Esteban Velez Rios is a financial advisor at First Command Advisory Services with Series 63 and Series 65 qualifications and one year of industry experience. His prior work includes roles at First Command Insurance Services, First Command Brokerage Services, the United States Department of Agriculture, Ernst & Young, and other firms. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers, offering model portfolios built from mutual funds, ETFs, and third-party managers.

Millicent Holmes is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Her prior roles include positions at Zeiders Enterprises, Inc. and Comprehensive Partners, LLC, as well as running Holmes Business Analytics for over a decade. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews and investment recommendations using Schwab's proprietary research tools. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its advisory model from many enterprise wealth managers.

William Haynes is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding a Series 66 designation and six years of industry experience. He has been with First Command since 2010. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to design and manage model portfolios and third-party manager selections.

Frederick Ehinmiakhena II is a financial advisor at Eagle Strategies (New York Life) in Southlake, TX, holding Series 63 and Series 65 licenses with eight years of industry experience. His prior roles include positions at Mass Mutual and Northwestern Mutual, spanning various capacities from 2015 to 2023. He is also involved in insurance brokering for non-registered insurance products. Eagle Strategies serves a diverse client base including individuals, institutional investors, and retirement plan sponsors, offering financial planning, investment management, and advisory services. The firm emphasizes tailored solutions and predominantly manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Robert Malzberg is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds a Series 66 designation and has worked at firms including JPMorgan Chase Bank, The Vanguard Group, and Bank of America. His background also includes roles outside traditional finance, such as employment with DoorDash and the New York Yankees. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations. The firm utilizes Schwab's proprietary research tools and standard asset allocation models, with clients retaining final trading decisions while receiving guidance from advisors.

Aniyah Gibbs is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Schwab, she held roles at United Specialty Advertising, Florida Financial Advisors DBA Texas Financial Advisors, and Kula Sports Performance. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations through Schwab’s asset allocation models and research tools.

Kevin Richardson is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes positions at TD Ameritrade and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Kori Bean is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. She has been with First Command since 2008. Outside of her advisory role, she is the sole proprietor of a business creating yoga- and mindfulness-related products and game accessories sold on Amazon. First Command Advisory Services is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, using a centralized Investment Management Team to design and monitor model portfolios and third-party manager selections.

Nate Ramirez is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 12 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its services.

Thanh Vo is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab, TD Ameritrade, CarMax, and World Market. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not typically act as a discretionary portfolio manager.

Matthew Mc Coll is a financial advisor at Schwab Wealth Advisory with a Series 65 designation and four years of industry experience. His prior roles include positions at Charles Schwab, Mass Mutual Investors Services, and Turnbridge, as well as experience as an attorney. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, planning discussions, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co. and does not charge clients directly for its services.

Hongli Chen is a CFP®-credentialed financial advisor at Schwab Wealth Advisory with nine years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Chen worked at Charles Schwab & Co., Inc. and TD Ameritrade, Inc. He is also involved in property management activities, assisting with tenant needs. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering recommendations via standard asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Randall Crimmings is a CFP® professional with 22 years of industry experience, currently serving at Focus Partners Wealth, LLC. His prior experience includes roles at The Colony Group, LLC, Buckingham Strategic Wealth, LLC, and Clintsman Financial Planning. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that integrates active and passive strategies within an enhanced open architecture framework.

Mary Aguirre is a financial advisor at Schwab Wealth Advisory with four years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab, TD Ameritrade, Lockton Dunning Benefits, and Conduent Business Services. Prior to her advisory roles, she also spent time as a stay-at-home mom. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, using standard asset allocation models and research tools while leaving final trading decisions to clients.

Natali Espinosa is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials. She has been with Schwab Wealth Advisory and Charles Schwab since 2025. Prior to entering the financial industry, she spent several years in full-time education and worked at Ozumo Santana Row LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools. The firm operates as an internal advisory unit within Charles Schwab, delivering advice without discretionary trading authority and typically serving individual clients rather than institutional accounts.

Harvey Pullen is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with First Command entities continuously since 1990, joining First Command Advisory Services in 2015. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team and Wealth Portfolio Managers to design and manage model portfolios from preapproved third-party managers.

Randy Mills is a CFP® and ChFC® with seven years of industry experience, currently affiliated with First Command Advisory Services in Fort Worth, TX. He previously served six years in the U.S. Army before beginning his financial advising career at First Command in 2019. Mills is a participating member of Ironsides LLC and the sole member of RM4U LLC, which he uses to conduct advisor business activities. First Command Advisory Services is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by a centralized investment team that selects and monitors approved model portfolios and third-party managers.

Andrew Scott is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and eight years of industry experience. He has worked at Charles Schwab & Co., Inc. and Schwab Private Client Investment Advisory, Inc. since 2021, with prior experience at Fidelity Investments, Amazon, and the University of North Texas. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending allocations but clients retaining final trading decisions.

Libna Pineda Vega is a financial advisor at First Command Advisory Services with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Merrill and Bank of America. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Heather Panuco is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding a Series 66 license and 11 years of industry experience. Her career includes roles at Edward Jones and Huawei Technologies USA before joining First Command Financial Planning in 2018. First Command Advisory Services is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to design and monitor model portfolios and select third-party managers.