Kirby Massey is a CFA® charterholder and holds a Series 66 license, currently serving as a financial advisor with Schwab Wealth Advisory in Orlando, FL. He has five years of industry experience, including roles at Charles Schwab & Co., Addition Financial, and the University of Central Florida. Massey has been with Schwab Wealth Advisory since 2024. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach centers on asset allocation and investment selection guided by internal research and standard models, with client authorization required for all trades.

Nathan Male is a financial advisor with Schwab Wealth Advisory in Orlando, Florida. He holds Series 63 and Series 66 designations and has 25 years of industry experience. Nathan has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2008. 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. The firm’s guidance is based on Schwab’s asset allocation models and research tools, offering personalized recommendations with client authorization required for all trades.

Kenneth Spafford is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MassMutual, and MassMutual Trust Company, FSB. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and research tools.

Steven Finnegan is a financial advisor at Schwab Wealth Advisory with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and its affiliated firms since 1999. Based in Orlando, FL, he has served at Schwab Wealth Advisory since 2012. 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’s investment guidance is based on Charles Schwab’s asset-allocation models and research tools, with recommendations tailored to individual goals and risk tolerance.

Elkin Castillo is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2010. Outside of his advisory work, he has managed a single-family rental property since 2004. 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 standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Bradley Baltman is a CFP® and holds a Series 66 license, with two years of industry experience. He is currently an advisor at Schwab Wealth Advisory, Inc. Prior to this, he worked at Charles Schwab & Co., Inc. and CAPTrust. 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 guidance is based on proprietary asset-allocation models and internal research, with investment recommendations tailored to individual client goals and risk tolerance.

Juan Remacha is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds a Series 66 designation and has been with Schwab Wealth Advisory Inc. since 2016, as well as Charles Schwab since 2014. Based in Orlando, FL, his career focuses on providing investment advisory services within the Schwab platform. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm utilizes proprietary asset-allocation models and internal research tools to tailor recommendations, with account reviews conducted at least annually.

Caitlyn Brophy is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and seven years of industry experience. She has been with Charles Schwab and its affiliated entities since 2018. Prior to her financial services career, she worked at Monmouth University and had brief roles at Tallman Swim Club and Tomasello Winery Tasting Room. 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 & Co.-referred clients. The firm emphasizes guidance on asset allocation and investment selection using proprietary models and internal research, with client authorization required for all trades.

Cuthbert Mbewe is a financial advisor with Schwab Wealth Advisory who holds a Series 66 designation and has 13 years of industry experience. He has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory since 2017 and previously held roles at SunTrust and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and point-in-time 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 tools, with recommendations tailored to individual client goals and risk tolerance.

Evon Harris is a financial advisor at Schwab Wealth Advisory with 21 years of industry experience. He holds the Series 66 designation and has previously worked at TD Ameritrade, J.P. Morgan Securities, Chase Investment Services, and MSI Financial Services. Based in Orlando, FL, he has been with Schwab Wealth Advisory and Charles Schwab & Co. since 2021. 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 uses proprietary asset-allocation models and internal research tools to deliver at-least-annual reviews and tailored recommendations without exercising discretionary trading authority.

Gerrard Raymond is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2018, working within the Charles Schwab organization since 2013. 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 standardized asset-allocation models and internal research tools to deliver tailored recommendations, while clients retain control over trade executions.

Jonathan Mrozek is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and two years of industry experience. His prior work includes roles at Charles Schwab & Co., Blue River Technology, Duckhorn Portfolio, Treasury Wine Estates, and the University of Illinois. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, focusing on asset allocation and investment selection based on Charles Schwab’s internal research and standard models. The firm does not exercise discretionary trading authority and often recommends separately managed accounts overseen by third-party or affiliated money managers.

Alexander Meleis is a CFP® and CFA® credentialed advisor with three years of industry experience. He currently works at Schwab Wealth Advisory in Orlando, FL, having previously been employed at CNR Securities, LLC and PNC Financial Services. 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, relying on Schwab’s asset-allocation models and internal research tools to guide investment decisions.

Nadera Sander is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. She holds the Series 63 and Series 65 licenses and has worked at Charles Schwab & Co., Inc. since 2006, joining Schwab Wealth Advisory in 2021. 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 approach is based on Charles Schwab & Co.’s asset allocation models and internal research, offering tailored recommendations and at-least-annual reviews.

Matthew Plunkitt is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. He previously worked at Fidelity Investments and its affiliated entities for over seven years and has experience with Global Financial Private Capital, Inc. and Charles Schwab & Co., Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations with trades executed only upon client approval.

John Leacock is a Series 66 licensed financial advisor with Schwab Wealth Advisory in Orlando, FL, bringing 11 years of industry experience. He has been with Schwab Wealth Advisory since 2016 and has worked with Charles Schwab since 2013. Outside of his advisory role, Leacock serves on the Finance Committee at St. Charles Borromeo Catholic Church, where he participates in discussions and approvals related to church accounting and expenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and selected Charles Schwab & Co.-referred clients. The firm bases its guidance on proprietary asset-allocation models and internal research tools, offering tailored recommendations reviewed at least annually.

Thanh Huy Tran is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory since 2018, including his current role since 2021. Prior to joining Schwab, Tran was with Wells Fargo from 2016 to 2018. 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 Schwab’s asset-allocation models and research tools and involves at-least-annual reviews tailored to clients’ goals and risk tolerance.

Blake Lea is a CFP® professional with two years of industry experience, currently associated with Schwab Wealth Advisory, Inc. He has also worked at Charles Schwab & Co., Inc. and Flower Ave. Inc. Prior to his financial advisory roles, Blake held positions at the University of Florida and Southeastern University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Hasson Murphy is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. He has been with Charles Schwab since 2004 and with Schwab Wealth Advisory since 2017. Schwab Wealth Advisory serves clients enrolled in the SWA program and certain CS&Co.-referred clients, 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 tailored recommendations and at-least-annual reviews.

William Guinn is a Certified Financial Planner (CFP®) with 18 years of industry experience. He has worked at Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. since 2015, following roles at Mass Mutual Investors Services, MSI Financial Services, and Edward Jones. Schwab Wealth Advisory, Inc. 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 advice is based on proprietary asset-allocation models and research tools, offering guidance on a range of investment options while requiring client authorization for trades.