Vincent Lachman is a CFA® charterholder and holds Series 66 and Series 63 licenses, with 12 years of experience in the financial services industry. He has worked at firms including Merrill Lynch, Morgan Stanley, J.P. Morgan Securities, and most recently Schwab Wealth Advisory Inc. in Orlando, FL. Lachman’s background also includes experience with Lachman & Diaz Financial Services and The Zayn Group, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on personalized client advice without discretionary trading authority.

Boris Diaz is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and two years of industry experience. He has been with Schwab Wealth Advisory since 2026 and also works with Charles Schwab & Co., Inc. Outside of his advisory role, Diaz composes, records, and produces music under the artist name Bsleezy. 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 across various asset classes. The firm operates within the Schwab ecosystem, delivering advice through standard asset allocation models and research tools without discretionary trading authority.

Everett Adams is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and entering his second year in the industry. Before joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc. and had experience at Raymond James Edgewater Family Wealth. Adams also has a background that includes professional lawn care and extended periods of full-time education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and investment recommendations primarily using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., Inc., serving individual clients without discretionary trading authority.

Shane Spence is a CFP® professional with Series 63, 65, and 66 licenses, currently serving at Schwab Wealth Advisory in Orlando, FL. He has two years of industry experience and has previously worked at several firms, including The LifeWealth Group, Madison Avenue Securities, AE Wealth Management, and Equitable Advisors. 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 through Charles Schwab & Co.’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 or serve certain institutional client types, distinguishing its service model from many peers.

Joseph Continelli is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including LifeWealth Investments, Madison Avenue Securities, and Bank of America. Continelli has also been involved in insurance sales through The LifeWealth Group. 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 supported by Schwab’s research tools. The firm operates within the Schwab ecosystem and typically does not exercise discretionary trading authority, distinguishing its approach from many other enterprise wealth managers.

Kristina Jeffries is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. She has been with Charles Schwab and its affiliated entities since 2004. 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 using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its services.

Alexander Chin is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and two years of industry experience. He has worked at Schwab Wealth Advisory since 2026 and previously held roles at Charles Schwab & Co., Inc. and Hillpointe Corporate Management. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s asset allocation models and research tools.

Everett Johnson is a Series 66-licensed financial advisor with nine years of industry experience. He is currently with Schwab Wealth Advisory and Charles Schwab in Orlando, FL, having previously worked at Newport Group Securities, JPMorgan Chase Bank, J.P. Morgan Securities, Edward Jones, and Aon. Schwab Wealth Advisory 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 offers annual financial reviews and investment recommendations but does not exercise discretionary trading authority, with discretionary management typically handled by affiliated or third-party money managers.

Cameron Crain is a Series 65-licensed financial advisor at Beacon Pointe Advisors, LLC with one year of industry experience. His background includes roles at the University of Central Florida, Amazon, and Interlachen Country Club. Beacon Pointe Advisors, LLC provides wealth advisory, financial planning, and outsourced chief investment officer services to a diverse client base including individuals, corporations, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs both active and passive strategies across public and private asset classes.

Sabina Lien is a Certified Financial Planner (CFP®) with 31 years of industry experience. She is currently with Rockefeller Financial LLC, where she has worked since 2023. Her prior roles include positions at Truist Advisory Services, Truist Investment Services, Inc., and Suntrust Investment Services, Inc., spanning from 2006 to 2023. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm operates both as a registered investment adviser and a broker-dealer, offering discretionary and non-discretionary portfolio management, financial planning, and investment banking services within an integrated Private Advisor model and consolidated investment platform.

Anthony Decotis is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and bringing nine years of industry experience. His career includes roles at Charles Schwab & Co., Schwab Wealth Advisory Inc., Bank of America, and Merrill. 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 various asset classes. The firm operates within the Schwab ecosystem, delivering advice through standardized asset allocation models without exercising discretionary trading authority.

