Vincent Zupo is a CFP® professional with 20 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc. He has previously worked at GW&K Investment Management, AlphaCore Wealth Advisory, Sage Rhino Capital LLC, Bradford & Marzec, LLC, and Amundi Pioneer Institutional Asset Management, Inc. Zupo serves as a member of the City of El Segundo Investment Advisory Committee, supporting the city’s investment decisions. 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 is based on proprietary asset-allocation models and research tools, with investment selection requiring client approval and regular reviews tailored to individual goals and risk tolerance.

Sandra Franklin is a financial advisor at Schwab Wealth Advisory with 32 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Schwab Wealth Advisory since 2026, following roles at Charles Schwab & Co., Inc., TD Ameritrade, and Advisors Asset Management, Inc. Sandra serves on the board of the LSU Alumni San Diego Chapter. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, employing asset-allocation models and internal research tools to tailor recommendations based on individual goals and risk tolerance.

Alice Ruiz is a CFP® with 17 years of industry experience, currently affiliated with Schwab Wealth Advisory. Her prior work includes roles at Fidelity Investments, JP Morgan Securities LLC, Wells Fargo Advisors, Merrill, and Banc of America Investment 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 referred clients. The firm’s guidance is based on standard asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.

Patrick Ru is a CFA® charterholder with 21 years of industry experience. He currently works at Schwab Wealth Advisory and has prior experience with Neuberger Berman, JPMorgan Securities LLC, and JPMorgan Chase Bank NA. He holds ownership interests in investment entities related to his former employer, Neuberger Berman, though he is not active in those businesses. Schwab Wealth Advisory, Inc. 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’s advice is guided by proprietary asset-allocation models and research tools, with investment decisions executed only upon client authorization.