Cameron Gonzales is a financial advisor at Charles Schwab with Series 66 and Series 63 designations and four years of industry experience. His background includes roles at Charles Schwab Premier Bank, Charles Schwab Bank, and Topgolf. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts, offering multi-asset model portfolios and alternative investment options.

Richard Kundracik is a financial advisor at Cetera with 38 years of industry experience. He holds Series 66 and Series 63 designations and has held positions at firms including Hartshorne Group Inc. and Millington Securities, Inc. He has been with Cetera since 2024. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, operating as a multi-manager platform with over $256 billion in assets under management.

Michael Brassell is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Sheldon Focht is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Charles Schwab since 1999 and also works with Charles Schwab Bank SSB and Vine, where he reviews products listed on Amazon.com. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment options supported by centralized custody and research capabilities.

Scott Milani is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2022. In this role, he leads a team of financial professionals dedicated to providing clients with a financial planning experience that exceeds their expectations. Scott emphasizes the benefits of doing business at Fidelity, including access to a trusted brand and advanced technology. Prior to joining Fidelity, Scott served as a Regional Director at TD Ameritrade from 2014 to 2021. His experience encompasses leadership roles within the financial services industry, focusing on team management and client service. Outside of his professional responsibilities, Scott enjoys family activities, fitness, outdoor adventures, and traveling.

Jacob Swiatek is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and five years of industry experience. He has held various roles within Charles Schwab entities since 2020 and previously worked in the automotive retail sector. Outside of finance, he is involved as an owner and manager of an automotive repair business and serves as a lifeguard at a local recreation center. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios and a centralized operational structure.

Kathryn Carabello is a financial advisor at Edward Jones with 11 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2014. Based in Castle Rock, CO, she provides wealth management services through a firm that serves both individual and institutional clients. Edward Jones is a full-service wealth management firm managing approximately $1.01 trillion in assets, serving over four million clients through a network of roughly 23,701 advisors and 15,121 branches nationwide. The firm offers a range of investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Brayden Vogel is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and seven years of industry experience. His work history includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc., along with positions in agricultural administration and hospitality. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advice with access to affiliated discretionary portfolios and alternative investment options.

Tyler Hautamaa is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and four years of industry experience. His prior work includes roles at E2 Optics, Hail Busters LLC, Ski Mats, Whole Foods Market, and the University of Colorado at Boulder. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options alongside brokerage, custody, and financial planning services. The firm employs a multi-asset model portfolio approach supported by research and due diligence from its Schwab Center for Financial Research.

Brian Zipler is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 65 designations and has worked at multiple firms, including Transamerica, CETERA Advisor Networks LLC, United Capital Financial Advisers, Girard Securities, and Scottrade. He has been with Charles Schwab since 2018. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios, written advice policies, and a formal alternative-investment onboarding process.

Salena Winter is a financial advisor with Edward Jones in Castle Rock, CO, holding a Series 66 designation and 16 years of industry experience. She has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a nationwide network of approximately 23,701 financial advisors. The firm offers a range of discretionary and non-discretionary investment strategies, tax-efficient services, and maintains affiliated capabilities including a trust company and proprietary funds.

Nick Niehaus is a Vice President and Executive Planning Consultant at Fidelity Investments. In this role, he guides executives and investors through financial planning, investment strategy, and employer benefit decisions. He focuses on tailoring ideas and suggestions to align with each client's unique goals and preferences. Nick has extensive experience in the financial services industry, having held several leadership positions. Before his current role, he was a Vice President and Regional Planning Consultant at Fidelity Investments from 2019 to 2021. Prior to that, he served as Vice President and Branch Manager at Charles Schwab & Co., Inc. from 2011 to 2019 and as Vice President and Financial Consultant at Charles Schwab & Co., Inc. from 2004 to 2011. He holds insurance licenses in Arkansas and California.

Jennifer Ratini is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 11 years of industry experience. Her prior roles include positions at JPMorgan Securities, LLC and JPMorgan Chase Bank. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside alternative investment options vetted by its research center.

Garrett Waltermire is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2017 and Charles Schwab Bank since 2019. Prior to joining Schwab, he was at the University of Colorado Boulder from 2013 to 2017. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts managed by an affiliate, and it operates a multi-asset model portfolio approach supported by dedicated research and alternative investment offerings.

Michael Debord is a financial advisor at Charles Schwab with 12 years of industry experience. He has held roles at Scottrade and Charles Schwab, working at Schwab since 2018. He holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions using multi-asset model portfolios and provides centralized custody and operational support.

Kyle Smith is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2016, progressing through roles including Financial Consultant, Planning Consultant, Relationship Manager, Central Relationship Manager, Investment Solutions Representative, and Financial Representative, Full Trader. Kyle's professional experience encompasses financial consulting and investment planning, focusing on retirement planning and customized investment strategies tailored to clients' goals for growth, income, and protection. He emphasizes providing education and motivation to help clients make informed decisions regarding their financial accounts. Outside of his professional role, Kyle's personal interests include camping, fishing, football, outdoor adventures, parenthood, and traveling.

Christopher Martwig is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has been with Charles Schwab since 2011, including over a decade at Schwab Wealth Advisory. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines a primarily non-discretionary advisory model with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by centralized operational and custody services.

Douglas Campbell is a financial advisor with Charles Schwab in Lone Tree, CO, holding the ChFC® designation and Series 63 and 66 licenses. He has 23 years of industry experience, including a year at Thrivent Investment Management before joining Charles Schwab in 2005. Campbell volunteers on the finance committee for the nonprofit Second Wind Fund, providing oversight on budgeting and financial policies. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

William Edelmann is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America, Ping Identity, and C2 Investments Inc. He has also worked in food service at Anthonys Pizza and Pasta and held positions in real estate and creative services. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Evan Lombardo is a financial advisor with Charles Schwab & Co., Inc. in Lone Tree, Colorado, holding a Series 66 credential and three years of industry experience. Prior to joining Schwab in 2026, he worked at Morgan Stanley for four years and held positions at Ideal Home Loans and Zenith Home Loans. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational structure.