Jennifer Smith is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. She has worked at Schwab Wealth Advisory and Charles Schwab since 2017 and previously spent 11 years at Merrill. She holds Series 63 and Series 65 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory (SWA) program, offering services such as 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 act as a discretionary portfolio manager.

Lauren Richardson is a CFP® with eight years of industry experience, currently serving as an advisor at Kestra Advisory. She has held advisory roles at Kestra Advisory Services and Kestra Investment Services, among other positions, since 2017. Outside of her advisory work, she is involved with PROPLANCO MANAGEMENT LLC, focusing on insurance client management, and manages a real estate property in Denver. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base that includes large institutional investors such as sovereign wealth funds.

Scott Watson is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds a Series 66 designation and has worked at Schwab Wealth Advisory since 2020, with prior experience at Charles Schwab & Co., Townsend, and Waddell & Reed. 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 across a range of securities. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with final trading decisions made by clients.

Clayton Holloway is a CFP® professional with 27 years of experience in the financial industry. He has been with Charles Schwab since 1999 and has worked at Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers advice through standard asset allocation models and Schwab research tools, recommending specific investments while leaving final trading decisions to clients.

David Seems is a financial advisor with Principal Financial Services in Highlands Ranch, CO. He holds the ChFC® designation and Series 63 license, and has 43 years of industry experience. He is the owner of Business Advisors, LLC, a firm he has operated since 2002, and has worked with Principal Life Insurance Company and Princor Financial Services Corporation since 2004. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs through both advisory and promoter arrangements.

Mandy Tate is a financial advisor with Schwab Wealth Advisory Inc., holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has worked within the Charles Schwab organization since 1999, including roles at Charles Schwab Bank from 2005 to 2020. 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 primarily based on Schwab’s proprietary research and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab, delivering advice without discretionary trading authority and serving primarily individual clients rather than institutional accounts.

Keith Murphy is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has held roles at Charles Schwab since 2018 and previously worked at Jack Rabbit. 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 offers annual financial reviews, retirement and planning discussions, and investment recommendations while leaving final trading decisions to clients.

Brian Rorick is a CFP® professional with 24 years of industry experience, currently serving at CWM, LLC. He has previously worked at Axcent Private Capital, Aveo Capital Partners, DMK Advisor Group, and Stephen A. Kohn & Associates. Outside of his advisory role, he is CEO of Organic Vines, LLC, an agricultural business, and a board member of Chesterton Academy of Our Lady of Victory, a charitable organization. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutions through a large network of advisors. The firm offers portfolio management, financial planning, sub-advisory services, and retirement-plan solutions, employing discretionary model portfolios and combining fundamental and technical analysis with third-party sub-advisors and customization tools.

Sean Mc Bride is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. since 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm’s advice is based on Schwab’s standard asset allocation models and research tools, with clients retaining final trading decisions.

Kristin Mann is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 15 years of industry experience. She has worked with Charles Schwab & Co., Inc. and its affiliated advisory units since 2010. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab & Co., Inc., focusing on client-directed trading decisions and annual account reviews.

Ethan Rivas is a Series 66-licensed financial advisor with nine years of industry experience. He is currently with Schwab Wealth Advisory and has previously worked at Charles Schwab & Co., Inc., Charles Schwab Bank, Bank of America, N.A., and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers advice through standard asset allocation models and Schwab research tools, with advisors recommending allocations and investments while clients retain final trading decisions.

Amanda Atun is a financial advisor at Steward Partners Investment Advisory, LLC with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at UBS Financial Services Inc., Morgan Stanley, and Charles Schwab. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in assets. The firm serves individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, and charitable organizations, offering a range of investment advisory and financial planning services.

Edward Loughry is a CFP® with 25 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. in Lone Tree, CO. His background includes roles at Charles Schwab & Co., Inc. and New England Securities, along with operating his own advisory business since 2015. Outside of finance, he is active as a musician, performing and teaching guitar locally. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, focusing on financial reviews, planning discussions, and investment recommendations delivered through Schwab’s research tools and asset allocation models.

Lincoln Straub is a financial advisor at Schwab Wealth Advisory with one year of industry experience. He holds a Series 66 designation and has prior experience at Charles Schwab and Indiana Members Credit Union. Before entering the financial industry, he spent several years in full-time education and has held positions outside finance, including at Chick-fil-A and a health center. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standardized asset allocation models and Schwab research tools to support client recommendations, focusing on annual reviews without discretionary trading authority.

Marcus King Stockton is a CFP® with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has worked at Charles Schwab & Co., Inc., Prudential Insurance Company of America, Travelers, Burns and Wilcox, and Allstate. Outside of his advisory role, he trains youth basketball. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through 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.

Stephen Symsack is a CFP®-credentialed financial advisor with six years of industry experience, currently serving at Schwab Wealth Advisory, Inc. He has worked at Charles Schwab & Co., Inc. and TD Ameritrade, among other firms. Symsack is based in Lone Tree, Colorado. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, planning discussions, and investment recommendations using Schwab's research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority.

Brian Miserlian is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 licenses. He has 12 years of industry experience, including prior roles at Fidelity and CapFinancial Securities. He is currently based in Lone Tree, Colorado. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations through Charles Schwab’s asset allocation models and research tools. The firm conducts annual account reviews without exercising discretionary trading authority, distinguishing its client service approach within the Schwab ecosystem.

Elizabeth Garmatz is a CFP® professional with 22 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. She has been with Charles Schwab since 2014 and joined Schwab Wealth Advisory in 2023. 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 discussions, and investment recommendations across various asset types. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly, focusing on recommendations without discretionary trading authority.

Scott Fellows is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and bringing 18 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2007. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations across a range of securities. The firm operates within the Schwab ecosystem, using standard asset allocation models and research tools while clients retain final trading decisions.

Katherine Thomas is a CFP® with nine years of industry experience and is currently with Schwab Wealth Advisory, Inc. She previously worked at LPL Financial, LLC for 13 years and has experience with Charles Schwab & Co., Inc. and the CIEP Clinic at Sturm College of Law. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm serves clients with financial reviews and investment recommendations but does not exercise discretionary trading authority, distinguishing its approach from many other enterprise wealth managers.