Hajrudin Rastoder is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 65 licenses and has six years of industry experience. His career includes roles at Wells Fargo Clearing, Wells Fargo Bank, and First Convenience Bank prior to joining Schwab Wealth Advisory in 2022. Schwab Wealth Advisory serves clients enrolled in its Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on standard asset allocation models and internal research tools, with client approvals required for all trades.

Jason Comer is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at firms including TIAA-CREF, USAA Financial Planning Services, TD Ameritrade, and Fidelity. Comer has been with Charles Schwab & Co. and Schwab Wealth Advisory since 2016. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on proprietary asset-allocation models and research tools, with recommendations tailored to individual client goals and risk tolerance.

Darrah Lay is a financial advisor with Cetera Planning Partners in Lantana, TX, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Prior to joining Cetera Planning Partners and Cetera Wealth Services, Darrah worked at Avantax Planning Partners and Charles Schwab for over a decade. Outside of advising, Darrah serves as Territory Director for The Lay Collective, LLC, a local magazine focused on marketing to new home buyers, and is active in the Argyle Business Association. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, financial planning, Social Security optimization, and retirement-related advice. The firm provides additional services such as tax planning, bookkeeping, payroll support, and estate-planning through third-party providers, utilizing a diversified investment process grounded in mutual funds and ETFs tailored to client objectives and risk tolerance.

Jared Johnson is a CFP® with 19 years of industry experience, currently with Schwab Wealth Advisory, Inc. He has previously worked at EP Wealth Advisors, Baker Avenue Asset Management, TD Ameritrade, and Banc of America Investment Services. Johnson holds Series 63 and 65 licenses and is based in Westlake, TX. Schwab Wealth Advisory, Inc. 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 guidance includes asset allocation and investment selection using Schwab’s proprietary models and research tools, with trades executed only upon client authorization.

Colleen Nurre is a financial advisor with GWN Securities Inc. in Flower Mound, TX, holding a Series 66 designation and 21 years of industry experience. She has been with GWN Securities since 2015. Outside of her advisory role, Nurre serves as a merit badge counselor for Boy Scout Troop 262, assisting scouts in completing merit badge requirements. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of managed-account programs including SMA, UMA, and fund-strategist options.

William Burks III is a financial advisor at Centaurus Financial, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and has been with Centaurus Financial since 2019. Outside of his advisory role, Burks serves as president of a general contracting company and is co-owner of an exotic animal breeding farm. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of financial planning and portfolio management services through its CLASSIC Plus platform, utilizing a variety of investment analyses and both discretionary and non-discretionary account arrangements.

Gina Deutsch is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. She holds a Series 66 designation and has previously worked at USAA Life Insurance Company and Ameriprise. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, offering customized recommendations without exercising discretionary trading authority.

Juan Garcia is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and four years of industry experience. Prior to his current role, he worked at TD Ameritrade and Charles Schwab & Co., Inc., and he has a background in the hospitality industry with six years at The Cheesecake Factory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using proprietary asset-allocation models and internal research tools to guide investment decisions. The firm serves clients through tailored recommendations with annual reviews and primarily employs separately managed accounts managed by third-party or affiliated managers.

Bibhu Chapagain is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 designation and two years of industry experience. He has worked within Goldman Sachs and its affiliated Personal Financial Management Group since 2022. Prior to his advisory role, he held various positions at Berry College, including roles in the Business and Finance Office and Student Enterprise. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm utilizes centralized investment resources and model portfolios, offering tailored services such as Executive Wealth and Private Family Office support within a large, integrated financial group.

Ashley Thacker is a CFP® professional with seven years of industry experience, currently affiliated with Brookstone Capital Management LLC. Her prior roles include positions at GuideStone Financial Services and Rea Financial. Brookstone Capital Management provides fee-based asset management and financial planning to a diverse client base, including individuals, retirement plans, corporations, and trusts. The firm utilizes strategic and dynamic asset-allocation models and offers discretionary portfolio management through its turnkey asset management platform and wrap-fee program.

Sean Britt is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His career includes roles at Charles Schwab, JPMorgan Securities, and Merrill Lynch. Outside of his advisory work, he teaches education classes related to the CFP designation. 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’s guidance is based on Charles Schwab’s internal research and asset-allocation models, with trades executed only upon client authorization.

Zachary Gregory is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo and Chase Bank. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and internal research tools.

John Byers is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standardized asset-allocation models, internal research tools, and tailored recommendations aligned with client goals and risk tolerance.

John Rooney is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been associated with Commonwealth Equity Services since 1988. Outside of his advisory role, he serves as a trustee and power of attorney for family members in non-investment related matters. Commonwealth Financial Network is a registered investment adviser that supports a national network of approximately 2,950 advisors, providing a range of advisory programs and services including wealth management and retirement plan consulting. The firm offers operational, trading, technology, and compliance support while allowing advisors discretion in portfolio construction and providing managed model portfolios through its Investment Management and Research team.

Alexa Tizon is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and four years of industry experience. She has held roles at Charles Schwab & Co., Inc. since 2022 and prior to that worked in healthcare-related positions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, offering guidance on asset allocation and investment selection based on proprietary research and standard asset-allocation models.

James Marr is a Series 66 licensed financial advisor with 18 years of industry experience. He is currently with Schwab Wealth Advisory, Inc. and has held prior roles at Charles Schwab and Co., Inc., USAA Investment Management Company, and USAA Financial Planning Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on proprietary asset-allocation models and internal research, offering tailored recommendations reviewed at least annually.

Alexandria Reyes is a CFP® professional with six years of industry experience, currently serving at Schwab Wealth Advisory Inc. She has held roles within Charles Schwab & Co., Charles Schwab Bank, J.P. Morgan Securities, Merrill, Bank of America, and Fidelity Investments. 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 certain Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations to client goals and risk tolerance, without exercising discretionary trading authority.

Manuel Cruz is a CFP® professional at Schwab Wealth Advisory with five years of industry experience. His prior roles include positions at Raymond James & Associates, Deloitte LLP, American National Bank, and service in the U.S. Air Force. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients 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 internal research tools, offering tailored recommendations aligned with clients’ goals and risk tolerance.

Kurt Miscinski is a financial advisor at Cerity Partners LLC with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with HPM Partners LLC since 2010. Cerity Partners advises a broad client base, including high-net-worth individuals, families, trusts, business entities, and institutional investors, managing approximately $166.2 billion in client assets as of December 2025. The firm offers customized wealth management services, combining quantitative screening, manager selection, and asset allocation with access to alternative and private market solutions for qualified clients.

Wallace Eason is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab Wealth Advisory, he spent 30 years with State Farm Insurance. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and wealth management consultations to clients in the Schwab Wealth Advisory program and select referred clients. The firm’s guidance includes asset allocation and investment selection based on Charles Schwab & Co.’s asset-allocation models and research tools, with trades executed only upon client authorization.