Judith Espinosa is a CFP® with two years of industry experience. She is currently a Schwab Wealth Advisor at Charles Schwab and has held roles within Charles Schwab Investment Management and TD Ameritrade. Charles Schwab & Co., Inc. serves 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 discretionary separately managed accounts and a comprehensive alternative-investment platform.

John Roth is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Fidelity Investments and New York Life Insurance Company. Roth is currently based in Westlake, TX. 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 financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and alternative investment due diligence within an integrated operational structure.

Jason Graybill is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes multiple roles at Wells Fargo, spanning from 2014 to 2025. 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 a non-discretionary client relationship model with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Gaurav Chavda is a CFP® professional at Charles Schwab with 21 years of industry experience. Prior to joining Schwab in 2025, he spent 13 years at J.P. Morgan Chase Bank and J.P. Morgan Securities. 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. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment program.

Barrett Smith is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Schwab, Smith worked at TD Ameritrade and held various roles in insurance and consulting. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through integrated wrap fee programs and managed accounts. The firm’s approach combines non-discretionary advice with access to affiliated discretionary portfolios and a formal process for alternative investments.

Jon Bryan is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Charles Schwab in Westlake, TX. He has worked at Charles Schwab since 2018 and previously spent 11 years with Fidelity Investments. Charles Schwab & Co., Inc. serves a large client base of primarily 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 managed accounts, supported by a multi-asset investment approach and centralized operational structure.

Alex Kaminski is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and four years of industry experience. He previously worked at TD Ameritrade and Charles Schwab Bank, SSB. 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 provides both non-discretionary and discretionary investment options, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Jaime Jaimes is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and four years of industry experience. Prior to joining J.P. Morgan Securities, Jaime worked at Charles Schwab, TD Ameritrade, and JPMorgan Chase Bank, N.A. He has also been involved in the food service industry with roles at Primos Tex Mex, Eatzi's, and Boi Na Braza. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Ryan Seward is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and bringing 17 years of industry experience. He previously worked at Fidelity Investments and Fidelity Brokerage Services LLC before joining Charles Schwab in 2025. 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 options supported by multi-asset model portfolios and a centralized operational structure.

Andrew Mathis is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at TD Ameritrade and Royal Alliance. 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 along with brokerage, custody, and financial planning services.

Ramsey Abu Shair is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade. Outside of his advisory role, he operates a personal YouTube channel focused on perfume content. 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 services with integrated custody and brokerage solutions.

Austin Riebe is a Financial Consultant at Fidelity Investments, where he collaborates with clients and their families to develop comprehensive financial plans that reflect their values, priorities, and long-term financial goals. He began his career at Fidelity in 2015 and has held multiple roles including Benefits & Planning Consultant, Workplace Planning Consultant III, Retirement Solutions Representative, and Workplace Planning and Guidance Consultant before assuming his current position in 2024. Throughout his tenure at Fidelity Investments, Austin has gained experience in various aspects of financial planning and benefits consultation. He holds insurance licenses in Arkansas and California. No additional information regarding his education or personal interests is provided.

Joseph Hague is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TD Ameritrade and the University of Oklahoma. He has been with Charles Schwab and Charles Schwab Bank since 2022 and 2024, respectively. 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 and discretionary investment options, delivering guidance through multi-asset model portfolios and research from its Schwab Center for Financial Research.

Connor Craddock is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and four years of industry experience. His prior positions include roles at TD Ameritrade and Enterprise Holdings. 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 a large client base with integrated advisory, brokerage, and custody services, offering both non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts.

Ryan Morgan is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and two years of industry experience. His work history includes positions at Charles Schwab Bank and Charles Schwab & Co., Inc., as well as experience outside the financial industry at Bang Energy and Walmart. He has served in the US Army Reserves since 2013. 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 a robust alternative investments platform.

Jason Jang is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 66 designations and has worked at multiple firms including Keller Williams Realty and Veryable prior to joining Schwab. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and centralized custodial and supervisory services.

Caleb Kiser is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab Co., Inc. since 2023, including a current role at Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wrap fee advisory programs, managed accounts, and financial planning services. The firm combines non-discretionary client relationships with access to affiliated discretionary separately managed accounts and features a multi-asset investment approach supported by centralized custody and operational infrastructure.

Robert Mcgraw is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining J.P. Morgan in 2019, he worked at GuideStone Financial Resources and Main Street Insurance Agency. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to recommend investment strategies.

Steven Campbell is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Cloverpop by Clearbox Decision, Accenture, Charles River Associates, and in education roles. 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 investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

David Kemper is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and with 20 years of industry experience. Prior to joining Cambridge in 2017, he spent 12 years at Fidelity Brokerage Services LLC. Outside of his advisory role, Kemper is an independent insurance agent and has worked as a sales representative for health and beauty products. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing various portfolio management strategies and platform arrangements tailored to client objectives.