Michael Seal is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He has been with Charles Schwab and its affiliated firms since 1999 and holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations across various asset classes while clients retain final trading decisions.

William Richardson is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Schwab Wealth Advisory, Richardson worked at Robinhood Markets, Inc. and Prudential. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm serves clients using Schwab's asset allocation models and research tools, recommending investments while leaving final trading decisions to clients.

Daniel Weeks is a financial advisor with Schwab Wealth Advisory Inc., holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been affiliated with Charles Schwab since 1999 and joined Schwab Wealth Advisory in 2023. Schwab Wealth Advisory 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 a broad range of asset types. The firm operates within the Schwab ecosystem and focuses on client-directed investment decisions without discretionary trading authority.

Kenneth Wagenknecht is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding CFP® and ChFC® designations and over 25 years of industry experience. He has worked extensively within the Charles Schwab organization since 2000, including roles at Schwab Private Client Investment Advisory, Inc. and Schwab Wealth Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as 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 and does not charge clients directly for its advisory services.

Brian Wainscoat is a financial advisor with Schwab Wealth Advisory, holding a Series 65 designation and beginning his tenure at the firm in 2025. His prior experience includes roles at Charles Schwab & Co., Inc., Empower Retirement, Personal Capital, and Clark Nuber, PS. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm recommends investment allocations without exercising discretionary trading authority and conducts annual account reviews.

Andrew Ross is a financial advisor at Independent Financial Partners with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Fidelity Investments and Diamond Wealth Management. Ross joined Independent Financial Partners in 2021. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, offering both discretionary and non-discretionary account management with a notable focus on retirement-plan advisory and pension consulting services.

Amanda Surratt is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and with 13 years of industry experience. She has been with Schwab Wealth Advisory Inc. since 2014 and with Charles Schwab & Co., Inc. since 2012. 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 utilizing Schwab's asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co. and follows a distinct operating model that does not involve discretionary portfolio management or direct client billing.

Brent Hultquist is a financial advisor at Schwab Wealth Advisory with a Series 65 credential and one year of industry experience. Prior to joining Schwab, he worked at Hultquist Law Firm, LLC for six years and at Shortridge, Fitzke & Hultquist, P.C. for twelve years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Charles 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 maintain final trading decisions.

Ainsley Stone is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Schwab since 2011, including a role at Schwab Wealth Advisory since 2014. Prior to her current advisory position, she was employed by Uber from 2015 to 2021. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across multiple asset classes using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its model from many other enterprise wealth managers.

Adam Leatherby is a CFP® professional with 12 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc., where he has worked since 2025. Prior to this, he held roles at Fidelity Investments and its affiliates from 2014 to 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within 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 directly charge clients fees for its services.

William Mc Mannis is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. His prior experience includes roles at McMannis Wealth LLC, LPL Financial, Collier Financial, TIAA, and JPMorgan Chase Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standardized asset allocation models and proprietary research tools to guide investment recommendations, delivering advice primarily through an internal advisory unit within the Schwab ecosystem.

Joseph Gibalski is a CFP® professional with six years of experience in the financial industry. He is currently with Schwab Wealth Advisory Inc., part of Charles Schwab, where he has worked since 2025. His previous experience includes roles at Fidelity Investments and Empower Retirement, as well as work in trading firms earlier in his career. 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 standard asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not exercise discretionary trading authority directly for most clients.

Susan Naes is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado. She holds Series 63 and Series 66 licenses and has 16 years of industry experience. Her prior work includes roles at Merrill Lynch Pierce Fenner & Smith before joining Charles Schwab and Schwab Wealth Advisory in 2017. 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 research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and generally does not exercise discretionary trading authority.

Stephanie Lopez is a CERTIFIED FINANCIAL PLANNER™ professional with 10 years of industry experience. She currently serves as a wealth advisor at Schwab Wealth Advisory, Inc., having previously worked at JP Morgan from 2016 to 2024. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab & Co., Inc., focusing on client-directed investment decisions and conducting at least annual account reviews.

Stephanie Shadel is a CFP® professional with 16 years of industry experience, currently serving at Schwab Wealth Advisory since 2014. She has been affiliated with Charles Schwab in various capacities since 2009. Outside of her advisory role, she manages a personal rental property in Lone Tree, Colorado. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools to support client decision-making. The firm conducts annual account reviews and operates as an internal advisory unit within the Schwab ecosystem.

Nathaniel Jung is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and has worked at Charles Schwab & Co. Inc. since 2009. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Jake Meyer is a financial advisor at Schwab Wealth Advisory with credentials including Series 66 and Series 63. He has one year of experience in the industry, having previously worked at Charles Schwab & Co., Inc. and held various roles outside finance including positions at Whole Foods Market and in education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations, utilizing Schwab’s asset allocation models and research tools, while clients maintain final trading authority.

Jessica Faleao is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has seven years of industry experience. She has been with Schwab Wealth Advisory since 2021 and has worked within the Charles Schwab organization since 2018. Prior to her financial services career, she worked briefly in hospitality and nonprofit roles. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services that include financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly manage client assets on a discretionary basis.

Dale Rottschafer is a CFP® and CFA® with five years of industry experience. He is currently with Schwab Wealth Advisory Inc., where he has worked since 2023. Prior to this, he spent 13 years at Envestnet, Inc. Outside of his advisory role, he is involved in managing a non-agent real estate investment, handling tenant relations, rent collection, and property maintenance. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual 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 Charles Schwab ecosystem and does not directly charge clients fees.

Elijah Martinez is a financial advisor at Schwab Wealth Advisory with five years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab since 2020, including his current role at Schwab Wealth Advisory beginning in 2024. Prior to his career in finance, he worked at Elevation Corporate Health for one year. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program sponsored by Charles Schwab & Co., Inc. The firm offers financial reviews, planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools, while clients retain final trading decisions.