades and at-least-annual reviews tailored to individual goals and risk tolerance.

Firoz Vohra is a CFP® professional at Schwab Wealth Advisory with 11 years of industry experience. He has worked at several major firms, including Merrill, Bank of America, Morgan Stanley, and J.P. Morgan Securities. Vohra has been with Charles Schwab and its affiliated advisory firm since 2021. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach is based on proprietary asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Jacquelyn Coleman is a financial advisor at Schwab Wealth Advisory with 16 years of industry experience. She holds the Series 63 and Series 65 licenses. Her prior experience includes roles at Northwestern Mutual Investment Management and Charles Schwab. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations. The firm’s advice is driven by Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to each client’s goals and risk tolerance.

Jason Miller is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including JPMorgan Securities LLC and Principal Life Insurance Company. Miller serves as treasurer of the St. Mary School Mokena IL Athletic Board. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s advice is based on standard asset-allocation models and internal research tools, offering guidance on asset allocation and investment selection without exercising discretionary trading authority.

Michalis Kritikos is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including TD Ameritrade, Charles Schwab & Co., and Allstate. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, utilizing asset allocation models and research tools tailored to individual goals and risk tolerance. The firm emphasizes client authorization for trades and offers separately managed accounts overseen by third-party or affiliated money managers.

Auddie Cousins is a Series 66-registered advisor at Schwab Wealth Advisory with one year of industry experience. Prior to joining Schwab, Cousins worked at Fidelity Investments and held roles in various other industries including health science and hospitality. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on proprietary asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Alan Kurt is a CFP®, CFA®, and Series 66 registered advisor with 19 years of industry experience. He is currently with Schwab Wealth Advisory, Inc., having joined in 2026. His prior experience includes roles at J.P. Morgan Securities LLC, Chase Investment Services Corp., and UBS Financial Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and research tools. The firm emphasizes personalized recommendations and client authorization for trades, with a focus on mutual funds, ETFs, SMAs, and alternative investments.

Michael Relyea is a financial advisor with Schwab Wealth Advisory in Chicago, IL, holding Series 63, 65, and 66 licenses. He has 25 years of industry experience, including prior roles at National Life Group, Equity Services, Inc., Allstate Insurance Co., SEI Investments Management Corp, and Fifth Third Securities, Inc. Schwab Wealth Advisory 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 bases its guidance on standard asset-allocation models and internal research tools, offering personalized recommendations without exercising discretionary trading authority.

Sanel Duranovic is a CFP® professional with 13 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. He has worked previously at Charles Schwab & Co., Transamerica, CitiGroup, USAA, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standardized asset-allocation models and internal research tools, with tailored recommendations and annual reviews aligned to client goals and risk tolerance.

Cameron Grable is a CFP® with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Chicago, IL. Prior to joining Schwab Wealth Advisory and Charles Schwab in 2024, he worked at The Vanguard Group from 2018 to 2024. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses Schwab's asset-allocation models and research tools to offer tailored recommendations, while trades are executed only with client authorization.

Michael Sharpe is a Certified Financial Planner (CFP®) and holds a Series 66 license with five years of industry experience. He has worked at Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc. since 2021, and previously was employed at Shepherd Financial, LLC and LeadJen LLC. He also has a background in academia from the University of Kentucky. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm uses Charles Schwab’s standard asset allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Nelson Dume is a financial advisor with Schwab Wealth Advisory in Chicago, IL, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co. in 2024, he spent 17 years at Citigroup Global Markets. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s advice is based on standard asset-allocation models and internal research tools, with recommendations tailored annually to clients’ goals and risk tolerance.

Mario Giannetta is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked extensively within the Charles Schwab organization since 2004, including roles at Schwab Wealth Advisory Inc. and Charles Schwab Bank. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary advice, financial planning, and wealth management consultations based on proprietary asset-allocation models and research tools. The firm emphasizes annual reviews tailored to client goals and risk tolerance, with recommendations typically involving separately managed accounts managed by third parties or affiliated managers.

Ephraim Okeke is a Series 66 licensed financial advisor with eight years of industry experience, currently with Schwab Wealth Advisory in Chicago, IL. His prior roles include positions at UBS Financial Service Inc., Raymond James & Associates, and Bank of America. He serves as Treasurer and a board member of F.Y.T.C. (For You, The Culture) Inc., where he manages financial affairs for the nonprofit organization. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and research tools to tailor recommendations according to client goals and risk tolerance.

Hope Babbington is a CFP®-certified financial advisor at Schwab Wealth Advisory with six years of industry experience. She has held various roles within the Charles Schwab organization since 2019, including positions at Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB. Prior to Schwab, her work background includes roles at Butler University, Government Employees Insurance Company, and Aflac. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s services focus on asset allocation and investment selection using standard asset-allocation models and internal research, with client-directed trade execution and regular reviews tailored to individual goals and risk tolerance.

Lidija Gjorgjievska is a CFP®-designated financial advisor with 12 years of industry experience, currently with Schwab Wealth Advisory Inc. She has worked at Schwab Wealth Advisory since 2018 and has prior experience with TD Ameritrade and Northwestern Mutual Investment Management. Outside of finance, she teaches virtual yoga sculpt and strength training classes. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, utilizing a research-driven, asset allocation approach tailored to individual goals and risk tolerance.

Hari Nair is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience and holds a Series 66 designation. His prior experience includes roles at J.P. Morgan Securities LLC, Charles Schwab & Co., Inc., Fidelity, Chase Investment Services Corp., and Ameriprise. He is based in Chicago, Illinois. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s standard asset allocation models and internal research tools to guide investment selection, with client authorization required for trades.

