Javier Chavez Fernandez is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 66 and Series 63 licenses and three years of industry experience. Prior to joining Charles Schwab in 2022, he worked at The Home Depot from 2019 to 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a formal alternative-investment onboarding process.

Michael Riedmuller is a financial advisor at Raymond James Financial with 16 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Raymond James in 2025, he worked for Edward Jones for 15 years. Outside of advisory work, he owns FoxOwlRanch, an LLC intended for agricultural land leasing. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and consulting using analytical tools to help clients achieve their goals and supports a broad advisor network with services including municipal and public finance advisory.

Lateefa Naqvi is a financial advisor at Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses with four years of industry experience. Her work history includes roles at Bellco Credit Union, Groove Subaru, and Warranty Solutions prior to joining Charles Schwab in 2021. 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 advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Jason Suzuki is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked with Charles Schwab & Co., Inc. since 2017, including a role at Charles Schwab Bank SSB. Outside of his advisory work, he has contributed a short story to Go West Magazine as a freelance author. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through comprehensive wealth advisory and managed-account services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

William Shaffer is a CFP® professional with eight years of industry experience, currently serving at Charles Schwab in Lone Tree, Colorado. His background includes roles at Charles Schwab Bank, Schwab & Co., Inc., as well as earlier positions in energy and bookkeeping sectors. Outside of his advisory work, he participates in consumer surveys and website testing through Usertesting.com. Charles Schwab & Co., Inc. serves a large client base, mainly high- and ultra-high-net-worth individuals, offering a range of wealth advisory and managed-account services. The firm provides both non-discretionary and discretionary investment guidance through multi-asset portfolios and maintains an integrated operational structure with centralized supervisory and custody arrangements.

Samuel Spencer is a financial advisor at Charles Schwab with Series 66 credentials and two years of industry experience. His prior work includes roles at Charles Schwab Bank, Murray State University, and various service and education positions. 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.

Colton Tanner is a financial advisor with Charles Schwab holding Series 63 and Series 66 licenses, with nine years of industry experience. He has been with Charles Schwab & Co., Inc. since 2016 and previously worked for CoachUp from 2016 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs, delivering investment guidance using multi-asset model portfolios and a formal alternative-investment onboarding process.

Daniel Ziegler is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab and Robinhood Markets during his career. 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 solutions supported by multi-asset model portfolios and centralized operational structures.

Cody Macintyre is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has prior experience as a self-employed advisor and with Bighorn Directional Inc. 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, third-party asset management, and institutional platforms.

Cindy Basham is a financial advisor with Edward Jones in Highlands Ranch, CO, holding a Series 66 designation and one year of industry experience. Her prior work includes positions at Tuthill & Hughes LLP and Goldman, Felcoski & Stone PA. Outside of her advisory role, she manages real estate rental properties through privately held trusts and LLCs. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering both discretionary and non-discretionary investment strategies and a range of affiliated financial products. The firm is known for its extensive retail advisor network and integrated capabilities beyond advisory services.

Jared Sosa is a financial advisor with LPL Financial based in Castle Pines, Colorado, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His career includes roles at Transamerica Financial Advisors and Executive Wealth Management, along with ownership interests in several businesses such as Premier Coverage, LLC. 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 financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supporting advisors with research and operational tools while overseeing more than $819 billion in discretionary assets.

Andrea Arce Gutierrez is a financial advisor at Charles Schwab with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various Charles Schwab entities since 2021. Prior to joining Schwab, she was employed at Fidelity Brokerage Services and Fidelity Distributors, and earlier worked at Chipotle Mexican Grill. 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 solutions supported by multi-asset model portfolios and centralized operational structures.

Daniel Gerber is a financial advisor at Charles Schwab with 21 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2020. Prior to that, he spent ten years with USAA financial planning services and two years with USAA Investment Management Company. Gerber serves as an unpaid board member of Mission Medical Center, a healthcare clinic providing care for patients without insurance who do not qualify for Medicaid or Medicare. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management alongside brokerage, custody, and cash-sweep services within an integrated operational structure.

Timothy Becker is a financial advisor with Charles Schwab who holds Series 63 and Series 65 designations and has 19 years of industry experience. Prior to joining Schwab in 2020, he worked at USAA Financial Advisors and USAA Investment Management Company. Outside of his advisory role, he has served as a basketball and football official with Rocky Mountain Sports Officials for over two decades. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and related 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 custody and supervisory arrangements.

Devon Kushner Ford is a financial advisor with Charles Schwab holding Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Schwab, Ford held various roles including positions at Firstsource, K5 Capital Group, and Honest Industries. 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Edward Freygang is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Charles Schwab since 1995. Outside of his advisory role, Freygang serves as a track and cross country official for local high school and middle school events. Charles Schwab & Co., Inc. serves a large client base that includes high- and ultra-high-net-worth individuals through its wealth advisory wrap fee program and affiliated managed-account and financial planning services. The firm’s integrated approach combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a structured alternative-investment offering.

Sylvia Debowski is a financial advisor with Raymond James & Associates holding a Series 66 designation and 23 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and UBS Financial Services. She has been with Raymond James & Associates since 2026. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by in-house research and affiliated sub-advisers.

Jennifer Walsh is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding a Series 66 designation and eight years of industry experience. She worked at Advisory Research, Inc. from 2010 to 2017 before joining Charles Schwab, where she has been since 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by due diligence from its Center for Financial Research.

Ariel Abramov is a financial advisor at Charles Schwab with 7 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Charles Schwab since 2018. Prior to this, he worked in roles outside the financial advisory field, including positions at Clinica Tepeyac and Wood and Repair. Charles Schwab & Co., Inc. serves a large client base of 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 and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody, brokerage, and alternative investment due diligence.

Angela Tipton is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and three years of industry experience. She has been with Charles Schwab & Co., Inc. since 2023 and also works with Charles Schwab Bank, SSB. Prior to her financial services career, her work history includes positions in the food and beverage industry. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and research-driven investment guidance.