Daniela Sierra Castaneda is a financial advisor at Schwab Wealth Advisory with three years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab & Co., Bank of America, and Merrill. Her prior work history also includes roles outside finance, such as at The Diplomat Beach Resort and D'angelo Pizza. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering clients annual financial reviews and investment recommendations using Schwab’s proprietary research tools and asset allocation models.

Michael Payne is a financial advisor with PlanMember Securities Corporation in Oviedo, FL, holding Series 63 and Series 65 licenses and over 10 years of industry experience. He has been associated with multiple entities since 2016, including Payne Retirement, Payne Financial Group, Bencor, and Retirement Planning Associates. PlanMember 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 through its PlanMember Asset Allocation Portfolios. The firm’s investment process involves strategic asset allocation and management of risk-based mutual fund portfolios, alongside education and support services for plan sponsors and participants.

Christopher Burke is a Series 66-licensed financial advisor with six years of industry experience. He currently works at Schwab Wealth Advisory, part of Charles Schwab, and has held roles there since 2019. Prior to his financial services career, he was employed at Campus Crusade For Christ for four years. 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 directly charge clients fees, distinguishing its service model from many enterprise wealth managers.

Jonathan Winslow is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Creative Planning since 2017. Prior to that, he worked at Water Oak Advisors LLC for two years. Outside of advisory work, Winslow owns and operates Winslow Financial Services, LLC, a tax preparation business in Altamonte Springs, Florida. Creative Planning is a large enterprise firm managing approximately $217 billion in assets, offering comprehensive investment advisory and financial planning services to a broad client base including individuals, corporations, and retirement plans. The firm employs a financial planning–led investment approach focused on low-cost indexing and buy-and-hold strategies, supplemented by specialized portfolio management and retirement plan services, supported by affiliated legal, trust, and recordkeeping businesses.

Brian Salerno is a CFA® charterholder and Series 63 licensee with 11 years of industry experience. He is currently with CNR Securities, a part of RBC Rochdale, LLC. RBC Rochdale serves a diverse range of clients including high net worth individuals, investment companies, corporations, charitable organizations, and public entities. The firm employs a multi-strategy investment process combining quantitative screening, statistical modeling, and fundamental analysis, utilizing proprietary tools to tailor portfolios across various asset classes.

Clifford Woodard is a CFP® and holds a Series 66 designation with 14 years of industry experience. He has been with Charles Schwab and Schwab Wealth Advisory Inc. since 2016. 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 using Schwab's asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not engage in discretionary portfolio management or serve certain institutional client types.

Daniel Nowak is a financial advisor at Valic Financial Advisors with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Valic since 2016. Outside of his advisory role, he is a member and co-owner of C & D Dizical Collectibles, assisting with online sales of Disney items and collectibles and participating in an annual trade show. Valic Financial Advisors primarily serves U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, leveraging technology and model solutions to manage approximately $29.2 billion across nearly 300,000 clients.

Garrett Jones is a financial advisor with Rockefeller Financial LLC who holds a Series 66 designation and has 24 years of industry experience. His prior experience includes roles at Merrill and Bank of America, where he worked for over two decades combined. Outside of his advisory work, he serves on the advisory boards of several nonprofit organizations, including The Jobs Partnership of Florida and Winter Park Health Foundation, and participates as a subcommittee member at Saint Margaret Mary Catholic Church. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, and institutional clients. The firm offers portfolio management, financial planning, and consulting services, operating uniquely as both a registered investment adviser and broker-dealer with an integrated investment platform and a broad range of wealth management solutions.

Tanya Black is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and possessing 25 years of industry experience. She has worked at Charles Schwab & Co., Inc. since 2000 and with Schwab Wealth Advisory Inc. since 2012. Based in Orlando, FL, she serves clients through the Schwab Wealth Advisory program. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering financial reviews, retirement planning, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm does not exercise discretionary trading authority and generally operates as an internal advisory unit paid by Charles Schwab & Co. under a cost-and-expense arrangement.