Kelly Knight is a financial advisor at Citigroup Global Markets with 20 years of industry experience. She holds a Series 66 designation and has worked at Citigroup since 2022, following prior roles at First Command Financial Services and Wells Fargo. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with a notable combination of large institutional scale and unique market roles.

Laura Lightbourn is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and five years of industry experience. Her prior work includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc., as well as experience with SwimPro, LLC and Aquakids. 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. The firm’s guidance is based on proprietary asset-allocation models and internal research tools, delivering personalized recommendations without exercising discretionary trading authority.

Alexander Lee is a financial advisor at Schwab Wealth Advisory with one year of industry experience. He holds the Series 66 designation and has prior work experience at J.P. Morgan Securities, JPMorgan Chase Bank, and Equitable Advisors. Before entering the financial industry, he held roles in education and tutoring. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach uses Schwab’s standard asset-allocation models and internal research tools, with recommendations tailored to each client’s goals and risk tolerance.

Justin Mourning is a CFP® with six years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Westlake, TX. His prior experience includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, and Westwood Wealth Management. Schwab Wealth Advisory 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 utilizes Schwab’s standard asset-allocation models and research tools, offering tailored recommendations with client authorization required for trades.

Edmund Job is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at TD Ameritrade Investment Management, Fidelity, Merrill, and Ameriprise. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients, focusing on asset allocation and investment selection based on Charles Schwab’s proprietary models and research tools.

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. Prior to joining Schwab Wealth Advisory, Osswald worked at Charles Schwab & Co., Inc. and First Security Bank. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s investment guidance is based on Schwab’s asset-allocation models and internal research, with client authorization required for all trades.

Edward Ittner Jr. is a financial advisor with Integrity Alliance, LLC, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. His prior roles include positions at Merrill, NEXT Financial Group, and Ashland Management, Inc. He also owns Fundamental Value Analytics, a research venture focused on stocks, bonds, and macroeconomic analysis to support client advising. Integrity Alliance, LLC serves a diverse client base ranging from individual investors to corporations and qualified retirement plans. The firm manages approximately $5.4 billion in assets through a network of over 300 independent advisors, offering portfolio management, financial planning, and both wrap and non-wrap accounts, utilizing various strategic allocation approaches and third-party sub-advisers.

Pamela Pimentel is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her career includes roles at Charles Schwab & Co., Inc. and Fidelity Brokerage Services. She previously worked in education at Relay Graduate School of Education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referred clients. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Crystal Huggins is a CFP® professional with 20 years of industry experience, currently serving at Schwab Wealth Advisory. Her prior roles include positions at J.P. Morgan Securities LLC, Instacart, Missionsquare Retirement, and Wells Fargo. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.'s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Jonathan Dodd is a CFP® professional with 23 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. Since 2026, he has worked at Schwab Wealth Advisory and has been associated with Charles Schwab & Co., Inc. since 2019. Prior to this, he spent 15 years with Avantax Advisory Services and one year at Wells Fargo Investments. Outside of his advisory work, he serves as a board member for his neighborhood homeowners association. 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 certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on standard asset-allocation models and internal research tools, offering tailored investment recommendations while trades require client authorization.

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 prior experience with Charles Schwab & Co., Inc., as well as in the insurance sector with Jim Bridges State Farm and Betsy Cole Farmers Insurance. Outside of her advisory role, she designs and produces handmade art, managing sales and content creation through Etsy. 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 offers guidance on asset allocation and investment selection using proprietary research tools, with trades executed only upon client authorization.

John Talleur is a CFP® professional with 10 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, having worked within various Charles Schwab entities since 2015. His experience spans roles at Schwab Wealth Advisory Inc., Schwab Private Client Investment Advisory, Inc., and Charles Schwab Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations with client authorization required for trades.

Bradley Reese is a CFP® and ChFC® with 21 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and has held roles at Charles Schwab and Co., TD Ameritrade Inc., and Merrill. Reese is based in Westlake, Texas. 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-referred clients. The firm’s advice is based on Schwab’s asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Reade Achilli is a CFP® with three years of industry experience, currently affiliated with Schwab Wealth Advisory in Westlake, TX. He has held roles at Charles Schwab & Co., Inc. since 2026 and previously worked at Bank of America and UBS Financial Services. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations, with guidance based on proprietary asset-allocation models and research tools.

Lakyia White is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds the Series 66 designation and has worked in various roles within Charles Schwab & Co., Inc., including Schwab Private Client Investment Advisory and Schwab Wealth Advisory, Inc. Prior to joining Schwab, she held positions at Asset Campus Housing, ReMax Cortiers, Servitas Management Company, Fluent, Zipcar, and Texas A&M University. 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. The firm’s services focus on asset allocation and investment selection guided by Schwab’s internal research and standard models, with trades executed only with client authorization.

Allen Kozel is a CFP® professional at Cerity Partners LLC with 11 years of industry experience. He has worked at Cerity Partners since 2021 and previously held roles at Envoy Advisory Inc., Odyssey Wealth Management, and First Allied Advisory Services, INC. He holds the Series 66 designation. Cerity Partners advises a diverse client base, including high-net-worth individuals, families, institutions, and business entities, providing customized wealth management services such as investment management, financial planning, and retirement consulting. The firm combines quantitative screening and manager selection with direct security selection and offers access to alternative and private market solutions for qualified clients.

Lydia Geisler is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Charles Schwab in various capacities since 2014. Outside of her advisory role, she manages a rental property in Carrollton, Texas. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is guided by Charles Schwab’s asset-allocation models and internal research tools, with client-approved trade execution and annual account reviews.

William Nelson is a financial advisor with Guardian Life in Southlake, TX, holding Series 63 and Series 66 designations and 23 years of industry experience. His work history includes roles at Hilltop Securities Inc., Momentum Independent Network Inc., and currently Park Avenue Securities. Guardian Life’s subsidiary, Park Avenue® Wealth Management, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and proprietary as well as third-party platforms.