Jeffrey Baclawski is a CFP® and ChFC® with 25 years of industry experience. He has worked at Schwab Wealth Advisory since 2017 and has prior experience at Strategic Advisers, Inc. and Fidelity Brokerage Services LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab's asset allocation models and research tools to recommend investments while leaving final trading decisions to clients, conducting annual account reviews without discretionary trading authority.

Aaron Walles is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 66 and Series 63 licenses and has six years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Fidelity Brokerage Services and Charles Schwab Bank. Outside of his advisory role, he operates BikeDoor2Door LLC, a mobile bicycle repair and maintenance business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on annual financial reviews and investment recommendations delivered through Schwab’s standard asset allocation models and research tools.

Megan Andrews Covell is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has been with Charles Schwab and its affiliated advisory firms since 1999, including 12 years specifically at Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory (SWA) program, offering clients annual financial reviews and investment recommendations based on standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on client-directed investment decisions rather than discretionary portfolio management.

Amer Tipura is a financial advisor at Key Investment Services LLC with eight years of industry experience. He holds a Series 66 designation and has previously worked at Raymond James Financial Services Advisors, Inc., MassMutual Life Insurance Co, and MML Investor Services, LLC. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs, model portfolios, and managed accounts. The firm emphasizes client investment direction and model selection, with financial professionals providing recommendations and ongoing monitoring.

Jason Teran is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. He has been with Schwab Wealth Advisory since 2018 and has worked at Charles Schwab since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice as part of the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations utilizing Schwab's asset allocation models and research tools. The firm operates within the Schwab ecosystem, delivering advice without discretionary trading authority and serving primarily individual clients.

Anthony Monraz is a CFA® charterholder and holds a Series 66 license with six years of industry experience. He currently serves as a financial advisor at Schwab Wealth Advisory in Lone Tree, CO. His prior experience includes roles at JP Morgan, ALPS Distributors, Inc., and ArrowMark Partners. He is also an executive committee board member of the CAIA Rocky Mountain Chapter, a volunteer position within a local professional investment organization. Schwab Wealth Advisory 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 using Schwab’s research tools and standard asset allocation models.

Jake Donahue is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Schwab, he served five years in the United States Army and has experience in various roles including work with the City of Laramie Mosquito Control and Gypsum Floors of Denver. He serves as a trustee for the Stephen Cmar Army ROTC Scholarship Fund, assisting with fundraising and organizational functions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations across a range of securities. The firm operates within the Schwab ecosystem and does not exercise discretionary trading authority, focusing instead on client-directed investment decisions.

Nathaniel Miller is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab and Fidelity in various advisory and brokerage roles. Outside of his advisory work, he owns a real estate business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, utilizing Schwab’s research tools and asset allocation models to support financial planning and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees for its advisory services.

Alex Mindemann is a CFP® professional with nine years of experience in the financial services industry. He has worked at Schwab Wealth Advisory Inc. since 2021 and has been affiliated with Charles Schwab & Co., Inc. since 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients 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 and delivers advice without discretionary trading authority.

Melissa Harper is a financial advisor at Brookstone Capital Management LLC with 10 years of industry experience. She holds the Series 65 and Series 66 designations and has worked at Morgan Stanley, Regal Investment Advisors, and Brookstone Capital Management since 2018. Harper is a licensed insurance agent and actively sells insurance and annuity products. Brookstone Capital Management provides fee-based asset management and financial planning services to a diverse client base, including individuals, retirement plans, corporations, and trusts. The firm employs a range of investment strategies, including strategic and dynamic asset allocation models, ETFs, mutual funds, individual securities, and options-enhanced strategies, while also serving as a sub-advisor to other advisory programs.

Lisanne Beard is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. She has worked extensively within the Charles Schwab organization in various roles since 2016. 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 utilizing Schwab’s proprietary research tools and asset allocation models.

Timothy Bellora is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His career includes roles at Charles Schwab & Co., Inc. since 2000 and Charles Schwab Bank, SSB from 2006 to 2017. 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 across various asset classes. The firm uses standard asset allocation models and Schwab research tools, with advisors recommending investments but leaving final trading decisions to clients.

Jake Kraus is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo and Charles Schwab. His career background includes roles in both financial services and education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab’s asset allocation models and research tools to recommend investments while leaving final trading decisions to clients.

James Garrus III is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has worked with Charles Schwab and its affiliated entities since 2008. Outside of finance, he operates a woodworking business creating and selling handcrafted items such as cutting boards and holiday decor. Schwab Wealth Advisory, Inc. 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 conducts annual account reviews and recommends investments without exercising discretionary trading authority.

Grace Kelly is a Certified Financial Planner (CFP®) with 10 years of industry experience. She is currently with Schwab Wealth Advisory Inc. and has previously worked at First Oak Wealth Management LLC and Charles Schwab & Co., Inc. Grace holds the Series 66 and Series 63 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Wealth Advisory program, offering services such as 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 and does not charge clients directly for its advisory services.

Eric Swanson is a CFP® with 22 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. He has held roles within Charles Schwab & Co., Inc. since 2017 and has prior experience at Key Bank, Uber, Lyft, and TIAA-CREF. Outside of his advisory work, Swanson volunteers with a nonprofit organization that supports youth dance programs by assisting at fundraising events. 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 and investment recommendations through Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on non-discretionary advice and collaborating with affiliated money managers for discretionary portfolio management.

Jack Kauss is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and having eight years of industry experience. He has been with Schwab Wealth Advisory since 2020 and has worked at Charles Schwab & Co., Inc. since 2017, following a prior role at US Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services including financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and research tools while leaving final trading decisions to clients.

Isabella Muturi Sauve is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at J.P. Morgan Securities, JPMorgan Chase Bank, and TIAA-CREF. Outside of her advisory role, she is involved in healthcare services as a care provider for her mother. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standardized asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations while clients retain final trading decisions.

David Harper II is a financial advisor with Brookstone Capital Management LLC in Castle Rock, CO, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has worked at Regal Investment Advisors, LLC since 2016 and has been associated with Cornerstone Financial Consultants since 1997, which is the name he uses for marketing. Outside of advisory work, he is a licensed insurance agent and sells insurance and annuity products. Brookstone Capital Management is an SEC-registered adviser providing fee-based asset management and financial planning to a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other RIAs, sovereign wealth funds, and banking institutions. The firm delivers investment management primarily through discretionary model portfolios, unified managed accounts, and separately managed accounts, supporting a large advisor network with back-office and turnkey asset management platform services.

Jacob Garcia is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Schwab Wealth Advisory, Garcia has worked at Charles Schwab & Co., Inc. and has diverse experience across several industries including behavioral health and food service. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program. The firm serves individual clients using standard Schwab asset allocation models and research tools, offering investment recommendations without exercising discretionary trading authority.