Jonathan Smilie is a Personal Investment Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop strategies tailored to their unique ambitions and financial goals. His approach focuses on aligning clients with the appropriate people, plans, and processes to address priorities such as funding education, retirement planning, and managing potential health care costs. Jonathan holds a High School Diploma from Liberty University and has earned the Personal Investment Advisor (PIA) designation. He emphasizes clarity and transparency in his work, aiming to simplify the complexities of wealth planning and help clients make informed decisions throughout their financial journey.

Judith Espinosa is a CFP® professional affiliated with Schwab Wealth Advisory, based in Westlake, TX, with three years of industry experience. Her prior roles include positions at Charles Schwab Investment Management and TD Ameritrade Inc. She holds Series 66 and Series 63 licenses. 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, utilizing proprietary asset-allocation models and internal research tools. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts overseen by third-party or affiliated money managers.

Aaron Harvey is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and with 20 years of industry experience. He has worked at several firms including Charles Schwab, Investment Professionals Inc, Cambridge Investment Research Advisors, CIM Wealth Advisors, and Edward Jones. Outside of his advisory work, he is the sole owner of 3 Up 3 Down LLC, a small business focused on buying and selling sports trading cards online. 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 referred clients. The firm uses Charles Schwab & Co.’s asset-allocation models and research tools to deliver tailored recommendations without exercising discretionary trading authority.

Joshua Coe is a financial advisor at Osaic Institutions, Inc. with 18 years of industry experience. He holds a Series 66 designation and has worked at Infinex Investments, Inc., Morgan Stanley & Co. LLC, Natcity Investments, Inc., and Ameriprise. Osaic Institutions, Inc. serves individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, employing a hybrid adviser/broker-dealer model with a sizable non-discretionary asset base and a lending marketplace.

Michelle Hahn is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2025. Prior to this, she worked for Ausdal Financial Partners, Inc. for seven years and has been involved with CFO4Life since 2017. She serves on the finance committee of Trietsch Memorial United Methodist Church, where she participates in reviewing and approving the church’s financials. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset allocation models and internal research tools. The firm offers tailored, at-least-annual reviews and does not exercise discretionary trading authority.

Jared Eichler is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab & Co., Inc., State Farm VP Management Corp, Ben Archer Insurance Agency, Edward Jones, and Central Texas Orthopedic Products. 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 approach utilizes proprietary asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Myles Hernandez is a CFP®-certified financial advisor with six years of industry experience, currently with Schwab Wealth Advisory in Westlake, TX. He has held previous roles at Steward Partners Investment Advisory, Raymond James Financial Services, and worked within Charles Schwab & Co., Inc. since 2019. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s approach centers on asset allocation and investment selection guided by internal research tools and standard models, with client authorization required for trade execution.

Stephen Wiggins is a financial advisor with Equity Services, Inc. in Fort Worth, TX. He holds Series 65 and Series 63 licenses and has 18 years of industry experience, including roles at Fidelity Investments and National Life Group. Equity Services, Inc. offers financial planning, consulting, and asset management to a range of clients such as individuals, corporations, trusts, and charitable organizations. The firm provides multiple advisory platforms, combining long-term investment strategies with options for shorter-term trading, and operates as both a broker-dealer and an SEC-registered investment adviser.

Timothy Aragon is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His work history includes roles at Transamerica Investors Securities Corporation, TRANSAMERICA Retirement Solutions, State Farm VP Management Corp., and Justin Kenney Insurance Agency. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs that provide managed investment advice and education. The firm leverages Morningstar Investment Management’s proprietary tools and model portfolios to deliver asset allocation and retirement planning guidance, primarily focusing on non-discretionary assets across a large client base.

Stephanie Hays is a financial advisor with Principal Financial Services based in Southlake, TX. She holds a Series 66 designation and has 18 years of industry experience. Hays has been with Principal Life Insurance Company since 2011 and manages her own tax-related entity, Hays Financial Strategies. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Laura Lightbourn is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and five years of industry experience. Her prior work includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc., as well as experience with SwimPro, LLC and Aquakids. 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 & Co.-referred clients. The firm’s guidance is based on proprietary asset-allocation models and internal research tools, delivering personalized recommendations without exercising discretionary trading authority.

Alexander Lee is a financial advisor at Schwab Wealth Advisory with one year of industry experience. He holds the Series 66 designation and has prior work experience at J.P. Morgan Securities, JPMorgan Chase Bank, and Equitable Advisors. Before entering the financial industry, he held roles in education and tutoring. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach uses Schwab’s standard asset-allocation models and internal research tools, with recommendations tailored to each client’s goals and risk tolerance.

Justin Mourning is a CFP® with six years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Westlake, TX. His prior experience includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, and Westwood Wealth Management. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice utilizes Schwab’s standard asset-allocation models and research tools, offering tailored recommendations with client authorization required for trades.

Edmund Job is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at TD Ameritrade Investment Management, Fidelity, Merrill, and Ameriprise. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients, focusing on asset allocation and investment selection based on Charles Schwab’s proprietary models and research tools.

Michael Osswald is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Schwab Wealth Advisory, Osswald worked at Charles Schwab & Co., Inc. and First Security Bank. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s investment guidance is based on Schwab’s asset-allocation models and internal research, with client authorization required for all trades.

Edward Ittner Jr. is a financial advisor with Integrity Alliance, LLC, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. His prior roles include positions at Merrill, NEXT Financial Group, and Ashland Management, Inc. He also owns Fundamental Value Analytics, a research venture focused on stocks, bonds, and macroeconomic analysis to support client advising. Integrity Alliance, LLC serves a diverse client base ranging from individual investors to corporations and qualified retirement plans. The firm manages approximately $5.4 billion in assets through a network of over 300 independent advisors, offering portfolio management, financial planning, and both wrap and non-wrap accounts, utilizing various strategic allocation approaches and third-party sub-advisers.

Pamela Pimentel is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her career includes roles at Charles Schwab & Co., Inc. and Fidelity Brokerage Services. She previously worked in education at Relay Graduate School of Education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referred clients. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Crystal Huggins is a CFP® professional with 20 years of industry experience, currently serving at Schwab Wealth Advisory. Her prior roles include positions at J.P. Morgan Securities LLC, Instacart, Missionsquare Retirement, and Wells Fargo. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.'s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Jonathan Dodd is a CFP® professional with 23 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. Since 2026, he has worked at Schwab Wealth Advisory and has been associated with Charles Schwab & Co., Inc. since 2019. Prior to this, he spent 15 years with Avantax Advisory Services and one year at Wells Fargo Investments. Outside of his advisory work, he serves as a board member for his neighborhood homeowners association. 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 guidance is based on standard asset-allocation models and internal research tools, offering tailored investment recommendations while trades require client authorization.

Jasmine Gregg is a financial advisor with Transamerica Retirement Advisors, LLC, holding a Series 66 credential and 10 years of industry experience. She has worked at Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2017, and previously at FIDELITY Brokerage Services LLC from 2014 to 2016. She also has experience at the University of Texas in Arlington. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed portfolio services and investment education through various advice programs. The firm uses proprietary software and model portfolios from Morningstar Investment Management to guide asset allocation and retirement planning, operating at scale with over 300 advisors and more than 200,000 clients.