Michelle Sils is a financial advisor with Schwab Wealth Advisory in Orlando, FL. She holds Series 63 and Series 65 licenses and has five years of industry experience, including roles at TD Ameritrade and Charles Schwab & Co. Prior to her financial career, she worked in automotive sales at BMW and in other industries. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on Charles Schwab’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Ryan Beesmer is a CFP® and Series 63-registered advisor with Schwab Wealth Advisory, based in Orlando, FL. He has seven years of industry experience, including roles at Charles Schwab & Co., Inc., Schwab Wealth Advisory Inc., and Lincoln Investment. His background also includes positions at Fidelity Brokerage Services and involvement in a congressional campaign. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations with client-approved trade executions.

Gregory Black is a financial advisor at Schwab Wealth Advisory with 30 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Charles Schwab and Schwab Wealth Advisory since 1997. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on internal research and asset-allocation models, with client trades executed only upon authorization.

Thomas Talmage III is a financial advisor with Independent Financial Partners, holding Series 65 and Series 63 licenses and bringing 18 years of industry experience. He has worked at firms including LPL Financial and operates multiple business ventures focusing on wealth management, exit planning, and estate planning services. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent representatives. The firm supports a multi-advisor platform serving tens of thousands of clients and offers both decentralized investment strategies and centralized asset management options, with a notable focus on retirement-plan advisory and pension consulting.

Jacob Descoteau is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 66 and Series 63 licenses and one year of industry experience. He has been with Schwab Wealth Advisory since 2026 and also has experience with Charles Schwab & Co., Inc. Outside of financial services, he has worked in the restaurant industry and retail. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Denise Hoffmann is a financial advisor at Steward Partners Investment Advisory, LLC with 19 years of industry experience. She holds a Series 66 designation and previously worked for Merrill for 31 years. She is based in Winter Park, FL. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets and serving individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, estates, and charitable organizations. The firm offers a range of investment advisory and financial planning services through both discretionary and non-discretionary portfolio management options, leveraging internal solutions and third-party money managers.

Kacper Majerczyk is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Schwab Wealth Advisory with two years of industry experience. Prior to his advisory role, he spent several years in full-time education and operated a self-employed business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s investment approach uses Charles Schwab’s asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Shawn Younglove is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2018 and previously at US Bank. Outside of his advisory role, he operates a dog sitting business through an online app. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm offers asset allocation guidance and investment selection based on Schwab’s internal research tools, executing trades only with client authorization and typically recommending separately managed accounts handled by third-party or affiliated managers.

Gregory Nassar is a financial advisor at Carson Wealth with four years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Ogden Wealth LLC and CWM, LLC. Outside of his advisory role, he is involved in real estate sales and rental inspections through part-time positions. CWM, LLC is an SEC-registered investment adviser overseeing approximately $50.6 billion through a network of more than 650 advisors. The firm offers discretionary asset management, financial planning, retirement plan services, and utilizes a committee-driven approach to portfolio construction combining fundamental and technical analysis.

Tyler Watkins is a CFP® with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has worked at Charles Schwab since 2022 and previously managed unarmed security services at U.S. Tactical Security Solution. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using standardized asset-allocation models and internal research tools tailored to individual goals and risk tolerance.

Brady Clar is a CFP® and CFA® professional with 26 years of industry experience. He has worked at Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc. since 2018, following prior roles at Morgan Stanley and Morgan Stanley Private Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, utilizing proprietary asset allocation models and research tools to tailor recommendations to individual goals and risk tolerance.

Blair Smith is a CFP®-certified financial advisor with two years of industry experience, currently with Schwab Wealth Advisory in Orlando, FL. Prior to this, Smith worked at Matthias Private Wealth, The Vanguard Group, and other financial firms. 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 based on asset allocation models and internal research tools.

Jacob Buchman is a financial advisor with Schwab Wealth Advisory possessing five years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Fidelity Investments, Wells Fargo Clearing Services, TD Ameritrade, and Truist. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled 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 research tools, with trades requiring client authorization and regular reviews tailored to individual goals and risk tolerance.

Hong Dai is a financial advisor at Transamerica Financial Advisors with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Transamerica since 2012. His professional background includes roles at World Financial Group and various Longwin entities, where he is involved in activities such as tax filing and property management. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary and third-party model portfolios, providing discretionary and non-discretionary management options.

Maxx Soulliere is a CFP® professional with six years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Orlando, FL. His background includes roles at Infinex Investments, Citizens First Bank, and AXA Advisors, among others. Schwab Wealth Advisory 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, using proprietary asset-allocation models and internal research tools to tailor recommendations according to client goals and risk tolerance.

William Kelly is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016 and joined Schwab Wealth Advisory in 2025. 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-referred clients. The firm uses asset-allocation models and internal research tools to tailor recommendations to each client’s goals and risk tolerance, with trades executed only upon client authorization.

Rudolph Saint Cyr is a CFP® professional with over 32 years of experience in the financial industry. He has been with Charles Schwab & Co., Inc. since 2005 and joined Schwab Wealth Advisory Inc. in 2016. Outside of his advisory work, he is also active as an actor and model and provides DJ services for private events. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and research tools to deliver tailored recommendations.

Alondra Arenas is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials and one year of industry experience. She has previously worked at Charles Schwab & Co., Inc. and JPMorgan Chase & Co. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm uses asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance, with trades executed only upon client authorization.

Shawn Davis is a financial advisor with Schwab Wealth Advisory Inc. in Orlando, FL, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has been associated with Charles Schwab since 1999. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm follows Charles Schwab & Co.’s asset-allocation models and internal research tools, offering tailored recommendations with annual reviews and emphasizing client authorization for all trades.

Adam Klopfenstein is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He holds the Series 66 designation and has previously worked at firms including Rocket Companies, Fidelity Investments, Merrill, Bank of America, and TD Ameritrade. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab & Co.’s asset allocation models and internal research tools to deliver investment guidance, with trades executed only upon client authorization.