Irvin Cartagena Jr. is a CFP® professional with 18 years of experience in the financial services industry. He currently serves as a financial advisor at Schwab Wealth Advisory, Inc., having previously worked at firms including JPMorgan Chase Bank NA, JPMorgan Securities LLC, Charles Schwab, and Equitable Advisors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach involves asset allocation guidance and investment selection using Charles Schwab’s internal research tools and standard models, with trades executed only upon client authorization.

Simon Manoyan is a CFP®-certified financial advisor with 16 years of industry experience, currently affiliated with Schwab Wealth Advisory, Inc. in Chicago, IL. His prior roles include positions at Charles Schwab & Co., INC, CliftonLarsonAllen Wealth Advisors, LLC, and BKD Wealth Advisors, LLC. He serves on the board of his condominium association, participating in community governance and lifestyle improvement efforts. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing standardized asset-allocation models and internal research tools. The firm emphasizes client authorization for trade execution and typically recommends separately managed accounts managed by third-party or affiliated money managers.

Nicholas Eppler is a CFP® and holds a Series 66 license with four years of industry experience. He is currently a financial advisor at Schwab Wealth Advisory in Chicago, IL, having previously worked at firms including Edward Jones, Fidelity Investments, and MassMutual. Eppler has also held roles outside of financial services, including employment with Keyence Corporation of America. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm employs asset-allocation models and research tools to guide investment decisions, with client authorization required for trades, and typically recommends separately managed accounts handled by third-party or affiliated managers.

Sebastian Galindo Sosa is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at The Vanguard Group and Wells Fargo. He holds Series 63 and 66 licenses and is based in Chicago, IL. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on standard asset-allocation models and internal research tools, with recommendations tailored annually to each client’s goals and risk tolerance.

Jennifer Thurswell is a financial advisor with Schwab Wealth Advisory in Chicago, IL. She holds a Series 65 designation and has industry experience beginning in 2025. Her prior work includes five years at Harrison, LLP, one year at Katten Muchin Rosenman, LLP, and three years at Reed Smith LLP. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm uses Charles Schwab & Co.’s asset-allocation models and internal research tools, with client authorization required for trades.

Angel Montano is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2006 and has held roles at Chase Investment Services Corp., Banc One Securities Corporation, and Strong Capital Management Inc. 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, using Charles Schwab’s asset-allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance.

Mary Goesel is a CFP® professional with 22 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. She has held previous roles at Charles Schwab & Co., Facet Wealth, TIAA-CREF, Bank of America, Merrill, and Banc Of America Investment Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset-allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance.

Natasha Cooper is a CFP® certificant with eight years of industry experience, currently serving at Schwab Wealth Advisory, Inc. in Chicago. Her prior experience includes roles at Merrill, Bank of America, and Charles Schwab & Co. She serves as Communications Chair for the Auxiliary Board of the Chicago Youth Center. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Taylor Mc Main is a CFP® professional with 11 years of industry experience. He is currently with Schwab Wealth Advisory, where he has worked for one year. His prior experience includes roles at Beacon Pointe Advisors and Charles Schwab-affiliated entities over the past decade. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance, offering annual reviews and guidance on various investment options without exercising discretionary trading authority.

Jonathan Sears is a CFP® professional with 18 years of experience in financial advisory roles. He currently works at Schwab Wealth Advisory and has previously been employed by Charles Schwab and J.P. Morgan Securities, LLC. Sears is based in Chicago, IL, and holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and select referred clients. The firm utilizes Charles Schwab & Co.’s asset-allocation models and research tools to deliver personalized recommendations, with trades executed only upon client authorization.

Joshua Lange is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing four years of industry experience. He has worked at Schwab Wealth Advisory since 2026 and has been with Charles Schwab & Co., Inc. since 2023. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses proprietary asset allocation models and internal research tools to offer tailored recommendations, while trades are executed only with client authorization.

Ethan Redensek is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and four years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2021 and joined Schwab Wealth Advisory in 2026. His prior experience includes roles outside of financial services. 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 uses standard asset-allocation models and internal research tools, with recommendations tailored to client goals and risk tolerance.

Patrick Sands is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab-related entities since 1999, including Charles Schwab Bank from 2005 to 2022. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab’s asset-allocation models and internal research tools, with a focus on personalized recommendations and client authorization for trades.

Andrew Arnold is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Chicago, IL. His career includes roles at Bank of America, Merrill, Heitman Securities LLC, and American Century Investment Services, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm emphasizes asset allocation and investment selection based on standardized models and internal research, with trades executed only upon client authorization.

Eric Baytala is a financial advisor with Schwab Wealth Advisory, holding CFP® and ChFC® designations and possessing 17 years of industry experience. He has worked at Charles Schwab in various capacities since 2014 and was previously employed at Fidelity from 2011 to 2014. Schwab Wealth Advisory, Inc. provides fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referrals. The firm uses Charles Schwab & Co.’s asset-allocation models and internal research tools to guide investment decisions, offering non-discretionary advice with personalized reviews based on client goals and risk tolerance.

Alex Kruszewski is a financial advisor at Schwab Wealth Advisory, Inc. based in Chicago, IL, holding the Series 63 and Series 66 designations with four years of industry experience. His prior roles include positions at Charles Schwab and TD Ameritrade, as well as experience outside finance at Elite Home Restoration and Northern Illinois University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program, utilizing proprietary Schwab asset-allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance.

Natalya Jennings is a CFP® with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Chicago, IL. She has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Merrill, Bank of America, and Morgan Stanley. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program, using Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations according to client goals and risk tolerance.