Paul Shockley is a financial advisor with Integrity Alliance, LLC, holding Series 65 and Series 63 licenses and bringing 29 years of industry experience. His previous roles include positions at Lion Street Financial, Park Avenue Securities, Guardian Life Insurance, and AXA Advisors. Outside of his advisory work, he is involved in an investment club and works in life insurance sales targeting high-net-worth clients. Integrity Alliance serves a diverse client base, including individual investors, corporations, and qualified retirement plans, through a large network of independent advisors managing over $5 billion in assets. The firm offers portfolio management, financial planning, and access to various investment platforms, blending discretionary and non-discretionary approaches across multiple strategies.

Gregg Niesyty is a financial advisor with Schwab Wealth Advisory, holding Series 63, 65, and 66 credentials and 28 years of industry experience. He has been with various Charles Schwab entities since 1999. Outside of his advisory role, he serves as a board member for the Park Meadows Metropolitan District, overseeing community improvement projects funded by local taxes. 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 based on Schwab’s asset allocation models and research tools.

Katherine Garrus is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 2000. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm uses standard asset allocation models and Schwab research tools, with recommendations made by advisors while clients retain final trading decisions.

James Lauterbach is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and with 26 years of industry experience. He has been with Schwab Wealth Advisory Inc. since 2012 and with Charles Schwab since 2000. 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 across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through proprietary asset allocation models without discretionary trading authority.

Melody Chamberlain is a financial advisor with Schwab Wealth Advisory and holds Series 66 and Series 63 licenses. She has nine years of industry experience and has been with Charles Schwab since 2017. Prior to her financial services career, she spent ten years in the home inspection business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering 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 provide discretionary portfolio management.

Aaron La Point is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has been with Charles Schwab since 1999 and joined Schwab Wealth Advisory in 2012. Outside of his advisory role, he is a part owner of a healthcare services business in Greenwood Village, Colorado, where he contributes on a limited basis. 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 primarily through standardized asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority.

Jared Hoffman is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He has held roles at Charles Schwab since 2016 and at Schwab Wealth Advisory Inc. since 2017. Prior to his financial services career, he worked at Waterway Gas & Wash Co. for 16 years. 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 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.

Jayme Cross is a CFP®-certified financial advisor with 27 years of industry experience, currently with Schwab Wealth Advisory, Inc. in Lone Tree, CO. Her prior experience includes roles at TIAA, TIAA-CREF, and LPL Financial. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and tailored 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 engage in discretionary portfolio management.

Stefan Azcarate is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. He has previously worked at Charles Schwab and JPMorgan Chase, among other positions. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering 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 directly charge clients fees, distinguishing itself from many other enterprise wealth managers.

Nassiratou Chabi is a financial advisor at Schwab Wealth Advisory with Series 66 and Series 63 designations and four years of industry experience. She has worked at several firms, including Charles Schwab & Co., Inc., Nordstrom Bank, and Catholic Charities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm uses standard asset allocation models and Schwab research tools, with advisors recommending investments while clients retain final trading decisions.

Randall Sims is a CFA® charterholder with 24 years of industry experience, currently serving at Schwab Wealth Advisory in Lone Tree, Colorado. He has been with Schwab Wealth Advisory and Charles Schwab since 2015. Sims was previously owner of a construction business, Master Restorations Limited, which is no longer active. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering 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, distinguishing itself by not charging clients directly and by its specific service model.

Michael Beck is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior work includes roles at Charles Schwab, TIAA, and Fidelity Brokerage Services. He is also an independent real estate agent working outside of the investment industry. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, providing managed advice and investment education focused on asset allocation, contribution rates, and retirement timing. The firm uses proprietary tools from Morningstar Investment Management and operates at scale with a high client-to-advisor ratio, offering primarily non-discretionary investment services.

Drake Holley is a CFP® professional with nine years of industry experience. He is currently with Schwab Wealth Advisory, Inc., having joined in 2026. Prior to this, he worked eight years at TIAA-CREF Individual & Institutional Services, LLC. 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 across various asset classes. The firm operates within the Schwab ecosystem and delivers advice using proprietary research tools and asset allocation models while clients retain final trading authority.

Lana St.John is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 35 years of industry experience. She has been with Charles Schwab since 1991 and with Schwab Wealth Advisory since 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab 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 Charles Schwab, serving retail clients without discretionary trading authority.

Brayan Fernandez Montenegro is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds the Series 66 and Series 63 licenses and has been with Schwab Wealth Advisory since 2026, following work at Charles Schwab & Co., Inc. Since joining Schwab Wealth Advisory, Brayan has been involved in providing fiduciary investment advice within the Schwab Wealth Advisory program. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice through the Schwab Wealth Advisory (SWA) program, serving clients with annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, using standard asset allocation models and research tools, while leaving final trading decisions to clients and conducting at least annual account reviews.

Adam Sanders is a CFP® and ChFC® with 26 years of industry experience. He is currently with Schwab Wealth Advisory Inc., where he has worked since 2021, following roles at Charles Schwab and USAA spanning over a decade. Sanders volunteers to provide financial guidance to veterans through Homes For Our Troops. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s proprietary research tools and asset allocation models. The firm conducts annual financial reviews and provides comprehensive wealth management education, with final investment decisions made by clients.

Dustin Gale is a financial advisor at Kayne Anderson Rudnick Investment Management, LLC with 18 years of industry experience. He holds the Series 66 designation and has worked at Kayne Anderson Rudnick and VP Distributors LLC since 2015. He serves as an advisory board member for Project ECHO, a nonprofit organization focused on providing at-risk students with vocational skills and entrepreneurship training. Kayne Anderson Rudnick offers discretionary advisory and sub-advisory investment management to a diverse client base, including institutions, charitable organizations, corporations, family offices, pension plans, and individuals. The firm emphasizes fundamental, quality-oriented equity research and manages approximately $67.9 billion in assets as of December 31, 2024.

Laura Herl is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked for TIAA-CREF from 2005 to 2020. Herl has been with Schwab Wealth Advisory since 2022, following a brief period of self-employment. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement planning, and investment recommendations using Charles Schwab’s asset allocation models and research tools, while clients retain final trading decisions.

Christopher Tracy is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado, holding Series 63 and Series 65 licenses with 12 years of industry experience. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co. in 2026, he worked at Wells Fargo Clearing and Wells Fargo Bank, NA, as well as Key Bank Mortgage and Key Investment Services. Outside of his advisory role, Tracy is an author of fictional books. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across a range of asset classes. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with final trading decisions made by clients.

Dana Bath is a financial advisor at CWM, LLC with 18 years of industry experience. She previously worked at Aveo Capital Partners, LLC from 2013 to 2025 and joined CWM, LLC and Carson Wealth in 2025. She holds a Series 65 designation. CWM, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients. The firm manages accounts primarily on a discretionary basis using model portfolios overseen by an internal Investment Committee and offers services such as portfolio management, financial planning, and retirement-plan solutions.