Ryan Van Emmerik is a CFP®-certified financial advisor with 11 years of industry experience. He is currently affiliated with Schwab Wealth Advisory Inc., where he has worked since 2021. His prior experience includes roles at USAA Financial Advisors and USAA Investment Management Company. 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 internal research tools to tailor recommendations based on clients’ goals and risk tolerance.

Paul Riskus is a CFP® with 28 years of experience in financial advisory. He is currently with Schwab Wealth Advisory, where he has worked since 2022, and has prior experience at Charles Schwab and USAA-affiliated firms. 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 standardized asset-allocation models and internal research tools.

David Chapman is a CFP® professional with 22 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. He has held roles at Charles Schwab & Co., Charles Schwab Bank SSB, and USAA-affiliated firms over a career spanning more than two decades. Based in San Antonio, TX, Chapman has worked extensively within prominent financial institutions. 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 include guidance on asset allocation and investment selection, relying on Charles Schwab’s asset-allocation models and research tools, with tailored recommendations reviewed at least annually.

Scott Hiller is a CFP® and ChFC® with 27 years of experience in financial advisory. He has worked at Schwab Wealth Advisory since 2022 and has been with Charles Schwab since 2020. Prior to that, he spent nearly two decades with USAA Financial Planning Services and related entities. 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 based on standardized asset-allocation models and internal research tools. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts handled by third-party or affiliated managers.

Edward Gonzales Jr. is a CFP®-credentialed financial advisor with 32 years of industry experience, currently with Schwab Wealth Advisory, Inc. since 2026. His prior experience includes roles at Charles Schwab & Co., Charles Schwab Bank, USAA Investment Management Company, USAA Financial Planning Services, USAA Financial Advisors Inc., and Ameriprise Advisor Services, Inc. He is based in San Antonio, TX. 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 advice is based on Charles Schwab’s asset-allocation models and internal research tools, with recommendations tailored to client goals and risk tolerance.

Daniel Walker is a CFP® professional with 27 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc., where he has worked since 2026, following prior roles at Charles Schwab & Co., Charles Schwab Bank, and USAA-affiliated firms. He is based in San Antonio, TX. 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 utilizes standard asset-allocation models and internal research tools to tailor recommendations based on clients’ goals and risk tolerance, executing trades only with client authorization.

Ivan Galindo is a CFP® and ChFC® with 26 years of experience in the financial services industry. He is currently an advisor at Schwab Wealth Advisory, Inc. and has previously worked at Charles Schwab & Co., Inc., Charles Schwab Bank, and USAA-affiliated companies. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and Charles Schwab & Co.-referred clients, utilizing standard asset-allocation models and proprietary research tools to tailor recommendations based on clients’ goals and risk tolerance.

Sergei Zweibach is a CFP® and ChFC® professional with 11 years of experience in financial advisory services. He is currently with Schwab Wealth Advisory, Inc., having previously worked at Charles Schwab Bank, USAA Investment Management Company, USAA Financial Planning Services, and Securian Financial Services. Zweibach is based in San Antonio, TX. 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’s offerings include guidance on asset allocation and investment selection, relying on Charles Schwab & Co.’s asset-allocation models and internal research tools, with trades requiring client authorization.

Celia Martel is a financial advisor at Schwab Wealth Advisory, Inc. with 28 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Her prior experience includes roles at Charles Schwab, USAA Financial Planning Services, and Ameriprise. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with client authorization required for all trades.