Erica Ngo is a financial advisor at Schwab Wealth Advisory, Inc. with eight years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab & Co., Inc. in various roles since 2012. Her prior experience includes working at Barrister Title Services, Inc. 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 offer tailored recommendations, while executing trades only with client authorization.

Natalie Mason is a CFP® with 23 years of industry experience, currently serving with Truist Advisory Services. Her career includes roles at Truist Investment Services, BB&T Securities, SunTrust, Jackson Wealth Management, Raymond James Financial Services, and Banc of America Investment Services. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a blend of discretionary and non-discretionary manager relationships supplemented by AI-enabled equity research and inter-affiliate integration.

Americo Garcia is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 63 and Series 65 credentials and has one year of industry experience. Prior to his current role, he has worked at Charles Schwab & Co., Inc., Chase, and Publix in various capacities. Schwab Wealth Advisory, Inc. 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, utilizing Schwab’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Stephen Watkins is a financial advisor with Schwab Wealth Advisory Inc., holding a Series 66 designation and 23 years of industry experience. His previous roles include positions at Morgan Stanley and UBS Financial Services. He is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab & Co.’s asset-allocation models and research tools to offer tailored recommendations, with an emphasis on client authorization for trades and annual review processes.

Raymond Throne II is a financial advisor with Eagle Strategies (NY Life) based in Maitland, FL, holding Series 63 and Series 65 licenses and boasting 52 years of industry experience. He has been affiliated with New York Life and NYLife Securities since 1973 and has operated Ray Throne & Associates since 2007. In addition to his advisory work, he manages independent sales of New York Life products and brokers non-registered insurance products under his own DBA. Eagle Strategies serves a diverse clientele including individual investors, retirement plans, and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored advice through various program types, primarily on a non-discretionary basis, and operates within the integrated New York Life affiliate structure.

Matthew Labar is a financial advisor at Schwab Wealth Advisory, Inc. in Orlando, FL, holding a Series 66 designation with two years of industry experience. His career includes prior roles at Charles Schwab and Berkshire Hathaway Guard. Schwab Wealth Advisory, Inc. 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 Schwab’s standard asset-allocation models and research tools. The firm’s advice is tailored to client goals and risk tolerance and includes trade execution only with client authorization.

Natalie Kotroba is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding the Series 63 and Series 66 designations and bringing 26 years of industry experience. She has worked at various entities within Charles Schwab since 2004, including Schwab Wealth Advisory since 2019. Kotroba serves as a member of the finance committee at St. Mary Magdalen Catholic School, where her children are enrolled. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and research tools while executing trades only with client authorization.

Chelsea Owens is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds Series 66 and Series 63 licenses and has worked within various Schwab entities since 2014, including Schwab Private Client Investment Advisory, Inc. from 2016 to 2020. 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’s advice is based on standard asset-allocation models and internal research tools, with trades executed only upon client authorization.

Rene Aranda is a CFP® professional with 24 years of industry experience, currently serving at Schwab Wealth Advisory since 2025. His prior experience includes roles at Charles Schwab & Co., Inc., Charles Schwab Bank, and USAA Investment Management Company. Outside of his advisory work, he has been involved with AdvoCare, a health and wellness company, as a distributor of nutritional and sports performance products. 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. The firm’s guidance is based on Charles Schwab & Co.’s asset allocation models and internal research, with recommendations tailored to each client’s goals and risk tolerance.

Emanuel Guillen is a CFP® and Series 66-licensed financial advisor with Schwab Wealth Advisory in Orlando, FL. He has three years of industry experience, including roles at Schwab Wealth Advisory and Charles Schwab since 2023. Prior to entering the financial industry, he worked in education and managed a seafood market. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, using standardized asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Shane Mahadeo is a financial advisor with Transamerica Financial Advisors holding a Series 66 designation and two years of industry experience. His prior work includes roles at USHEALTH Advisors Orlando, World Financial Group Insurance Agency, and several entrepreneurial ventures such as Mahindra Enterprises Inc. and Mahasha Mobile Car Detailing INC. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services through proprietary and third-party investment models, managing over $2 billion in assets under management as of the end of 2025.

Kirby Massey is a CFA® charterholder and holds a Series 66 license, currently serving as a financial advisor with Schwab Wealth Advisory in Orlando, FL. He has five years of industry experience, including roles at Charles Schwab & Co., Addition Financial, and the University of Central Florida. Massey has been with Schwab Wealth Advisory since 2024. 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’s approach centers on asset allocation and investment selection guided by internal research and standard models, with client authorization required for all trades.

Scott Free is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and 12 years of industry experience. His career includes roles at Charles Schwab, Freedom Resources, and USAA Financial Planning Services. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research, with customized recommendations and client-authorized trades.

Patrick Smiley is a financial advisor at Brookstone Capital Management LLC with a Series 65 designation and one year of industry experience. His previous roles include positions at Group 10 Total Wealth Management, W&S Brokerage Services, Inc., Western & Southern Life, and Hankook Tire North American Corp. Brookstone Capital Management provides fee-based asset management and financial planning to individuals, retirement plans, corporations, trusts, and other business entities. The firm utilizes strategic and dynamic asset-allocation models and offers discretionary portfolio management through multiple investment approaches, including proprietary funds and external sub-advisors.

Nathan Male is a financial advisor with Schwab Wealth Advisory in Orlando, Florida. He holds Series 63 and Series 66 designations and has 25 years of industry experience. Nathan has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2008. 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. The firm’s guidance is based on Schwab’s asset allocation models and research tools, offering personalized recommendations with client authorization required for all trades.

Kenneth Spafford is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MassMutual, and MassMutual Trust Company, FSB. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and research tools.

Bradley Skipper is a CFA® charterholder and Series 66 licensee with seven years of industry experience. He is currently with RBC Rochdale, LLC and has previously worked at CNR Securities, LLC, Fidelity Investments, and City National Rochdale. RBC Rochdale serves a diverse client base including high net worth individuals, investment companies, corporations, charitable organizations, and government entities. The firm employs an active, multi-strategy investment process combining quantitative and fundamental analysis, managing portfolios across various asset classes through proprietary tools and third-party sub-advisors.

Steven Finnegan is a financial advisor at Schwab Wealth Advisory with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and its affiliated firms since 1999. Based in Orlando, FL, he has served at Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. 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 investment guidance is based on Charles Schwab’s asset-allocation models and research tools, with recommendations tailored to individual goals and risk tolerance.

Michael Henderson is a Certified Financial Planner® (CFP®) with 27 years of industry experience. He is currently with Independent Advisor Alliance, LLC and has prior experience at LPL Financial and Collaborative Wealth. He is also working on writing a book. Independent Advisor Alliance serves a diverse client base, including high-net-worth individuals, small businesses, charitable organizations, and retirement plans. The firm provides asset management, financial planning, and retirement consulting, leveraging technology and a network model that incorporates discretionary and non-discretionary portfolio management alongside third-party managers and estate-planning resources.

Elkin Castillo is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2010. Outside of his advisory work, he has managed a single-family rental property since 2004. 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 standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.