Gilbert Ryckman is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds the CFA® designation and Series 66 license. His career includes over a decade with Charles Schwab and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. delivers non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes standard asset allocation models and Schwab research tools, providing annual account reviews without discretionary trading authority, and operates as an internal advisory unit within the Schwab ecosystem.

Tawnya Sokolik is a CFP® with 13 years of industry experience, currently advising at Schwab Wealth Advisory. Her background includes roles at Charles Schwab and USAA, where she worked in investment management and financial planning. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit of Charles Schwab & Co., delivering advice without discretionary trading authority.

Benjamin Remer is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been with Charles Schwab and its affiliates since 2008, including his current role at Schwab Wealth Advisory since 2019. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations using standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with a distinctive fee and management structure compared to many enterprise wealth managers.

Cole Mc Kinney is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various roles within Charles Schwab and Broadridge Business Process Outsourcing. Outside of his advisory work, he owns and manages a rental property business through Photon Holdings, LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s research tools and standard asset allocation models to support investment decisions.

Marsha Nuttall is a financial advisor at CWM, LLC with 16 years of industry experience and holds a Series 66 designation. Her prior experience includes roles at Carson Wealth, DMK Advisor Group, Inc., and Aveo Capital Partners, LLC. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through more than 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios and combines fundamental and technical analysis with third-party sub-advisors and customization tools.

Nicholas Broetzman is a CFP® professional with 11 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2020 and associated with Charles Schwab since 2013. He also has experience as a FINRA arbitrator, resolving securities-related disputes on a contract basis. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s asset allocation models and research tools while clients retain final trading decisions.

Andrew Wiebelhaus is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2019. He has worked at Charles Schwab & Co., Inc. since 2017. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s standard asset allocation models and research tools to deliver annual financial reviews and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Jeff Shafer is a financial advisor at Private Advisor Group, LLC with 13 years of industry experience. He holds a Series 66 designation and has worked with firms including Lincoln Financial Advisors Corporation and LPL Financial LLC. Shafer is also involved in selling life, long-term care, and disability insurance through a separate business activity. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model, utilizing various investment strategies and technology platforms while offering access to both proprietary and third-party managed account solutions.

Jack Greenagel is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Charles Schwab since 2008. Outside of advising, Greenagel is involved as a geologist for a chemicals company and serves as CEO and President of a rental services LLC. 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 using Schwab’s proprietary tools and models.

Joseph Couillard is a financial advisor at Schwab Wealth Advisory with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2018. Prior to joining Schwab Wealth Advisory in 2022, he held positions at Geary Pacific Supply and McNichols Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, 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 its services.

Eric Berndt is a CFP® with 15 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2014. He also holds a Series 66 designation and is based in Parker, CO. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through 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 based on Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Tyler Mumby is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 66 and Series 63 licenses and has nine years of industry experience. His prior roles include positions at Charles Schwab & Co., Inc., Texas A&M University, and Galloway Financial (Voya Advisors). Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews, planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Schwab and does not directly charge clients fees, distinguishing its approach from many enterprise wealth managers.

Bailey Scheffe is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Schwab Wealth Advisory since 2021 and Charles Schwab & Co., Inc. since 2018. Prior to his advisory roles, he worked at Beau Jo's Pizza and CSU Online. 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 within the Schwab ecosystem, using standard asset allocation models and research tools, while leaving final trading decisions to clients.

Patrick Henderson is a financial advisor at CWM, LLC with 25 years of industry experience. He holds a Series 66 designation and has held prior roles at Aveo Capital Partners and DMK Advisors. Henderson is also a partner and sole member of several private wealth and investment entities based in Englewood, Colorado. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm employs a discretionary management approach using model portfolios, combining fundamental and technical analysis, third-party sub-advisors, and customization tools.

Jay Cheney is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 17 years of industry experience. He has been with Schwab Wealth Advisory since 2018 and has worked within the Charles Schwab organization since 2016. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, focusing on 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, with advisors recommending allocations while clients retain final trading decisions.

Stephen Bauer is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 66 and Series 63 licenses and two years of industry experience. He has been with Schwab Wealth Advisory since 2025 and has prior experience at Charles Schwab. 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 primarily delivered through Schwab’s standard asset allocation models and research tools.

Jacob Wilder is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2022. Prior to his current role, he was involved with The Long Drink Company and Kilroy's on Kirkwood. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly, distinguishing its approach from many enterprise wealth managers.

Tyler Gatlin is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc., Taylor Morrison Homes, Lokal Homes, and CalAtlantic Homes. 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 operates within the Schwab ecosystem, recommending allocations without discretionary trading authority, and does not directly charge clients fees.

Jessica Benningsdorf is a financial advisor at Principal Financial Services with 11 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms, including Principal Securities, Inc., World Investments, Inc., AssuredPartners Investment Advisors, and GWFS Equities Inc. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel outside the United States. The firm’s advisory services focus on direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Robert Douglas is a financial advisor at CWM, LLC with 22 years of industry experience. He holds a Series 66 designation and has worked previously at Aveo Capital Partners, LLC and Stephen A. Kohn & Associates, Ltd. Outside of advisory roles, he is a shareholder in Colorcom, Limited Partnership and a referral agent for Sage Benefits Group, a health insurance firm. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages portfolios on a discretionary basis using model portfolios governed by an in-house Investment Committee, combining fundamental and technical analysis with third-party sub-advisors and customization tools.