Erica Williams is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and bringing nine years of industry experience. She has been with Charles Schwab since 2013 and joined Schwab Wealth Advisory in 2020. Prior to her financial services career, she worked with the Orlando Magic from 2011 to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across a range of securities. The firm delivers advice through Charles Schwab’s asset allocation models and research tools, with clients retaining final trading decisions and SWAI conducting at least annual account reviews.

Carlton Stokes is a CFP® with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His work history includes roles at Charles Schwab and State Farm. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations within the Schwab ecosystem. The firm uses Schwab’s asset allocation models and research tools, with final investment decisions made by clients.

Michelle Sils is a financial advisor at Schwab Wealth Advisory with five years of industry experience. She holds Series 63 and Series 65 licenses. Her work history includes roles at Schwab Wealth Advisory, Charles Schwab & Co., Inc., and TD Ameritrade, as well as prior experience outside the financial industry with BMW and other firms. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Schwab’s asset allocation models and research tools to recommend investments while clients retain final trading decisions, conducting annual reviews without discretionary trading authority.

Ryan Beesmer is a CFP® with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. His prior experience includes roles at Charles Schwab & Co., Inc., Lincoln Investment, and Fidelity Brokerage Services LLC. He also has experience outside of traditional finance, including involvement with a political campaign and a venture named Bowl and Barrel. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools. The firm operates within the Schwab ecosystem and does not exercise discretionary trading authority, distinguishing its approach from many enterprise wealth managers.

Gregory Black is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has worked at Charles Schwab since 1997 and has been with Schwab Wealth Advisory Inc. since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with a unique cost-and-expense payment structure and a focus on annual account reviews rather than discretionary trading.

Thomas Talmage III is a financial advisor with Independent Financial Partners, holding Series 65 and Series 63 credentials and bringing 18 years of industry experience. He has worked with several firms, including LPL Financial and his own Talmage Financial Group, and has been affiliated with Independent Financial Partners since 2011. His business activities include ownership of Encompass Wealth Management and Encompass Consulting, where he provides advisory services and exit planning for business owner clients. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform managing over $12.5 billion in assets and is notable for its formal retirement-plan advisory and pension consulting capabilities.

Jacob Descoteau is a financial advisor with Schwab Wealth Advisory in Orlando, FL. He holds Series 63 and Series 66 licenses and has one year of industry experience. Prior to his current role, he was associated with Charles Schwab & Co., Inc. and has work experience in diverse sectors including the restaurant industry and education. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, without discretionary trading authority, focusing on serving individual clients rather than institutional accounts.

Kacper Majerczyk is a CFP® and Series 66 registered advisor with Schwab Wealth Advisory, based in Orlando, FL. He has two years of industry experience, including roles at Schwab Wealth Advisory and Charles Schwab. Prior to his financial advisory career, he was self-employed and spent several years in education. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with a distinctive fee and management structure compared to other enterprise wealth managers.

Shawn Younglove is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked with Charles Schwab & Co., Inc. since 2018 and previously at US Bank. Outside of his advisory role, he operates a dog sitting business through an online app. 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 utilizing Schwab’s proprietary research tools and asset allocation models.

Tyler Watkins is a CFP® professional at Schwab Wealth Advisory with three years of industry experience. He joined Schwab Wealth Advisory in 2024 after working with Charles Schwab since 2022 and previously held a role at U.S. Tactical Security Solution. Outside of finance, he has been involved in providing private security services. Schwab Wealth Advisory offers non-discretionary fiduciary investment advice as part of the Schwab Wealth Advisory program, serving clients through comprehensive financial reviews and investment recommendations guided by Schwab’s research tools and asset allocation models.

Brady Clar is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. He holds the CFP® and CFA® designations and has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc. since 2018, following prior roles at Morgan Stanley and Morgan Stanley Private Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and tailored investment recommendations. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending allocations while clients retain final trading decisions.

Blair Smith is a CFP® professional at Schwab Wealth Advisory with two years of industry experience. His prior roles include positions at The Vanguard Group, Matthias Private Wealth, and 55 North Private Wealth. He holds a Series 63 license and is based in Orlando, FL. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm delivers annual financial reviews and investment recommendations while clients retain final trading decisions.

Jacob Buchman is a financial advisor at Schwab Wealth Advisory with five years of industry experience. He holds Series 66 and Series 63 credentials. His prior experience includes roles at Fidelity Investments, Wells Fargo Clearing Services, TD Ameritrade, and SunTrust (now Truist). Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and research tools to recommend investments, with final trading decisions made by clients.

Maxx Soulliere is a CFP® and Series 66-licensed financial advisor with six years of industry experience. He is currently with Schwab Wealth Advisory, Inc. in Orlando, FL, having previously worked at Infinex Investments, Citizens First Bank, and AXA Advisors, among others. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients 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 as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees or act as a discretionary portfolio manager.

William Kelly is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with Charles Schwab & Co., Inc. since 2016 and joined Schwab Wealth Advisory, Inc. in 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Rudolph Saint Cyr is a CFP® professional with over 32 years of industry experience, currently serving at Schwab Wealth Advisory Inc. in Orlando, FL. He has been with Charles Schwab since 2005 and joined Schwab Wealth Advisory in 2016. Outside of his advisory role, he is also involved as an actor and model, performing in TV, film, commercials, and stage plays, as well as providing DJ services for events. 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 as part of the Schwab ecosystem, with advice delivered using Schwab’s proprietary research tools and models, while clients retain final trading decisions.

Alondra Arenas is a financial advisor with Schwab Wealth Advisory Inc. in Orlando, FL, holding Series 65 and Series 63 licenses and one year of industry experience. Her prior experience includes roles at Charles Schwab & Co., Inc. and JP Morgan Chase & Co. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools.

Shawn Davis is a financial advisor at Schwab Wealth Advisory with 29 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 1999. He is based in Orlando, Florida. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement and planning discussions, and investment recommendations across a range of asset classes. The firm operates within the Schwab ecosystem, using standard asset allocation models and research tools while leaving final trading decisions to clients.

Adam Klopfenstein is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and eight years of industry experience. He has worked at firms including Charles Schwab & Co., Rocket Companies, Fidelity Investments, Merrill, and Bank of America. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s standard 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, distinguishing its operating model from many other enterprise wealth managers.

Paula Dailer is a Certified Financial Planner (CFP®) with 16 years of industry experience. She has been with Schwab Wealth Advisory since 2015 and has worked at Charles Schwab since 2011. Paula holds Series 63 and Series 66 licenses and is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers advice through standard asset allocation models and Schwab research tools, offering investment recommendations while leaving final trading decisions to clients.