Justen Smith is a financial advisor with Schwab Wealth Advisory in Westlake, TX, holding Series 63 and Series 66 licenses and bringing six years of industry experience. His prior work includes roles at Charles Schwab, Massachusetts Mutual Life, Aflac, and involvement with the UIC Forum and University of Illinois. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Houston Heck is a CFP® professional at Schwab Wealth Advisory with two years of industry experience. Prior to his current role at Schwab, he operated Heck Mowing Services for several years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s services focus on asset allocation and investment selection using Charles Schwab’s standard models and research tools, with tailored recommendations based on client goals and risk tolerance.

Patrick Norambuena is a financial advisor at PNC Wealth Management in Irving, TX, holding a Series 66 designation with five years of industry experience. His previous roles include positions at Bank of America, Merrill, and The Prudential Insurance Company of America. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees, using algorithm-driven risk assessment and third-party portfolio management.

Alejandro Barrera is a financial advisor with PNC Wealth Management in Fort Worth, TX, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at Fidelity Brokerage Services LLC and Fidelity Investments. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary digital portfolio solution available by invitation. The firm’s approach involves algorithm-driven risk assessment and uses third-party strategists to manage investments primarily in mutual funds and ETFs, with annual rebalancing.

William Burks II is a financial advisor at Centaurus Financial, Inc. with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Centaurus Financial since 2000. Burks also serves as a consultant for fintech firms involved in platform development and branding. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, and specialized services such as retirement-plan consulting and advisory management of annuity and variable life sub-accounts.

Campbell Warren is a financial advisor at Mariner with a Series 65 credential and two years of industry experience. Prior to his current role, he has held positions at Mariner Wealth Advisors and has experience working at Barred Owl Butcher and Table as well as La Bodega. Mariner serves a diverse client base including individuals, pension plans, trusts, estates, and charitable organizations through investment management, financial planning, and retirement consulting. The firm offers customized discretionary portfolios supported by in-house research and third-party managers, along with integrated tax and accounting services and family office capabilities.

Kevin Baumhart is a CFP® with 10 years of industry experience. He is currently with Schwab Wealth Advisory and previously worked at Fidelity Investments and Cresset Asset Management. 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, focusing on personalized asset allocation and investment selection without discretionary trading authority.

Joanne Bolden is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various firms including Charles Schwab and The Vanguard Group. 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 research tools.

Anish Bamne is a financial advisor at Schwab Wealth Advisory holding Series 63 and Series 66 registrations, with two years of industry experience. He has worked at Schwab in various capacities since 2022 and has prior experience at The Heico Companies and Spanera LLC. 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 referred clients, using proprietary asset-allocation models and research tools. The firm emphasizes tailored recommendations without discretionary trading authority and operates on a large scale with formal compliance measures and unique affiliations within the industry.

Debora Clark is a financial advisor with Eagle Strategies (NY Life) in Fort Worth, TX, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked with Eagle Strategies since 2018 and with New York Life and its affiliated broker-dealer since 2003. Outside of her advisory work, she serves as the organist for Trinity Episcopal Church, a role she has held for over 40 years. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors, institutional sponsors, and plan sponsors. The firm delivers tailored advice through various program types, with a significant focus on non-discretionary assets and fiduciary responsibilities for retirement investors.

Tiffany Clark is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. She has held various roles within Charles Schwab entities since 2015. 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 selected Charles Schwab & Co.-referred clients. The firm’s advice is guided by Charles Schwab’s asset-allocation models and research tools, offering tailored recommendations with at least annual reviews.

Rebecca Sizelove is a CFP® professional with eight years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. She has held positions at Charles Schwab & Co., Inc., Charles Schwab Bank, J.P. Morgan Securities LLC, and TD Ameritrade. 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 emphasizes tailored recommendations based on asset allocation models and internal research, with trades executed only upon client authorization.

Emily Lopez is a financial advisor at Schwab Wealth Advisory with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab, Robinhood Financial, and Fidelity Investments. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm uses Charles Schwab’s asset-allocation models and research tools to offer tailored recommendations based on clients’ goals and risk tolerance, with trades executed only upon client authorization.

Nehemiah Jefferson is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 licenses. He began his career in financial services in 2025 after nine years at Esquire Tax Firm Americas Tax Attorney Carrington. Jefferson is based in Westlake, TX. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm’s advice is based on internal research and asset-allocation models, with individualized recommendations reviewed at least annually.

Domonique Lockridge is a CFP® with four years of industry experience, currently serving as a financial advisor at Empower Advisory Group. Prior to joining Empower, Lockridge held positions at Goldman Sachs & Co. LLC and Purshe Kaplan Sterling Investments. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates, and recommends investment lineups selected by plan sponsors within its extensive affiliated network.

Christopher Leyda is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 credentials and five years of industry experience. His work history includes roles at Charles Schwab & Co., Inc., Equitable Advisors, LLC, and Point of Rental Software. Schwab Wealth Advisory 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 Schwab’s asset-allocation models and research tools, with personalized recommendations reviewed at least annually.

Callie Rainwater is a Series 66 licensed financial advisor with Schwab Wealth Advisory, Inc., bringing four years of industry experience. She has previously worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. Rainwater is also a co-owner of Rainwater Geospatial LLC, where she manages accounting and legal compliance. 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 and financial planning based on internal research tools and standard asset-allocation models.

Ronald Regan is a CFP® with 26 years of industry experience, currently with Schwab Wealth Advisory Inc. He has worked at notable firms including Charles Schwab & Co., Inc., TD Ameritrade, and Fidelity Brokerage Services. Outside of his advisory role, he serves as Co-Chair of the Dallas Chapter of the Market Technicians Association and participates on the Architecture Review Committee for the Wilshire Valley Homeowners Association. 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 advice is based on Schwab’s asset-allocation models and internal research, with reviews tailored to clients’ goals and risk tolerance, and trades executed only with client authorization.

Millicent Holmes is a CFP® professional with 9 years of industry experience, currently serving at Schwab Wealth Advisory Inc. She has held roles at Zeiders Enterprises, Inc., Comprehensive Partners, LLC, and Crowe Wealth Management, LLC, among others. Holmes also has experience running Holmes Business Analytics. 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 and certain Charles Schwab & Co.-referred clients. The firm’s approach is based on standardized asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Robert Malzberg is a Series 66-licensed financial advisor at Schwab Wealth Advisory with four years of industry experience. His prior roles include positions at JPMorgan Chase Bank, The Vanguard Group, and Bank of America Merrill Lynch. Outside of finance, he has worked in diverse sectors including DoorDash and the New York Yankees. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations according to client goals and risk tolerance.