Mercedez Duong is a CFP® professional with two years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Her career includes roles at Charles Schwab & Co., Inc., Evensky & Katz / Foldes Wealth Management, and Kennedy Financial Services. Prior to her advisory roles, she spent several years in education at Texas Tech University and Odessa College. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations primarily through Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on client-directed investment decisions without exercising discretionary trading authority.

Mark Phillips is a financial advisor with Eagle Strategies (New York Life) and holds the Chartered Financial Consultant (ChFC®) designation along with a Series 63 license. He has 44 years of industry experience, including over 30 years at New York Life and Nylife Securities Inc., as well as more than 35 years with Business Men's Assurance. He is also a 7% owner of a family farm, Phillips Farm Inc., which is unrelated to his financial advisory work. Eagle Strategies serves a diverse client base, including individual investors and institutional plans, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with most assets managed on a non-discretionary basis.

David Hoover is a CFP® and CFA® charterholder with 12 years of industry experience. He has worked at Charles Schwab and its affiliated entities since 2015, including roles at Schwab Private Client Investment Advisory, Inc. and Schwab Wealth Advisory. Prior to this, he was with WNB Financial for one year. Schwab Wealth Advisory, Inc. 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. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Salko Sipic is a CFP® professional with three years of industry experience, currently serving at Schwab Wealth Advisory. His prior roles include positions at TIAA and First Western Trust Bank. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering clients financial reviews, retirement planning, and investment recommendations while leaving final trading decisions to clients. The firm utilizes Schwab’s asset allocation models and research tools and does not exercise discretionary trading authority.

Jonathan Fritsche is a financial advisor at Schwab Wealth Advisory with 22 years of industry experience. He holds the Series 66 designation and has worked within the Schwab organization since 2009, including roles at Charles Schwab Bank, SSB, and Schwab Wealth Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standardized asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations, with final trading decisions made by clients.

Devin Heitman is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Charles Schwab & Co., Inc., Nuveen, A TIAA Company, and TIAA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through its Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, 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, distinguishing its approach from many other wealth managers.

Blake Lazear is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked with Charles Schwab and its affiliated entities since 2007, including nine years at Charles Schwab Bank. Lazear is a silent owner and CFO of a family-owned computer knit products business but is not involved in its operations. 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 based on Schwab’s research tools and asset allocation models.

John Huddleston is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 63 and Series 65 licenses and has 17 years of industry experience. His prior work includes roles at Charles Schwab & Co., TD Ameritrade, Scottrade, Madyson Capital Management, Fidelity, and T. Rowe Price Advisory Services. 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. The firm focuses on annual financial reviews and wealth management education, delivering advice without discretionary trading authority.

Michael Beermann is a financial advisor at CWM, LLC with 22 years of industry experience. He holds a Series 66 designation and has worked at firms including Axcent Private Capital, Aveo Capital Partners, and DMK Advisors. His career spans multiple roles in wealth management leading up to his current position. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm offers portfolio management, financial planning, sub-advisory, and retirement-plan services, employing model portfolios overseen by an in-house Investment Committee and integrating both fundamental and technical analysis.

Cole Butler is a CFP® professional with five years of industry experience, currently with Schwab Wealth Advisory. He has worked at Charles Schwab & Co., Inc. since 2020 and joined Schwab Wealth Advisory, Inc. in 2025. Prior to this, he held roles at Huya Bioscience and First Bank, alongside periods as a student. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual reviews, retirement and financial planning, and investment recommendations primarily guided by Schwab’s asset allocation models and research tools.

Porter Draper is a Series 66-licensed financial advisor with 19 years of industry experience, currently practicing at Schwab Wealth Advisory in Lone Tree, Colorado. His prior work includes roles at Moloney Securities, Cetera Advisors, and RBC Capital Markets. He has been with Charles Schwab & Co., Inc. and its Wealth Advisory division since 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering financial reviews and investment recommendations that utilize 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, distinguishing its approach from many other enterprise wealth managers.

Keys Tinney is a CFP® with 27 years of industry experience. He is currently with CWM, LLC and Carson Wealth, and has previously worked at Blue Sky Asset Management, Stephen A. Kohn & Associates, and Aveo Capital Partners. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages discretionary accounts using model portfolios and combines fundamental and technical analysis, third-party sub-advisors, and customization tools, with a focus on retirement plans, institutional services, and transparent conflict disclosures.

David Dershteller is a financial advisor at Key Investment Services LLC with 11 years of industry experience. He holds the Series 66 designation and has previously worked at UMB Bank and PNC Bank and Investments. He has been with Key Investment Services since 2018. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client direction in investment choices and provides oversight and due diligence for third-party advisory products while leveraging its affiliations within the KeyCorp group.

Yusuf Yilmaz is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and 10 years of industry experience. He previously worked at Fidelity Investments in various roles from 2015 to 2025 before joining Schwab in 2025. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual 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, with clients retaining final trading decisions.

Matthew Gehring is a CFP® professional with 22 years of industry experience currently with Schwab Wealth Advisory Inc. He has been with the Schwab organization since 2014, including roles at Schwab Private Client Investment Advisory, Inc. from 2014 to 2022 and Schwab Wealth Advisory since 2022. Schwab Wealth Advisory, Inc. provides non‑discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory (SWA) program, using standard asset allocation models and Schwab research tools to support client investment decisions. The firm conducts at least annual account reviews and generally does not exercise discretionary trading authority, distinguishing it within the Schwab ecosystem.

Kasey Mc Curdy is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Lone Tree, CO. Mc Curdy has held various roles within Charles Schwab since 2014, including positions at Charles Schwab Investment Advisory, Inc. and Charles Schwab. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering annual financial reviews, retirement and planning discussions, 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 exercise discretionary trading authority, with discretionary management typically handled by affiliated or third-party money managers.

Melanie Cravens is a CFP® professional with 26 years of industry experience. She is currently affiliated with Commonwealth Financial Network and is the owner of Pillar Wealth Management of Colorado, LLC. Prior to her current roles, she worked at Charles Schwab and Charles Schwab Bank for over two decades. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, offering a variety of advisory programs and services including wealth management and retirement plan consulting. The firm provides operational support, investment management, and compliance services while allowing advisors discretion in portfolio construction.

Andrew Mc Morrow is a financial advisor with Schwab Wealth Advisory who holds the Series 63 and Series 66 designations and has 10 years of industry experience. His career includes roles at Charles Schwab Bank and Charles Schwab prior to joining Schwab Wealth Advisory in 2023. Outside of his advisory work, he serves as an ice hockey referee in the Denver Metro area and is a parent volunteer team treasurer for the Colorado Rapids Youth Soccer Club. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm conducts annual account reviews and offers investment recommendations without exercising discretionary trading authority.

Courtney Babb is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2015. She has been associated with Charles Schwab & Co., Inc. since 2012. 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 across a range of securities. The firm operates as an internal advisory unit within the Schwab ecosystem and emphasizes client-directed decision-making supported by Schwab’s research tools and standard asset allocation models.

Nicholas Yeros 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 since 2017, including his current role at Schwab Wealth Advisory since 2021. Prior to that, he spent one year at Atmos Energy Corporation. 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 using standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.