Kelly Knight is a financial advisor at Citigroup Global Markets with 20 years of industry experience and holds a Series 66 designation. Prior to joining Citigroup in 2022, Knight worked at First Command Financial Services, Inc, Wells Fargo Clearing, and Wells Fargo Advisors LLC. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, providing a broad range of advisory programs and execution services.

Laura Lightbourn is a financial advisor at Schwab Wealth Advisory with four years of industry experience. She holds Series 63 and Series 66 licenses. Prior to joining Schwab, she worked at Aquakids and SwimPro, LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, investment recommendations, and wealth management education, with advice delivered through standard Schwab asset allocation models and research tools.

Alexander Lee is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and one year of industry experience. Prior to joining Schwab, he held roles at J.P. Morgan Securities, JPMorgan Chase Bank, and Equitable Advisors. His early career includes positions in education and tutoring. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., focusing on model-based advice without discretionary trading authority.

Justin Mourning is a CFP®-certified financial advisor with six years of industry experience, currently with Schwab Wealth Advisory, Inc. He has previously worked at firms including JPMorgan Chase Bank, N.A., J.P. Morgan Securities, LLC, and Westwood Wealth Management. Mourning holds the Series 65 and Series 63 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning consultations, and investment recommendations through Schwab’s research tools and standard asset allocation models. The firm operates within the Schwab ecosystem and does not charge clients directly, differentiating it from many enterprise wealth managers.

Edmund Job is a CFP®-certified financial advisor with 21 years of industry experience. He is currently affiliated with Schwab Wealth Advisory, where he has worked since 2021. Prior to that, he spent nine years at TD Ameritrade Investment Management. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and focuses on providing annual financial reviews and investment recommendations without exercising discretionary trading authority.

Luke Roe is a financial advisor with Goldman Sachs Wealth Services based in Irving, TX. He holds a Series 66 designation and has two years of industry experience. Prior to his current role, he had brief employment in the country club and trailer leasing sectors. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, executives, plan sponsors, and institutional clients. The firm employs strategic and tactical allocation models and offers a range of specialized wealth and wellness programs, leveraging the broader Goldman Sachs platform and its affiliated entities.

Michael Osswald is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Charles Schwab & Co., Inc. and First Security Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, conducting at least annual account reviews while leaving final trading decisions to clients.

Edward Ittner Jr. is a financial advisor with Integrity Alliance, LLC, holding Series 63 and Series 65 credentials and bringing 50 years of industry experience. He previously worked at Brokers International Financial Services, LLC and NEXT Financial Group. He owns Fundamental Value Analytics, a research business focused on stocks, bonds, and macroeconomics. Integrity Alliance serves a diverse client base including individual investors, corporations, and qualified retirement plans. The firm operates a large network of independent advisors managing approximately $5.4 billion in assets and offers portfolio management, financial planning, and various investment program options.

Crystal Huggins is a CFP® with 20 years of industry experience, currently serving at Schwab Wealth Advisory. Her prior roles include positions at J.P. Morgan Securities, Wells Fargo Advisors, and Missionsquare Retirement. She is based in Westlake, TX. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with advisors recommending allocations while clients retain final trading decisions.

Smridhi Sharma is a Series 66-licensed financial advisor with Goldman Sachs Wealth Services, based in Irving, TX, and has two years of industry experience. Prior to joining Goldman Sachs, she held roles including UC Davis Orientation Leader and worked in the university's International Admissions Department. Outside of her advisory work, she manages a residential real estate property in Gurugram, India. Goldman Sachs Wealth Services offers financial planning, investment management, and advisory services to a diverse client base, including individuals, high-net-worth households, corporations, and institutional clients. The firm utilizes centralized investment resources and model portfolios, delivering tailored solutions through a combination of discretionary and non-discretionary managers within a large integrated financial group.

Jasmine Gregg is a financial advisor with Transamerica Retirement Advisors, LLC, holding a Series 66 credential and 10 years of industry experience. She has worked at Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2017, and previously at FIDELITY Brokerage Services LLC from 2014 to 2016. She also has experience at the University of Texas in Arlington. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed portfolio services and investment education through various advice programs. The firm uses proprietary software and model portfolios from Morningstar Investment Management to guide asset allocation and retirement planning, operating at scale with over 300 advisors and more than 200,000 clients.

Briana James is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and two years of industry experience. She has previously worked at Charles Schwab & Co., Inc., Jim Bridges State Farm, and Betsy Cole Farmers Insurance. Outside of her advisory role, Briana creates and sells handmade art pieces through her Etsy business, Honey and Sculpture. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools.

John Talleur is a CFP® professional with 10 years of industry experience, currently serving at Schwab Wealth Advisory. He has worked within various Charles Schwab entities since 2015, including Schwab Private Client Investment Advisory and Charles Schwab Bank. 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 using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with advisors recommending allocations while clients retain final trading decisions.

Bradley Reese is a CFP®, ChFC®, and Series 66 licensed advisor with 21 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and has prior experience at Charles Schwab and Co., Inc. and TD Ameritrade Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering services such as annual financial reviews, retirement planning, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not provide discretionary portfolio management.

Lydia Geisler is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds the Series 66 and Series 63 designations. Her work history includes roles at Charles Schwab Bank and Charles Schwab, spanning over a decade. Outside of her advisory role, she manages a rental property in Carrollton, Texas. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement and planning discussions, and investment recommendations utilizing Schwab’s research tools and standard asset allocation models.

William Nelson is a financial advisor with Primerica Advisors and holds Series 63 and Series 66 licenses. He has 23 years of industry experience, including roles at Hilltop Securities Inc. from 2016 to 2025 and currently at Park Avenue Securities and Guardian Life Insurance Company. Park Avenue Securities LLC serves a broad retail client base, offering both transaction-based brokerage and fee-based advisory services, including financial planning and retirement-plan consulting. The firm utilizes a variety of investment strategies through proprietary and third-party models, supporting a wide range of account types and investment options.

Brooke Heidelbaugh is a financial advisor at Focus Partners Wealth, LLC with two years of industry experience. She previously worked at Buckingham Strategic Wealth, LLC and has a background in education at Texas A&M University and Trinity Christian Academy. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, family offices, and institutional clients, offering a range of wealth management, retirement plan, and financial counseling services. The firm employs a long-term, tax- and fee-sensitive investment approach combining fundamental and quantitative analysis and integrates a broad set of affiliated service companies and product relationships.

Xin Hao is a CFP® professional with 11 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory Inc., having joined in 2024 after eight years at Wells Fargo Clearing and one year at Wells Fargo Advisors, LLC. Xin Hao holds Series 63 and Series 66 registrations. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory (SWA) program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, utilizing standard asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Christina Slavonik is a CFP® professional with 16 years of industry experience. She is currently with Mercer Global Advisors Inc. and has held roles at several firms including Your Financial Pharmacist Planning and Quest Capital Management. Her background includes comprehensive financial planning and advisory services. Mercer Global Advisors serves individuals, families, small business owners, and non-profits by providing discretionary and non-discretionary investment advisory services along with financial, tax, retirement, estate planning, and family office services. The firm’s investment strategy is based on Modern Portfolio Theory, focusing on globally diversified, risk-appropriate portfolios implemented through a variety of low-cost investment options and specialized programs.

Daniel Cummins is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at Bank of America Private Bank and TIAA. Outside of financial advising, he manages a residential rental property as a sole proprietor. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients through the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools. The firm conducts annual account reviews and delivers investment recommendations without exercising discretionary trading authority.