Callie Rainwater is a financial advisor with Schwab Wealth Advisory and holds a Series 66 credential. She has four years of industry experience, including roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. Outside of her advisory work, she is a co-owner and managing member of Rainwater Geospatial LLC, where she oversees accounting and legal compliance. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing standardized asset allocation models and Schwab research tools. The firm primarily serves clients with wealth management education, retirement planning, and investment recommendations while leaving final trading decisions to the clients.

Ronald Regan is a Certified Financial Planner® with 26 years of industry experience. He is currently with Schwab Wealth Advisory and Charles Schwab, where he has worked since 2022. Prior to that, he held roles at TD AMERITRADE and Fidelity Brokerage Services. He serves as Co-Chair of the Dallas Chapter of the Market Technicians Association, organizing monthly events and managing communications. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations that leverage Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit of Charles Schwab, with advice delivered through client-directed investment decisions rather than discretionary management.

Millicent Holmes is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Her prior roles include positions at Zeiders Enterprises, Inc. and Comprehensive Partners, LLC, as well as running Holmes Business Analytics for over a decade. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews and investment recommendations using Schwab's proprietary research tools. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its advisory model from many enterprise wealth managers.

Frederick Ehinmiakhena II is a financial advisor at Eagle Strategies (New York Life) in Southlake, TX, holding Series 63 and Series 65 licenses with eight years of industry experience. His prior roles include positions at Mass Mutual and Northwestern Mutual, spanning various capacities from 2015 to 2023. He is also involved in insurance brokering for non-registered insurance products. Eagle Strategies serves a diverse client base including individuals, institutional investors, and retirement plan sponsors, offering financial planning, investment management, and advisory services. The firm emphasizes tailored solutions and predominantly manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Robert Malzberg is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds a Series 66 designation and has worked at firms including JPMorgan Chase Bank, The Vanguard Group, and Bank of America. His background also includes roles outside traditional finance, such as employment with DoorDash and the New York Yankees. 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. The firm utilizes Schwab's proprietary research tools and standard asset allocation models, with clients retaining final trading decisions while receiving guidance from advisors.

Aniyah Gibbs is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Schwab, she held roles at United Specialty Advertising, Florida Financial Advisors DBA Texas Financial Advisors, and Kula Sports Performance. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations through Schwab’s asset allocation models and research tools.

Kevin Richardson is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes positions at TD Ameritrade and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Nate Ramirez is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 12 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering 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 and does not charge clients directly for its services.

Thanh Vo is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab, TD Ameritrade, CarMax, and World Market. 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 Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not typically act as a discretionary portfolio manager.

Matthew Mc Coll is a financial advisor at Schwab Wealth Advisory with a Series 65 designation and four years of industry experience. His prior roles include positions at Charles Schwab, Mass Mutual Investors Services, and Turnbridge, as well as experience as an attorney. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, planning discussions, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co. and does not charge clients directly for its services.

Hongli Chen is a CFP®-credentialed financial advisor at Schwab Wealth Advisory with nine years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Chen worked at Charles Schwab & Co., Inc. and TD Ameritrade, Inc. He is also involved in property management activities, assisting with tenant needs. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering recommendations via standard asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Randall Crimmings is a CFP® professional with 22 years of industry experience. He is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, Buckingham Strategic Wealth, Clintsman Financial Planning, and Fidelity. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, and institutional clients, offering wealth management and advisory services that include investment management, financial planning, and family office services. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies alongside quantitative analysis and portfolio overlay techniques.

Mary Aguirre is a financial advisor at Schwab Wealth Advisory with four years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab, TD Ameritrade, Lockton Dunning Benefits, and Conduent Business Services. Prior to her advisory roles, she also spent time as a stay-at-home mom. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as 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 while leaving final trading decisions to clients.

Natali Espinosa is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials. She has been with Schwab Wealth Advisory and Charles Schwab since 2025. Prior to entering the financial industry, she spent several years in full-time education and worked at Ozumo Santana Row LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools. The firm operates as an internal advisory unit within Charles Schwab, delivering advice without discretionary trading authority and typically serving individual clients rather than institutional accounts.

Andrew Scott is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab & Co., Fidelity Investments, and Amazon. 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 for advisory services.

Ryan Marquez is a CFP® and holds a Series 66 license with 11 years of industry experience. He has worked at Empower Advisory Group LLC and Empower Financial Services Inc. since 2026, and previously spent eight years at Charles Schwab Bank and Charles Schwab & Co., Inc., as well as three years with Fidelity Brokerage Services LLC and one year with FIDELITY Personal and Workplace Advisors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and retail brokerage account holders. The firm’s services utilize an integrated model connected to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and managed account solutions focused on long-term portfolio returns and savings rates.

Michael Grimm is a CFP® with 15 years of experience in financial advising. He is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc. since 2026. Prior to this, he worked at Madison Avenue Securities, Csenge Advisory Group, The Wingard Group DBA Wayfinder Group, and TIAA-CREF. Grimm also serves as a senior planner with The Wingard Group DBA Wayfinder Group, providing holistic financial planning and investment advice. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm provides annual financial reviews and investment recommendations, but trading decisions remain with clients.

Samuel Engulu is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 licenses. He has three years of industry experience, including prior roles at Charles Schwab & Co., Inc. and Fidelity Investments. 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 as an internal advisory unit within the Schwab ecosystem and generally does not exercise discretionary trading authority.

Scott Andricks is a financial advisor at Creative Planning with 24 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for Lockton Investment Advisors, Lockton Companies, and Lockton Financial Advisors from 2010 to 2021. Based in Dallas, TX, he has been with Creative Planning since 2021. Creative Planning provides investment advisory and financial planning services to a diverse client base including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning–led investment process that emphasizes low-cost indexing and buy-and-hold strategies, supported by a centralized investment infrastructure and a broad range of affiliated non-investment businesses.

Vanessa Avila is a financial advisor at Sanctuary Advisors, LLC with 19 years of industry experience. She holds a Series 66 designation and previously worked for McGowan Group Asset Management, Inc. for 14 years before joining Sanctuary Advisors in 2025. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse range of clients, including individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm supports its network of over 400 independent advisors through various portfolio management options, financial planning, and retirement plan consulting, employing multiple analytical approaches and offering both onshore and offshore solutions.