Karen Chin is a financial advisor with Schwab Wealth Advisory Inc. She holds Series 63 and Series 66 licenses and has 28 years of industry experience. She has been with Charles Schwab and its associated entities since 1997. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Darryl Devlugt is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has been with Charles Schwab and its affiliated advisory units since 2006, serving in his current role at Schwab Wealth Advisory since 2020. 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. The firm utilizes Charles Schwab’s asset allocation models and research tools to guide clients, with advice delivered through a non-discretionary structure within the Schwab ecosystem.

Bethanie Marzolino is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Charles Schwab-affiliated firms since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement and planning discussions, and investment recommendations based on Schwab’s standard asset allocation models and research tools, while clients retain final trading decisions.

Scott Bergin is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and its affiliates since 2017. In addition to his advisory role, he performs light bookkeeping for a family-owned tutoring franchise. 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 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 for advisory services.

Abby Becker is a financial advisor with Schwab Wealth Advisory, holding Series 65 and Series 63 licenses and one year of industry experience. She has worked within Charles Schwab & Co., Inc. since 2024 and joined Schwab Wealth Advisory Inc. in 2026. Prior to her financial services roles, she held positions at Aritzia, Ulta Beauty, and in education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on annual financial reviews and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

Hang Zhao is a financial advisor with Schwab Wealth Advisory Inc., holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab and Equitable Advisors LLC, and spent ten years at C&Es Global Exchange International LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers comprehensive financial reviews and investment recommendations using Schwab's proprietary research tools, with advice delivered through standard asset allocation models while leaving final trading decisions to clients.

Lawrence Tunnell is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab in various capacities since 2011. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across a range of asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly, distinguishing its model from many other enterprise wealth managers.

Erica Ngo is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Charles Schwab & Co., Inc. since 2012, with a brief tenure at Barrister Title Services, Inc. and one year not employed during 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary 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 advisory and operating model from many enterprise wealth managers.

Natalie Mason is a CFP® and holds a Series 66 license, with 23 years of experience in the financial industry. She is currently with Truist Advisory Services and has a work history that includes roles at BB&T Securities, SunTrust Bank, and various SunTrust investment entities dating back to 2012. Truist Advisory Services provides investment consulting and advisory services to individual investors, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Americo Garcia is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 licenses and one year of industry experience. He has worked at Schwab Wealth Advisory, Charles Schwab & Co., Inc., Chase, Publix, M&G Trimming, and Target in various roles since 2018. 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 Charles Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and typically does not charge clients directly for advisory services.

Stephen Watkins is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and bringing 23 years of industry experience. He has worked with Charles Schwab since 2014 and with Schwab Wealth Advisory since 2021. 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, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not engage in discretionary portfolio management directly.

Matthew Labar is a financial advisor at Schwab Wealth Advisory, Inc. based in Orlando, FL. He holds the Series 66 designation and has two years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab from 2021 and held positions at Berkshire Hathaway Guard, Sherwin-Williams, and Dick's Sporting Goods. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients 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 generally does not exercise discretionary trading authority.

Natalie Kotroba is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and its affiliates since 2004, including seven years at Schwab Wealth Advisory. In addition to her advisory role, she serves as a member of the finance committee board at St. Mary Magdalen Catholic School, where her children attend. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, delivering recommendations based on Schwab’s asset allocation models and research tools. The firm conducts annual reviews and offers investment guidance without discretionary trading authority, operating as an internal advisory unit within the Schwab ecosystem.

Rene Aranda is a CFP® professional with 24 years of industry experience, currently serving at Schwab Wealth Advisory since 2025. His prior roles include positions at Charles Schwab and USAA, with over a decade of experience in financial planning and investment management. Outside of finance, he is involved in retail distribution for AdvoCare, a health and wellness company. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on standardized asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

Emanuel Guillen is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. He has two years of industry experience, including roles with Schwab Wealth Advisory and Charles Schwab since 2023. Prior to this, he worked in education and was involved with the Sea King Seafood Market and Waverly Woods Golf Club. 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 operates within the Schwab ecosystem using standard asset allocation models and research tools, with advice delivered through an internal advisory unit rather than direct client billing.

Shane Mahadeo is a financial advisor with Transamerica Financial Advisors holding a Series 66 designation and two years of industry experience. His prior work includes roles at USHEALTH Advisors Orlando, World Financial Group Insurance Agency, and several entrepreneurial ventures such as Mahindra Enterprises Inc. and Mahasha Mobile Car Detailing INC. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services through proprietary and third-party investment models, managing over $2 billion in assets under management as of the end of 2025.

Kirby Massey is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Charles Schwab & Co., Addition Financial, and the University of Central Florida. Massey is based in Orlando, FL. 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. The firm delivers advice through standard asset allocation models and Schwab research tools, with final investment decisions made by clients.

Scott Free is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 65 licenses. He has 12 years of industry experience, with prior roles at Freedom Resources and USAA financial entities. 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 based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

Nathan Male is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has worked with Charles Schwab since 2008 and has been with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm delivers advice through Schwab's asset allocation models and research tools, with associates recommending allocations while clients retain final trading decisions.

Kenneth Spafford is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds the Series 66 designation and has previously worked at MassMutual Investors Services, MassMutual, and MassMutual Trust Company, FSB. He is based in Orlando, FL. 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 research tools and standard asset allocation models. The firm does not exercise discretionary trading authority and is structured as an internal advisory unit within the Schwab ecosystem.