Kristina Frederick is a financial advisor at Charles Schwab with Series 66 and Series 63 designations and two years of industry experience. Prior to joining Charles Schwab & Co., Inc., she worked in education and healthcare-related roles, including positions at Pima Medical Institute and Denver Public Schools. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by dedicated research and alternative investment due diligence.

Stephen Lemeshewsky is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Charles Schwab since 2016 and also worked at Schwab Wealth Investment Advisory, Inc. Prior to that, he held roles at Charles Schwab Bank SSB and Charles Schwab Premier Bank since 2025. Charles Schwab & Co., Inc. serves a large client base, mainly 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 and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Christopher Elpers is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab Premier Bank, and Wells Fargo. 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 and discretionary investment options, utilizing multi-asset model portfolios and centralized operational support.

Jerry Ho is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to his current role at Charles Schwab, he worked at Northwestern Mutual and has experience in the restaurant industry. He also owns and manages a rental property. 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, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investments.

Dakota Coombes is a financial advisor at Fidelity with a Series 66 designation and seven years of industry experience. His work history includes roles at Fidelity Brokerage Services LLC and Fidelity Investments, as well as earlier positions at AXA Advisors and involvement with Colorado State University-Pueblo. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios composed of mutual funds, ETFs, and ETPs, and serves roles including commodity pool operator registration and advisory services to multiple registered investment companies.

Timothy Glass is a CFA® charterholder with 19 years of industry experience. He has been with Charles Schwab since 2006 and previously worked at TD Ameritrade from 2021 to 2024. He is also affiliated with Brothers Glass Investments, where he has been involved since 2005. 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 affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, supported by multi-asset model portfolios, formal alternative investment processes, and integrated custody and brokerage services.

Kristi Schliewe is a financial advisor at Charles Schwab with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2015. 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 investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Janet Vaneman is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. Her prior work includes roles at Uber Eats, Financial Synergies Wealth Advisors, and the S.M. Tracy Herbarium, as well as a decade in full-time education. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMA portfolios, supported by its scale and integrated operational structure.

Adriana Guez is a financial advisor at Charles Schwab with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2017, following roles at BBVA Securities, BBVA Wealth Solutions, BBVA Compass Insurance Agency, Compass Bank, GWFS Equities, and Great West Financial. Charles Schwab serves a large client base, 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 discretionary separately managed accounts, leveraging multi-asset model portfolios and a formal alternative-investment process.

Philip Cenedella is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes six years at Wells Fargo and a year at the University of Colorado Denver. Outside of finance, he is a musician and band manager, performing as a guitarist and vocalist and managing show promotions. 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 advice and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Judson Just is a financial advisor at Charles Schwab with 21 years of industry experience. He holds the CFA® designation and Series 63 license. Prior to joining Charles Schwab in 2017, he worked at 1492 Capital Management, LLC from 2015 to 2017. 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 and discretionary investment management with multi-asset model portfolios and alternative investment options.

Davis Rutledge is a financial advisor with Charles Schwab in Lone Tree, CO, holding a Series 66 designation and eight years of industry experience. Prior to joining Schwab in 2018, he worked at AXA Advisors, LLC and had roles at Chipotle Mexican Grill and Grimaldi's Pizzeria. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. Schwab combines non-discretionary investment guidance with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research and a formal alternative-investment program.

Yon Kim is a financial advisor at Raymond James & Associates with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Charles Schwab and its related entities for over two decades. He is based in Castle Rock, Colorado. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and municipal advisory services.

Jonathan Zuckerman is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has worked at Charles Schwab since 2013 and at Charles Schwab Bank since 2017. Charles Schwab & Co., Inc. serves 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 offers a combination of non-discretionary advisory recommendations and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Amel Topic is a CFP® certificant with six years of industry experience, currently serving as a financial advisor at Charles Schwab in Lone Tree, CO. Prior to joining Schwab in 2026, Amel worked at Fidelity Investments for six years and has experience in the senior living sector with Brookdale Senior Living and Life Care Centers of America. 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 a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized custody and order-routing arrangements.

Sarah Bellora is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and one year of industry experience. Prior to her current role, she worked in various educational positions and has been involved with animal rescue and dog training organizations. Outside of financial advising, she operates Happy Tales Dog Training. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, and custody services through its integrated Schwab Wealth Advisory wrap fee program. The firm provides both non-discretionary and discretionary investment options supported by a multi-asset model portfolio approach and centralized operational structure.

Kevin Mccann is a financial advisor with Fidelity, holding a Series 66 designation and 15 years of industry experience. He has been with Fidelity Investments since 2014 and has worked across different divisions within the firm. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a broad client base, including retail and institutional investors, with a focus on combining fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to registered investment companies and utilizes systematic methodologies and long-term asset allocation benchmarks.

David Barry is a financial advisor with LPL Financial in Highlands Ranch, Colorado. He holds Series 63, 65, and 66 licenses and has 23 years of industry experience, including prior roles at Investment Centers of America and Bancwest Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Mary Baker is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. She has been with Charles Schwab since 2015. 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 investment guidance and access to discretionary separately managed accounts, supported by centralized supervisory and custody arrangements.

Timothy Chommala is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 credential and has been with Charles Schwab since 2017, including time at Charles Schwab Bank, SSB. Prior to Schwab, he worked at Mercedes Benz of Westminster and Nordstrom. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by research and a formal alternative-investment process.