Ammiel Banayat is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2019 and also serves as a Captain and Company Commander in the Arizona Army National Guard, focusing on explosive ordnance disposal operations. 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 uses proprietary asset-allocation models and internal research tools to guide investment selection while requiring client authorization for trades.

David Finger is a financial advisor at Schwab Wealth Advisory, Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses with one year of industry experience. His prior work includes roles at Charles Schwab & Co., Inc., Right Start Mortgage, Inc., and Carrington Mortgage Services, LLC. 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 emphasizes asset allocation and investment selection based on internal research and standard models, delivering tailored recommendations without discretionary trading authority.

Martin Czerwonka is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at USAA Financial Advisors and USAA Investment Services Company. Outside of his advisory work, he manages a cabin rental through Airbnb on a limited basis. Schwab Wealth Advisory 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 typically recommends separately managed accounts and does not exercise discretionary trading authority.

Anne Sailer is a ChFC® credentialed financial advisor with 23 years of industry experience. She currently works at Schwab Wealth Advisory, Inc., where she has been since 2019. Prior to that, she held various roles at USAA financial entities from 2007 through 2019. Outside of financial advising, she is an author publishing non-financial books, including journals and how-to guides, on platforms such as Amazon and Audible. 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 advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to each client’s goals and risk tolerance.

Jacob Nordquist is a CFP® with three years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2025 and has previously worked at Charles Schwab & Co., Inc. Outside of finance, he has experience working in the restaurant industry, including time at Gen Korean BBQ and PK Shabu. 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 guided by Schwab's internal research and standard asset-allocation models, with a focus on tailored recommendations and client authorization for trades.

Abigail King is a financial advisor at Schwab Wealth Advisory with two years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab since 2023. Prior to her advisory role, she was involved in education and operated the Learn 2 Rip Surfing and Ocean Academy. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations. The firm’s guidance relies on Schwab’s asset-allocation models and internal research tools, with client authorization required for all trades.

Cheryl Bodwin is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and its affiliated entities since 1999, including 14 years specifically at Schwab Wealth Advisory. Outside of her advisory role, she owns a rental property in Peoria, Arizona. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program as well as select Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and wealth management consultations. The firm’s advice is based on Schwab’s standard asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.

Soren Van Houten is a CFP® credentialed advisor with five years of industry experience, currently serving at Schwab Wealth Advisory. He previously worked at The Vanguard Group and has a background that includes roles in financial services and education. Outside of his advisory work, he operates an e-commerce business selling clothing through Mercari and eBay. 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 advice is based on proprietary asset-allocation models and internal research, with trades executed only upon client authorization.

Shannon Knight is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has worked at Charles Schwab since 2006, as well as prior roles at KeyBanc Capital Markets and Prudential Equity Group. Outside of her advisory work, she is involved in the management of Nickel Plate Clothing Company LLC, overseeing marketing, pricing, and distribution. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice and financial planning. The firm’s advice is based on proprietary asset-allocation models and internal research tools, with recommendations tailored to individual client goals and risk tolerance.

Hannah Krumreich is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Her career includes roles at Charles Schwab Bank, JP Morgan Securities, and Fidelity Brokerage Services. She holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm emphasizes asset allocation and investment selection guided by proprietary research and standard models, with client authorization required for trades.

Elizabeth Duran is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and 14 years of industry experience. Her prior work includes roles at Wells Fargo Bank, Merrill, and Bank of America. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm offers tailored recommendations with at-least-annual reviews and operates with a large scale and distinct operational structures compared to many peers.

Mubera Madar is a CFP® professional with 26 years of experience in the financial services industry, currently serving at Schwab Wealth Advisory since 2022. She has been with Charles Schwab since 2000. 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’s investment guidance relies on Schwab’s proprietary asset-allocation models and research tools, offering tailored recommendations reviewed at least annually.

Chadi Mneiny is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He previously worked at The Vanguard Group for nine years before joining Charles Schwab & Co., Inc. in 2026. 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 referred clients, using Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Hunter Giboney is a CFP® professional with 13 years of industry experience and is currently with Schwab Wealth Advisory Inc. in Phoenix, AZ. He has worked at Charles Schwab and Schwab Bank since 2017, and has prior experience at Ameriprise Financial Services, Zeiders Enterprises, and AllState Insurance 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 utilizes Charles Schwab & Co.’s asset-allocation models and research tools to deliver tailored recommendations, with trades executed only upon client authorization.

Rylee Good is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. Good has been with Schwab Wealth Advisory and Charles Schwab-related firms since 2025, following prior experience working at Barro's Pizza and completing full-time education. 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 uses Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations according to each client’s goals and risk tolerance, while trades require client authorization.

Chad Sager is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with Charles Schwab and its affiliated entities 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 select Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to offer tailored recommendations, with trades executed only upon client authorization.

Heidi Jones is a Series 66 licensed financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, with one year of industry experience. Prior to her current role, she worked at Charles Schwab & Co., Inc. and had experience in the travel and food ingredients sectors. 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 uses standardized asset allocation models and internal research tools to offer tailored investment recommendations without exercising discretionary trading authority.

Darija Hanson is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 2010. Hanson is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab’s asset-allocation models and research tools to offer tailored recommendations with annual reviews, serving a large client base with a focus on mutual funds, ETFs, separately managed accounts, and alternative investments.

Shanna Grech is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. Her prior roles include positions at Charles Schwab Bank, USAA Investment Management Company, and USAA Financial Planning Services. 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 and financial planning. The firm’s approach utilizes Charles Schwab’s asset-allocation models and research tools, delivering tailored recommendations with client authorization for trades.

Anique Hyden is a financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has worked at Schwab Private Client Investment Advisory, Inc. since 2018 and was with Charles Schwab from 2014 to 2018. 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 and financial planning based on Schwab’s asset-allocation models and internal research tools.