Joseph Almon is a CFA® charterholder with 17 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc., having joined in 2023 after a long tenure at Fidelity Investments. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering investment recommendations and financial planning through a standardized model within the Schwab ecosystem.

William Smith is a financial advisor at Schwab Wealth Advisory with Series 66 and Series 63 licenses and four years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc., and previously held positions outside finance including at McDonald Automotive Group and the University of Colorado at Boulder. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and is compensated by Charles Schwab & Co. rather than directly by clients.

Kelly Van Winkle is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2012. She has been associated with Charles Schwab since 2006. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers recommendations across various asset classes using Schwab’s research tools and standard asset allocation models, with advice integrated into the broader Schwab ecosystem.

Kyle Ohnstad is a financial advisor with TIAA-CREF in Denver, CO, holding Series 63 and Series 66 designations and 16 years of industry experience. He has been with TIAA-CREF since 2010. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers a mix of model and customized portfolio management within a fiduciary framework.

Joshua Schmitt is a CFP®-certified financial advisor with eight years of industry experience. He has worked at Creative Planning since 2017 and was previously with Waddell & Reed, Inc. from 2015 to 2017. Joshua is based in Castle Rock, CO. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by tax-loss harvesting and selective private market exposure.

Benjamin Massa is a financial advisor at Schwab Wealth Advisory with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Luna Freight. Outside of finance, he was involved with the United States Hang Gliding and Paragliding Association in 2019. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations supported by Schwab’s asset allocation models and research tools.

Colleen Ellingboe is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has worked at Charles Schwab since 2013, including five years at Charles Schwab Bank and one year at Schwab Wealth Advisory Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for advisory services.

Michael Mayer is a CFP® professional with 11 years of industry experience. He is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc., having joined both firms in 2026. His prior experience includes roles at Fidelity Investments and TIAA. Outside of his advisory work, he is involved with Windschrift LLC, a private trading business. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem and uses proprietary research tools and standard asset allocation models to guide client decisions without discretionary trading authority.

Christopher Fernon Jr. is a financial advisor with Schwab Wealth Advisory and has 12 years of industry experience. He holds Series 66 and Series 63 licenses and has been with Charles Schwab since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to recommend investments, with final trading decisions left to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Nathan Dunn is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing three years of industry experience. He has worked at Schwab Wealth Advisory Inc and Charles Schwab & Co., with prior experience at Mariner Wealth Advisors and Enam Investments. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations while leaving final trading decisions to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and delivers advice using Schwab’s asset allocation models and research tools.

Brendan Hefter is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at TIAA-CREF and Fidelity Personal and Workplace Advisors. Hefter holds Series 63 and Series 66 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not charge clients directly, distinguishing its advisory approach from many enterprise wealth managers.

Caleb Wedgle is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds the Series 63 and Series 66 registrations and has worked primarily within the Charles Schwab organization. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning discussions, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, differentiating its approach from many enterprise wealth managers.

Kevin Ziegler is a CFP® professional with five years of industry experience. He is currently with Schwab Wealth Advisory, Inc., where he has worked since 2022, and has prior experience at Wells Fargo Bank. In 2019, he took a year to travel extensively in Southeast Asia. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Tanya Elling is a CFP®-credentialed financial advisor with seven years of industry experience. She is currently with Schwab Wealth Advisory and has worked at Charles Schwab & Co., Inc. since 2020. Her prior experience includes roles at KMS Financial Services, BCA Financial Services, and Fisher Investments. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with advisors recommending allocations while clients make final trading decisions.

Nicole Kinnamon is a financial advisor at Schwab Wealth Advisory with five years of industry experience. She holds Series 63 and Series 66 designations and has worked across several roles within Charles Schwab and affiliated entities since 2020. Prior to her financial services career, she was involved with Speakeasy Tattoo Industries, LLC for six years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement planning, and investment recommendations, utilizing Schwab’s research tools and asset allocation models while leaving final trading decisions to clients.

Matthew Martin is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His career includes 24 years at TIAA and TIAA-CREF prior to joining Schwab Wealth Advisory in 2022. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering guidance through standard asset allocation models and Schwab research tools. The firm structures its advisory services as an internal unit within Charles Schwab and does not charge clients directly for its services.

Jeffrey Klein is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Schwab Wealth Advisory since 2018 and has worked at Charles Schwab & Co., Inc. since 2016. Outside of his advisory role, Klein serves as an on-ice official for USA Hockey. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and research tools to support client-directed investment decisions. The firm operates as an internal advisory unit within the Schwab ecosystem, offering annual financial reviews and wealth management education without exercising discretionary trading authority.

Leslie Morgan is a CFP®-designated financial advisor with 25 years of industry experience, currently with Schwab Wealth Advisory since 2021. Previously, Morgan worked at TIAA and TIAA-CREF for 15 years. Outside of advising, Morgan practices backyard beekeeping and occasionally sells honey. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and generally does not exercise discretionary trading authority.

Michael Machado is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at Janus Management Holdings Corp, AlphaSense, and ModernIR. He has been with Charles Schwab and Schwab Wealth Advisory since 2019. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within Charles Schwab, utilizing standard asset allocation models and Schwab research tools, while leaving final trading decisions to clients.

Hunter Baumgartner is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 designations and three years of industry experience. He previously worked at the Credit Union of Denver and has a background outside finance, including six years at Virgilio's Pizzeria & Wine Bar. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not directly charge clients fees; it also distinguishes itself by lacking discretionary trading authority and by its affiliation with a registered futures commission merchant.