Laura Luckey is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 designations. She has 35 years of industry experience and has worked with Charles Schwab since 1999, including 14 years at Schwab Wealth Advisory. 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 serves individual investors through annual reviews and investment recommendations without exercising discretionary trading authority.

Andrew Larison is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 designations and nine years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016 and with Schwab Private Client Investment Advisory since 2018. 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 utilizing 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 advisory services.

Beni Benavidez is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory since 2019, following a two-year tenure at Merrill Lynch Bank of America. Outside of his advisory role, he is a partner and statutory agent at Han Pan Bakery L.L.C., a food and beverage production business operated by his wife. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, 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. and does not manage client accounts on a discretionary basis.

Panagiotis Andrianakos is a CFP®-certified financial advisor with eight years of industry experience. He has worked at TIAA-CREF from 2017 to 2025 before joining Schwab Wealth Advisory Inc. and Charles Schwab in 2025. Prior to his financial services career, he operated Highlands Wine Seller for four years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers advice through standardized asset allocation models and Schwab research tools, with associates recommending investment strategies while clients retain final trading decisions.

Andrew Feeney is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO. He holds the Series 66 designation and has four years of industry experience, including roles at Charles Schwab & Co., Inc. and Equitable Advisors. Prior to his advisory career, he operated a power washing business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, delivering services such as financial reviews, retirement planning, and investment recommendations using Schwab's 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.

Marc Andersen is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2000 and has been with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering 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 using Schwab’s standard asset allocation models and research tools while leaving final trading decisions to clients.

Joseph Gard is a financial advisor with PNC Wealth Management in Castle Rock, Colorado, holding Series 63 and Series 66 licenses. He has four years of industry experience, including prior roles at Bank of America, Merrill, Charles Schwab, and the Credit Union of Colorado. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithmic risk assessment and approved third-party strategies to manage client portfolios with mutual funds and ETFs.

Douglas Askins is a CFP® professional with 11 years of experience in financial advisory roles. He has worked at Schwab Wealth Advisory since 2021 and held prior positions at Charles Schwab and USAA, focusing on investment management and financial planning. His credentials include Series 65 and Series 63 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, utilizing Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and employs a cost-and-expense plus payment structure rather than directly charging clients.

Luke Bumanglag is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 11 years of industry experience. He has worked at Charles Schwab and its affiliated entities since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within Charles Schwab & Co., using standard asset allocation models and Schwab research tools, with advisors recommending investments while clients retain final trading decisions.

Matthew Karp is a financial advisor with Transamerica Retirement Advisors, LLC, possessing Series 65 and Series 63 licenses and nine years of industry experience. He has worked at Transamerica Life Insurance Company and Transamerica Investors Securities Corporation since 2019 and has prior experience at OppenheimerFunds Distributor, Inc. and Anthem Health Services. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice, advisor-managed advice, and investment education services. The firm utilizes proprietary software and model portfolios from Morningstar Investment Management to deliver asset allocation and retirement guidance at scale.

Amy Obert is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 25 years of industry experience. She has worked at Charles Schwab and affiliated firms since 2000 and is also owner of Matt and Amy Obert LLC, a separate non-investment-related business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools.

Olivia Dudley is a financial advisor at Schwab Wealth Advisory, holding a Series 66 designation with four years of industry experience. She has worked at various Charles Schwab entities since 2021 and has prior experience in senior living and club management roles. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering 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, delivering advice without discretionary trading authority and serving primarily individual clients.

Michael Cotter is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked with Schwab Wealth Advisory and Charles Schwab since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm delivers investment recommendations while leaving final trading decisions to clients and conducts annual account reviews without discretionary trading authority.

Michael Brennan is a financial advisor with Schwab Wealth Advisory, holding Series 65, 63, and 66 licenses and bringing 16 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across a range of securities. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice supported by proprietary research tools and standard asset allocation models, with clients retaining final trading decisions.

Lisa Sveland is a financial advisor with Schwab Wealth Advisory, holding Series 65 and Series 63 licenses and four years of industry experience. Her prior work includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and Nordstrom. Schwab Wealth Advisory 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 across a range of securities. The firm operates within the Schwab ecosystem and uses standard asset allocation models and research tools, with final trading decisions made by clients.

Nathan Nicholson is a financial advisor with Schwab Wealth Advisory and holds the Series 63 and Series 66 designations. He has 16 years of industry experience and has worked with Charles Schwab since 2009, including eight years at Schwab Wealth Advisory. 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 various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and Schwab research tools without exercising discretionary trading authority.

Samuel Choi is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Key Investment Services LLC, Fidelity Investments, Wells Fargo, and TIAA-CREF. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary digital portfolio solution available by invitation to employees. The firm employs algorithm-driven risk assessments and delegates portfolio implementation to third parties, focusing on mutual funds and ETFs with annual rebalancing.

James Robertson is a financial advisor with Schwab Wealth Advisory and holds the Series 63 and Series 66 licenses. He has nine years of industry experience, including roles at Charles Schwab & Co., Inc. since 2016 and Schwab Wealth Advisory Inc since 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, utilizing Schwab’s standard asset allocation models and research tools. The firm focuses on annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Stephanie L Her is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. since 2017. Prior to that, she was with M.J. Smith & Associates for one year. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering investment recommendations and annual financial reviews without exercising discretionary trading authority. The firm operates as an internal advisory unit within the Schwab ecosystem and serves primarily individual clients through standardized asset allocation models and Schwab research tools.

Ami Beck is a financial advisor with Schwab Wealth Advisory Inc. based in Lone Tree, CO. She holds Series 63 and Series 66 licenses and has eight years of industry experience. Prior to her current role, she worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, as well as Raytheon. Schwab Wealth Advisory 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 investment allocations and conducts at least annual account reviews without exercising discretionary trading authority.