Matthew Martin is a financial advisor at Schwab Wealth Advisory with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Schwab Wealth Advisory and Charles Schwab since 2022, following a 24-year tenure at TIAA and TIAA-CREF. 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 wealth management consultations. The firm’s guidance is based on Schwab’s asset allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Jeffrey Klein is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and having nine years of industry experience. He has been with Schwab Wealth Advisory since 2018 and has been affiliated with Charles Schwab & Co., Inc. since 2016. Outside of his advisory role, Klein serves as an on-ice official for USA Hockey. Schwab Wealth Advisory 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 employs Charles Schwab’s asset-allocation models and research tools to guide investment selections and conducts at least annual portfolio reviews tailored to clients’ goals and risk tolerance.

Leslie Morgan is a CFP® with 25 years of industry experience, currently advising at Schwab Wealth Advisory, Inc. since 2021. Prior to this, Leslie worked for TIAA and Valic Financial Advisors. Outside of finance, Leslie maintains a hobby as a beekeeper and occasionally sells excess honey. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm uses proprietary asset allocation models and internal research tools to guide investment selection and typically recommends separately managed accounts overseen by third-party managers.

Michael Machado is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and its affiliated entities since 2019, as well as prior roles at Janus Management Holdings Corp and Janus Distributors LLC. 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 guidance is based on Schwab’s asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.

Hunter Baumgartner is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. He previously worked at Credit Union of Denver and Charles Schwab Co., Inc., and has entrepreneurial experience operating Virgilio's Pizzeria & Wine Bar for six years. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients by providing non-discretionary fiduciary investment advice and financial planning. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research tools, with guidance tailored to clients’ goals and risk tolerance.

Brett Ellis is a CFP® professional at Schwab Wealth Advisory with nine years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016 and joined Schwab Wealth Advisory Inc. in 2019. 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 Charles Schwab’s standard asset-allocation models and internal research, with tailored recommendations made at least annually.

Margo Hanschke is a CFP® professional at Schwab Wealth Advisory with three years of industry experience. She has worked with Charles Schwab & Co., Inc. since 2022 and previously served for eight years at Colorado Christian University. 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-referred clients. The firm’s investment guidance is based on proprietary asset-allocation models and research tools, with recommendations tailored to clients’ goals and risk tolerance.

George Papadimitropoulos is a CFP® professional with 14 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Lone Tree, Colorado. He has been with Schwab Wealth Advisory since 2014 and has been associated with Charles Schwab since 2011. Outside of his advisory role, he is president of Sigma Real Estate Holdings LLC, a business involved in property acquisition and management in Colorado. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program or referred by Charles Schwab & Co. The firm uses Schwab’s asset-allocation models and research tools to deliver tailored recommendations and conducts at-least-annual portfolio reviews, while trades are executed only with client authorization.

Ye Xia is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2017, having worked at Charles Schwab since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s investment guidance is based on Schwab’s proprietary asset-allocation models and research tools, with individualized recommendations and at-least-annual reviews tailored to client goals and risk tolerance.

Cory Rau is a CFP® professional with 12 years of industry experience, currently serving at Schwab Wealth Advisory. He has held roles at Charles Schwab since 2018 and previously worked at Raymond James Financial Services and Chapel & Collins. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on Schwab’s asset allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Homira Rich is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Her career includes roles at Schwab Wealth Advisory Inc., Charles Schwab Bank, Charles Schwab, TD Ameritrade Investment Management, and Scottrade. 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 and certain Charles Schwab-referred clients. The firm’s guidance is based on proprietary asset-allocation models and internal research, with clients maintaining control over trade authorization.

Jonathan Spors is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. His prior roles include positions at TIAA-CREF, UBS Financial Services, and Advised Assets Group. Additionally, he has an ownership interest in a real estate business. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning based on Schwab’s asset-allocation models and internal research tools.

Linett Batiste is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and five years of industry experience. She has worked at Schwab Wealth Advisory and Charles Schwab since 2021, with previous roles at Fadal Construction, Edward Jones, Target Corporation, and Nordstrom Inc. 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 wealth management consultations. The firm’s guidance is based on Schwab’s asset-allocation models and research tools, with trades executed only upon client authorization.

Heather Vacek is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated firms since 2015. 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. The firm’s guidance is based on Charles Schwab’s asset-allocation models and research tools, offering personalized recommendations reviewed at least annually.

John Beer is a CFP® certificant with seven years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. He has held various roles within Charles Schwab entities since 2019. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab’s standard asset-allocation models and internal research, with tailored recommendations reviewed at least annually.

Mark Celusniak Jr. is a CFP® and holds a Series 66 license, with 19 years of experience in the financial industry. He has worked at Schwab Wealth Advisory and Charles Schwab since 2017 and previously held roles at Morgan Stanley Private Bank, Morgan Stanley, Citigroup Global Markets, 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 and select referrals. The firm’s recommendations are based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored guidance on investments such as mutual funds, ETFs, and separately managed accounts while requiring client authorization for trades.

Stefan Heaton is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2023. Prior to his advisory career, he worked at King Soopers for 14 years. 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. Their approach is based on Charles Schwab & Co.’s asset-allocation models and research tools, with advice tailored to client goals and risk tolerance.

Regina Ramsey is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and six years of industry experience. Her prior roles include positions at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., and Walsh University. She is based in Lone Tree, Colorado. 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 approach includes guidance on asset allocation and investment selection, relying on standardized asset-allocation models and internal research tools, with tailored recommendations based on client goals and risk tolerance.

Jason Abar is a CFP® professional with 24 years of industry experience, currently serving with Schwab Wealth Advisory Inc., where he has worked since 2014. His prior experience includes roles at Reilly Financial Advisors, Curian Capital, LLC, and Mass Mutual Investor Services. He is also involved with Abar Investments Inc. outside of his advisory role. 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, using Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm focuses on personalized recommendations aligned with clients’ goals and risk tolerance, executing trades only with client authorization.

Marco Ramos is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab Bank, Charles Schwab, and Northwestern Mutual among other firms. Prior to his financial services career, Ramos had experience in diverse roles including at Arrow Electronics and Daisy Lane Dairy. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and selected Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on standard asset-allocation models and internal research tools. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts managed by third-party or affiliated money managers.