Tara Smith is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. She has worked at firms including Charles Schwab and Fidelity, and has been with Schwab Wealth Advisory since 2013. Outside of advising, she serves as an adjunct faculty member at Paradise Valley Community College, teaches fitness classes, works as a consultant for Young Living Essential Oils, and is an author writing about the adoption process. 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 approach uses Charles Schwab & Co.’s asset-allocation models and internal research tools, delivering tailored recommendations with client authorization required for trades.

Ma Paula Louise Leido is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. She holds Series 63 and Series 66 licenses. Her prior work includes roles at Amazon.com and Philippine Savings Bank. 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 approach emphasizes asset allocation and investment selection using Schwab’s proprietary research tools, with recommendations tailored to individual goals and risk tolerance.

John Monfreda is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses with 35 years of industry experience. He has worked at Charles Schwab since 2006 and Schwab Wealth Advisory since 2012. Outside of his advisory role, he serves as vice president of Monfreda Realty Group, LLC, a non-investment business managing a rental portfolio. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with client authorization required for all trades.

William Bibbs is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and one year of industry experience. His prior roles include positions at Charles Schwab & Co., Inc. and the YMCA Retirement Fund. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on standardized asset-allocation models and internal research tools, with investment selections requiring client authorization and regular reviews tailored to individual goals and risk tolerance.

Miguel Molina 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 Charles Schwab since 2018, including his current role at Schwab Wealth Advisory beginning in 2024. Prior to joining Schwab, he spent time at Veyo Arizona and Total Transit. 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 guidance focuses on asset allocation and investment selection based on Schwab’s proprietary models and research, with recommendations tailored to clients’ goals and risk tolerance.

Tyler Cawthorne is a CFP® professional with eight years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc. and has previously worked at Charles Schwab Bank, Charles Schwab & Co., and other companies. Outside of his advisory role, Tyler is involved in online content production related to sports affiliate marketing and participates in online entertainment streaming and food delivery services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s investment guidance is based on Charles Schwab’s proprietary asset-allocation models and internal research, with client authorization required for all trades.

Tyler Mehlhorn is a CFP® with 20 years of industry experience, currently with Schwab Wealth Advisory. He has worked at Charles Schwab & Co., Fidelity, and Wells Fargo Investments during his career. Outside of advising, he runs TC Squared, LLC, where he produces and shares project and agricultural videos on YouTube. 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 approach relies on standard asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Andrea Flores is a CFP® and ChFC® with 19 years of experience in financial services. She is currently with Schwab Wealth Advisory Inc., where she has worked since 2019. Her prior experience includes roles at USAA Investment Management Company, USAA Financial Advisors, Inc., Centaurus Financial, Inc., and Merrill. 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 internal research tools to guide investment selection and wealth management.

William Jorden is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc. since 2017, with prior experience at Oppenheimer, Merrill, and Wells Fargo Clearing. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co. referred clients. The firm uses Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Patrick Nugent is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 65 and Series 66 licenses and bringing 27 years of industry experience. His prior roles include positions at USAA Financial Advisors Inc. and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm uses standard asset-allocation models and internal research tools to offer tailored investment recommendations, executing trades only with client authorization.

Christopher Cornwall is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Charles Schwab since 1997 and has served at Schwab Wealth Advisory since 2012. Outside of his advisory role, Cornwall is the president and owner of Cornwall Enterprises LLC, a business that leases vehicles to drivers. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s asset-allocation models and research tools. The firm offers personalized recommendations with at-least-annual reviews, focusing on client goals and risk tolerance without exercising discretionary trading authority.

Douglas Gasser is a CFA® charterholder with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He previously worked at Merrill from 2016 to 2021. Outside of his advisory role, Gasser performs general handyman duties, including remodeling and caulking, through his engagement with Madhouse Properties LLC. 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 emphasizes tailored asset allocation and investment selection without exercising discretionary trading authority.

Randy Azuogu is a CFA® charterholder with 10 years of industry experience. He has been with Schwab Wealth Advisory since 2017 and with Charles Schwab since 2015. Based in Phoenix, AZ, he holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations, relying on client authorization for trade execution and typically suggesting separately managed accounts.

Ashley Monteverde is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 2013. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice and financial planning. The firm uses Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance, with trades requiring client authorization.

Andrew Kissinger is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2020. He has prior experience with Charles Schwab & Co., Inc. dating back to 2017 and worked at Carvana from 2014 to 2017. 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 guidance emphasizes asset allocation and investment selection based on Schwab’s proprietary research tools and standard models, with recommendations tailored to individual goals and risk tolerance.

John Escamilla is a CFP® and Series 66-licensed financial advisor with one year of industry experience. He is currently with Schwab Wealth Advisory, where he has worked since 2025. His prior experience includes roles at Merrill and Bank of America. 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’s advice is centered on Charles Schwab’s proprietary asset-allocation models and internal research, offering tailored recommendations based on client goals and risk tolerance without exercising discretionary trading authority.

Tanner Grech is a CFP®-certified financial advisor with Schwab Wealth Advisory, based in Phoenix, AZ. He has eight years of industry experience, including roles at Charles Schwab since 2018 and prior work at Metro Inspections, LLC and Northwest Trustee Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, with tailored recommendations aligned to clients’ goals and risk tolerance.

Brody Carroll is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and one year of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc. and Acute Wealth Advisors, among other roles. He took a two-year period of extended travel before beginning his career in 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 based on standard asset-allocation models and internal research tools.

David York is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His career includes roles at Charles Schwab since 2009 and USAA financial services from 2006 to 2009. Outside of advisory work, he is involved in a real estate business in Phoenix, Arizona. Schwab Wealth Advisory 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 uses asset-allocation models and internal research tools to offer tailored recommendations, primarily utilizing mutual funds, ETFs, and separately managed accounts, while executing trades only with client authorization.

Patricia Holdman is a CFP® professional with 19 years of experience in the financial services industry. She has worked at Charles Schwab and Schwab Wealth Advisory Inc. since 2020 and previously spent nine years at The Vanguard Group, Inc. in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and research tools. The firm focuses on client-authorized trades and offers tailored recommendations reviewed at least annually.