Joshua Dietz is a financial advisor with Schwab Wealth Advisory, holding a Series 65 credential and beginning his tenure there in 2026. He has prior experience at Texas Capital Bank Private Wealth Advisors, New York Life, and also led the Dietz Law Firm, PLLC for over a decade. Outside of financial services, he is the owner and president of ECO Group, LLC, a company that receives overriding royalty interests from oil and gas production. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in its own Schwab Wealth Advisory program and certain clients referred by Charles Schwab & Co. The firm’s guidance is based on internal asset-allocation models and research tools, with investment trades executed only upon client approval.

Karl Cole is a CFP® professional with 38 years of experience in the financial services industry. He has worked at Independent Financial Group, LLC since 2017 and previously spent 14 years with LPL Financial LLC. Cole is also a registered representative and owner of a DBA offering securities, insurance, and advisory services, and he holds a notary public commission and a Texas insurance agent license. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm utilizes both firm- and third-party models to develop tailored client strategies, combining active and passive exposures with ongoing portfolio monitoring and due diligence.

Cameron Smith is a CFP® professional with seven years of experience in financial advising. He is currently with Commonwealth Financial Network and Messett Financial, having previously worked at Charles Schwab & Co., Inc., Schwab Wealth Advisory Inc., TD Ameritrade, and several other firms. Prior to his financial career, he held positions at various service and technology companies. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and a broad client base. The firm offers a wide range of managed account programs, access to third-party asset managers, and comprehensive back-office support, managing approximately $212.7 billion in client assets.

Shayan Peerwani is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Charles Schwab & Co., Inc., Charles Schwab Bank, TIAA, and Bank of the Ozarks. 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 Charles Schwab’s asset-allocation models and research tools, offering tailored recommendations based on clients’ goals and risk tolerance, with trades executed only upon client authorization.

Eron Dahl is a financial advisor with Schwab Wealth Advisory Inc., holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked with Charles Schwab and its affiliated firms since 1999, including 14 years specifically with Schwab Wealth Advisory. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab’s proprietary asset-allocation models and internal research tools, with reviews at least annually and recommendations tailored to client goals and risk tolerance.

Alexander Johnston is a financial advisor at Centaurus Financial, Inc. with nine years of industry experience. He holds a Series 66 designation and has been with Centaurus Financial since 2016. In addition to his advisory role, Johnston works as a sales assistant and analyst at Morrison Financial, where he prepares analysis and due diligence for financial products. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of advisory and brokerage services with investment approaches that include fundamental and technical analysis, model overlay programs, and third-party money manager referrals.

Roland Villanueva Jr. is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fisher Investments, Edward Jones, and Charles Schwab & Co., Inc. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and internal research tools.

Kevin Seales is a CFP®-credentialed financial advisor with five years of industry experience, currently with Schwab Wealth Advisory, Inc. in Westlake, TX. His prior roles include positions at Merrill Lynch, Pierce, Fenner & Smith Inc. and Bank of America, N.A. He also maintains a registered representative role with OSAIC Wealth Inc., dedicating part-time hours during trading periods. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using proprietary asset-allocation models and internal research to guide investment decisions.

Eric Cardenas is a financial advisor at Sanctuary Advisors, LLC with 20 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney for over 14 years. He has been with Sanctuary Advisors and its affiliated entity Sanctuary Securities since 2023. Sanctuary Advisors, LLC offers investment advisory and financial planning services to a diverse client base, including high-net-worth individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports a network of more than 400 independent investment adviser representatives, providing portfolio management, retirement plan consulting, and access to multiple account management platforms.

Jose Guerra Jr. is a CFA® charterholder and holds a Series 66 license, currently serving as a financial advisor at Schwab Wealth Advisory with five years of industry experience. His prior roles include positions at JPMorgan Securities LLC and BNP Paribas. Outside of his advisory work, he is a Regional Advisory Board Member for IDEA Public Schools of Tarrant County and serves on the Board of the Fort Worth Hispanic Chamber of Commerce. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program, utilizing Charles Schwab & Co.’s asset-allocation models and research tools. The firm’s approach includes tailored recommendations and annual reviews, with trades executed only upon client authorization.

Susannah Thomas is a CFP® professional with four years of industry experience, currently advising at Allworth Financial, L.P. She previously worked at Grunden Financial Advisory, Inc. for a total of 13 years. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a variety of model strategies and employs technology to manage held-away employer retirement accounts.

Rakesh Patel is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has worked at Charles Schwab since 2017, including his current role at Schwab Wealth Advisory since 2021, and previously worked at TD Ameritrade from 2013 to 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program. The firm utilizes Charles Schwab’s asset-allocation models and internal research tools to offer tailored guidance on a broad range of investment options, with trades executed only upon client authorization.

Bryan Clintsman is a CFP® professional with 26 years of industry experience. He currently works at Focus Partners Wealth, LLC and previously held roles at The Colony Group, LLC, Buckingham Strategic Wealth, LLC, and ran Clintsman Financial Planning for 20 years. He has also been associated with Ernst & Young since 2000. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients, offering wealth management, financial and tax planning, and employee benefit consulting. The firm employs an investment approach that combines active and passive strategies within an enhanced open architecture framework, integrating quantitative analysis and specialized techniques such as options overlays and trend-following.

Steven Hale is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Westlake, TX, bringing 10 years of industry experience. He previously worked at TD Ameritrade and Edward Jones before joining Schwab Wealth Advisory in 2021. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with recommendations tailored to clients' goals and risk tolerance and execution only upon client authorization.

Robert Williams is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Empower Financial Services, The Vanguard Group, and BBVA Securities. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab’s asset-allocation models and research tools to deliver tailored recommendations, with trades executed only upon client authorization.

Bryan Topelsohn is a financial advisor with Eagle Strategies (NY Life) in Flower Mound, TX, holding Series 63 and Series 65 licenses and with 27 years of industry experience. He has been associated with New York Life Insurance Co since 1999 and NYLIFE Distributors LLC since 2003. Outside of his advisory role, he occasionally resells NFL and other event tickets related to his personal seat license. Eagle Strategies serves a diverse client base, including individual investors and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis, operating within an integrated New York Life affiliate structure.

Kirk Badii is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and bringing 15 years of industry experience. His prior roles include positions at Cantella & Co., Raymond James Financial Services, UBS Financial Services, and Credit Suisse Securities. Badii operates marketing entities for securities and advisory services under the names Badii Group Private Wealth Management and Badii Group, LLC. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse clientele, including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers financial planning and portfolio management through multiple platforms and employs a combination of strategic asset allocation, multi-manager portfolios, and a mix of passive and active investment exposures.

Christina Faulkner is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. Her prior roles include positions at Charles Schwab Bank, SSB, SCHW Private Client Investment Advisory, and Charles Schwab & Co., Inc. She is based in Westlake, TX. 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’s guidance is based on internal asset-allocation models and research tools, with investment recommendations tailored to client goals and risk tolerance.

Hallie Fraze is an advisor at Schwab Wealth Advisory with a Series 66 designation and less than one year of industry experience. Her prior work experience includes roles at Charles Schwab & Co., Inc., Charles Schwab, Target, and the University of North Texas. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, with client authorization required for trades.

Zachary Fisher is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 certifications and four years of industry experience. He has worked at Schwab Wealth Advisory since 2022 and has been affiliated with Charles Schwab since 2019. Prior to his advisory role, he held positions at Levi Strauss & Co and the University of North Texas. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s guidance is based on Schwab’s standard asset-allocation models and internal research tools, with client authorization required for all trades.