Nikita Tembo is a financial advisor at Charles Schwab with nine years of industry experience. Prior to joining Charles Schwab in 2024, Nikita worked at TD Ameritrade from 2017 to 2024. Outside of financial services, Nikita has been involved with Lone Star Valet since 2016. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts within an integrated operational structure.

Jason Lytle is a financial advisor with Charles Schwab in Westlake, Texas, holding Series 63 and Series 65 licenses. He has 27 years of industry experience, including thirteen years at New York Life and its affiliated firms and brief tenures at Ameriprise and Charles Schwab. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides multi-asset model portfolios alongside a formal alternative-investment platform.

Tyler Atchison is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and five years of industry experience. His prior work includes roles at TD Ameritrade and Charles Schwab Bank. Outside of his advisory work, he is an owner of Hamm Global LLC, a business unrelated to investment management. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios and alternative investment due diligence.

Ian Mac Donald is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has previously worked at MezzCap Partners, LLC and DoorDash. Outside of his advisory work, he engages in purchasing and reselling collectible trading cards as a hobby. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts. The firm provides integrated investment, brokerage, and custody services with centralized operational support.

Christopher Evers is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Charles Schwab since 2019. His prior experience includes roles at TD Ameritrade and Scottrade. Outside of financial services, he is involved in agricultural activities, including managing a small cattle operation. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through comprehensive wealth advisory and brokerage services, combining non-discretionary advice with access to discretionary separately managed accounts and a multi-asset investment approach.

Ryan Garcia is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Charles Schwab in 2022, Ryan worked at TD Ameritrade and Re/Max Top Realty. Charles Schwab 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’s investment approach combines non-discretionary advisory guidance with access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Victor Aguirre is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and 12 years of industry experience. He has worked with Charles Schwab since 2020 and previously spent six years at USAA in various financial planning and advisory roles. 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, offering a combination of non-discretionary advisory and discretionary separately managed accounts with a multi-asset model portfolio approach.

Alan Veloz is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Charles Schwab in 2023, he worked at TD Ameritrade from 2021 to 2023 and served in the United States Marine Corps from 2016 to 2018. 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 solutions, leveraging multi-asset model portfolios and a formal alternative-investment onboarding process.

Stephanie Rios is a financial advisor at Charles Schwab with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Co., Inc. since 2023, with prior experience at TD Ameritrade and Equitable Advisors. 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 blend of non-discretionary and discretionary investment solutions supported by strategic asset allocation, alternative investment due diligence, and centralized operational capabilities.

Joalma Holland is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and six years of industry experience. Prior to joining Schwab, Holland worked at Robinhood Financial and has military service with the Air Force. 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 both non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and a centralized, integrated operational structure.

Travis Sullivan is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation. Prior to joining Schwab, he worked at Southern Glazer's Wine and Spirits and RBC Capital Markets. 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, combining non-discretionary investment guidance with access to affiliated discretionary separate managed accounts.

Ryan Mackie is a financial advisor with Charles Schwab & Co., Inc. in Westlake, Texas, holding Series 66 and Series 63 licenses. He has one year of experience in the financial industry. Prior to joining Charles Schwab, his work history includes roles at Gartner, Mr. Cooper, Advantis Medical, and HEB, as well as periods of full-time education. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals primarily through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a combination of non-discretionary and discretionary advisory options with multi-asset model portfolios and centralized custodial and supervisory support.

Stephen Tapp is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Waterhouse Investor Services Inc for 15 years before joining Charles Schwab in 2021. Outside of his advisory role, he is a self-employed fine artist who occasionally sells paintings. Charles Schwab 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 with integrated brokerage, custody, and financial planning services.

Erin Marshall is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She joined Charles Schwab in 2019 after four years with Prospera Financial Services, Inc. Outside of her advisory work, she serves as a parliamentarian on the Shawnee Trail Elementary School PTA Board in Frisco, TX. Charles Schwab 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, offering both non-discretionary and discretionary investment options.

Joshua Doyle is a financial advisor at Charles Schwab with CFP® certification and Series 63 and 66 licenses. He has four years of industry experience, having worked previously at TD Ameritrade, Fidelity Investments, and Cintas. His current role is based in Westlake, TX. 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 guidance and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Justin Garza is a financial advisor with Charles Schwab in Westlake, Texas. He holds Series 63 and Series 66 registrations and has three years of industry experience. His prior work includes positions at Charles Schwab Bank SSB and H-E-B, LP. 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 management using multi-asset model portfolios and provides centralized supervisory, custody, and order-routing services.

Rachel Johnson is a financial advisor at Charles Schwab with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2017, following a year at Fidelity Brokerage Services. 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 relationships and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operations.

Floyd Jaundoo is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and approximately four years of experience in the industry. His work history includes roles at Charles Schwab Bank, Apple, Sunglass Hut, and the company Take It Easy. 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, utilizing multi-asset model portfolios, written advice policies, and alternative investment options through a centralized and integrated operational structure.

Martin Albarran is a financial advisor at Charles Schwab with one year of industry experience. He holds Series 66 and Series 63 credentials. His prior experience includes roles at Bank of America, City National Bank, and Marathon Petroleum. 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 provides both non-discretionary investment guidance and access to discretionary separately managed accounts, leveraging multi-asset model portfolios and a centralized operational structure.

Michael Malone is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at TD Ameritrade for six years prior to joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment services supported by multi-asset model portfolios and alternative investment options.