Daniel Nampha is a CFP® professional with eight years of experience in the financial industry. He is currently affiliated with Schwab Wealth Advisory, Inc., where he has worked since 2026. His prior roles include positions at Fidelity Brokerage Services LLC and Ameriprise Financial Services, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referrals. The firm’s approach involves asset allocation guidance and investment selection supported by Charles Schwab & Co.’s research tools, with recommendations tailored to individual client goals and risk tolerance.

Ryan Malaeb is a CFP®-designated financial advisor with Schwab Wealth Advisory, Inc., based in Tysons Corner, VA. He has seven years of industry experience and previously worked at T. Rowe Price and PwC. Outside of his advisory role, he manages rental properties on a part-time basis. 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 tailored to each client’s goals and risk tolerance. The firm employs standard asset-allocation models and internal research tools, and its advice includes guidance on mutual funds, ETFs, separately managed accounts, and alternative investments.

Bryan Medina is a CFP® professional with four years of industry experience, currently serving at Schwab Wealth Advisory. His prior roles include positions at Fidelity Investments and JP Morgan Chase. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and selected Charles Schwab & Co.-referred clients, using standard asset-allocation models and internal research tools to tailor recommendations. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts managed by third-party or affiliated money managers.

Zak Irizarry is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Schwab Wealth Advisory in 2023, he worked at Charles Schwab since 2017, including a role at Charles Schwab Bank, and has experience with Professional Group Plans, AXA Advisors LLC, and Retro Fitness. 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 Charles Schwab & Co.’s asset-allocation models and internal research tools.

James Young is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and with Charles Schwab since 2005. 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 standard asset-allocation models and internal research tools to guide investment selection, with trades executed only upon client authorization.

Toavina Ranaivoarijaona is a financial advisor at Schwab Wealth Advisory with five years of industry experience. She holds a Series 66 designation and has previously worked at Equitable Advisors and Global Solutions. Outside of her advisory role, she co-founded Malagasy In USA, a nonprofit charitable organization, where she serves as Chief of Staff. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s investment approach is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Derrick Carter is a CFP® professional with 11 years of industry experience, currently serving at Schwab Wealth Advisory. His prior experience includes roles at Fidelity Investments and Fidelity Personal and Workplace Advisors. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s approach uses Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations with client-authorized trade execution.

Nicholas Gardner is a Certified Financial Planner (CFP®) with seven years of industry experience. He is currently with Schwab Wealth Advisory and Charles Schwab & Co., Inc., having previously worked at Fidelity Investments and Fidelity Brokerage Services, LLC. His background also includes roles at Enlinx, Granogi, GMDC, and experience as a self-employed financial professional. 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 approach uses Charles Schwab’s asset-allocation models and research tools, offering tailored recommendations with trades executed only upon client authorization.

Roseal Stewart is a CFP® professional with four years of industry experience, currently advising at Schwab Wealth Advisory, Inc. She has worked across various roles within Charles Schwab, including Schwab Wealth Advisory and Charles Schwab Bank. Outside of her financial career, she provides rideshare services using the Lyft app. 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’s advice is based on proprietary asset-allocation models and internal research, with services tailored to client goals and risk tolerance.