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.

Tara Blair is a CFP® professional affiliated with LPL Financial, based in Fort Worth, TX, with 28 years of industry experience. She spent 26 years at Lincoln Financial Advisors Corporation before joining LPL Financial in 2024. Blair is also involved with Blair Capital Group LLC, a non-investment related entity established for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios from LPL and third-party providers.

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.

Joshua Murray is a financial advisor with Primerica Advisors in Azle, TX, holding Series 63 and Series 65 licenses and having 23 years of industry experience. He has been with Primerica Advisors since 2002 and Primerica Financial Services since 2001. Outside of his advisory role, he is a director of Joshua Murray & Associates, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and limited discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

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 at Charles Schwab with Series 63 and Series 66 licenses and four years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2022 and Charles Schwab Bank since 2024. Prior to joining Schwab, he held positions at H-E-B, LP and Sunbelt Supply LLC. 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 separate managed accounts, supported by a large-scale, integrated operational structure.

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.

John Ehlers is a financial advisor at Charles Schwab with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Charles Schwab and its affiliated entities since 2018, including TD Ameritrade from 2006 to 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and alternative investment options within a large, integrated operational structure.

Angela Young is a financial advisor at Fidelity with 28 years of industry experience. She holds the Series 63, Series 65, and Series 66 credentials. Prior to joining Fidelity, Young worked at The Vanguard Group for 23 years and held roles at USAA Investment Services Company and Apex Systems. Outside of her advisory work, she creates and presents masterclasses for women on marriage through an online platform. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios drawn from mutual funds, ETFs, and ETPs.