Karen Chin is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. She has been with Schwab entities since 1997, including 14 years at Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to deliver tailored recommendations, with services focused on guidance rather than discretionary trading.

Darryl Devlugt is a financial advisor at Schwab Wealth Advisory with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Charles Schwab and its affiliated advisory firms since 2006. Based in Orlando, FL, he has been with Schwab Wealth Advisory Inc. since 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses proprietary asset-allocation models and internal research tools to tailor recommendations, while client authorization is required for all trades.

Sean Parkes is a financial advisor with Primerica Advisors holding a Series 66 designation and has two years of industry experience. His work history includes roles at Guardian Life Insurance Company and Park Avenue Securities. Outside of advising, he has been involved with licensed real estate groups in Florida. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory services, financial planning, and retirement-plan consulting, utilizing a range of proprietary and third-party investment strategies and platforms.

Bethanie Marzolino is a financial advisor with Schwab Wealth Advisory in Orlando, FL. She holds Series 63 and Series 66 licenses and has 13 years of industry experience, including over a decade at Schwab Wealth Advisory and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to 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 an emphasis on client-specific goals and risk tolerance.

Scott Bergin 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 at various entities within Charles Schwab since 2017. Outside of his advisory role, he is involved with S & S Educational Enterprises, a family-owned tutoring franchise, where he assists with light bookkeeping. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain referrals from Charles Schwab, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset allocation models and internal research.

Abby Becker is a financial advisor at Schwab Wealth Advisory with two years of industry experience. She holds Series 63 and Series 65 licenses and has prior work experience at Charles Schwab & Co., Inc. and retail companies including Aritzia and Ulta Beauty. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm uses standard asset-allocation models and internal research tools to offer tailored recommendations, while account trades require client authorization.

Hang Zhao is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Charles Schwab, Equitable Advisors LLC, and C&Es Global Exchange International LLC. Zhao is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain CS&Co.-referred clients. The firm offers guidance on asset allocation and investment selection, relying on Charles Schwab & Co.’s standard models and research tools, while trades are executed only with client authorization.

Richard Rush is a financial advisor with PlanMember Securities Corporation in Oviedo, FL, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with PlanMember since 2008. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options. The firm’s investment process uses a top-down strategic asset allocation framework, managing risk-based mutual fund portfolios with defined rebalancing events, and also delivers education and support services to plan sponsors and participants.

Zachary Worden is a financial advisor with Sanctuary Advisors, LLC, holding a Series 66 designation and two years of industry experience. His career includes roles at Sanctuary Securities, Inc. and Pershing Advisor Solutions. Sanctuary Advisors, LLC serves a diverse client base including individuals, corporations, pension plans, trusts, and charitable organizations through over 400 independent advisers. The firm offers portfolio management, financial planning, and retirement consulting services using a variety of investment strategies and sub-advisers, operating as a fiduciary when engaged under a written advisory agreement.

Lawrence Tunnell is a CFP® professional with 12 years of experience in the financial industry. He has been with Charles Schwab since 2011 and currently works at Schwab Wealth Advisory in Orlando, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab. The firm uses proprietary asset allocation models and internal research tools to guide investment selection, with recommendations tailored to clients' goals and risk tolerance.

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.

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.

Travis Payne is a financial advisor with PlanMember Securities Corporation based in Oviedo, FL, holding Series 63 and Series 65 registrations and accumulating 18 years of industry experience. He has operated Payne Retirement and Payne Financial Group since 2017 and is involved with U S Employees Benefits Service Group, LLC, a company focused on insurance, benefits administration, and investments. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm offers participant-level investment options through risk-based mutual fund portfolios and supports clients with education, personalized planning, and separation counseling.

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.

Christopher Campos is a CFP® professional with 19 years of experience in the financial services industry. He has been with Truist Advisory Services since 2016 and also works with Truist Investment Services. Outside of his advisory role, he is a member manager of an entity related to potential rental properties. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and third-party platforms to support its AMC Advantage program.

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 with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and having 10 years of industry experience. She has worked at Charles Schwab and its affiliated entities since 2014, including Schwab Private Client Investment Advisory and Schwab Wealth Advisory. 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 advice is based on proprietary asset-allocation models and research tools, with a focus on tailored recommendations and oversight consistent with each client’s goals and risk tolerance.

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.