Laura Lightbourn is a financial advisor with Charles Schwab in Westlake, Texas. She holds Series 63 and Series 66 licenses and has four years of industry experience. Prior to her current role, she was involved with SwimPro, LLC and Aquakids. 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 advisory services and access to discretionary separately managed accounts. The firm is notable for its integrated structure, scale, and use of multi-asset model portfolios alongside a formal alternative-investment program.

Erin Pennix is a CFP® with eight years of industry experience, currently advising at Charles Schwab since 2023. Prior to Schwab, she worked at TD Ameritrade for six years and has experience in insurance and academic 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. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and offers multi-asset model portfolios along with a formal alternative investments program.

Sterlin Arledge is a financial advisor at Charles Schwab with 13 years of industry experience. He holds the Series 66 designation and has previously worked at TD Ameritrade, Bank of America, and Merrill Lynch. 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 guidance using multi-asset model portfolios, backed by centralized supervision and a formal alternative-investment process.

David Surles Jr. is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 65 licenses and 11 years of industry experience. Before joining Schwab in 2020, he worked at USAA Investment Management Company and USAA Financial Advisors from 2014 to 2020. 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 advice and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and due diligence on alternative investments.

Joshua Braddy is a financial advisor with Charles Schwab holding a Series 66 designation and seven years of industry experience. His work history includes positions at Charles Schwab Bank SSB, Schwab Private Client Investment Advisory, J.P. Morgan Chase Bank, JP Morgan Securities LLC, Merrill, and Bank of America. He is based in Westlake, Texas. Charles Schwab & Co., Inc. serves a large client base 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 primarily non-discretionary client relationship model combined with access to discretionary separately managed accounts, employing multi-asset model portfolios and due diligence on alternative investments.

Stewart Flick is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade before joining Charles Schwab. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios, written advice policies, and a formal alternative-investment onboarding process.

Timothy Kohn is a financial advisor at Charles Schwab with 25 years of industry experience. He holds the CFP® and CFA® designations along with Series 66 and Series 63 licenses. His prior experience includes roles at Arcus Capital Partners, LLC, Thomaspartners, Inc., and Windhaven Investment Management, Inc. 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, using multi-asset model portfolios and centralized operational infrastructure.

Mark Elafros is a financial advisor at Charles Schwab with 15 years of industry experience. He holds a Series 66 designation and has worked previously at Brookstone Capital Management, American Trust Investment Services, and Ausdal Financial Partners. He is based in Westlake, TX. 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 combines non-discretionary advisory relationships with discretionary separately managed accounts and offers a multi-asset, model portfolio investment approach supported by in-house research and a formal alternative-investment program.

Chase Maderious is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2022 and Charles Schwab Bank, SSB since 2024. His prior experience also includes roles at TD Ameritrade and Paddock Lane, as well as time spent at Texas A&M University. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 and employs multi-asset model portfolios supported by research and a formal alternative-investment process.

Dominique Bess is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and three years of industry experience. Their work history includes roles at Charles Schwab Bank SSB since 2023, Charles Schwab since 2018, the University of Indianapolis, and Paychex. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and emphasizes a multi-asset model portfolio approach supported by extensive research and due diligence.

Bobby Needham III is a financial advisor at Charles Schwab with 14 years of industry experience. His previous roles include positions at Fidelity Investments and TD Ameritrade. He holds Series 63 and Series 66 designations. 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 multi-asset model portfolios and a formal alternative investment due diligence process.

Gerard Dillon is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at NYLIFE Securities LLC and New York Life Insurance Co. from 2007 to 2020. Dillon serves as a board member of the West Dallas Chamber of Commerce, where he supports mission-driven initiatives and manages the annual Art Walk West event. 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 guidance, multi-asset model portfolios, and a centralized operational structure supporting a large client base across multiple wrap programs.

Timothy Bielik is a financial advisor with Charles Schwab holding CFP® and CFA® designations and over 14 years of industry experience. His career includes roles at td ameritrade from 2011 to 2022 and at Charles Schwab since 2022, including Schwab Wealth Advisory Inc. from 2025 to 2026. He is 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 managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers integrated brokerage, custody, and cash-sweep services.

Hector Lugo is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at Morgan Stanley and its affiliated entities prior to joining Schwab. Lugo is based in Westlake, Texas. 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 offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Mohammad Barati is a financial advisor at Charles Schwab with two years of industry experience. He holds the Series 66 and Series 63 designations. Prior to his current role, he worked at Penmark Transportation Inc., Uber Technology Inc., and Kentucky Fried Chicken. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

David Morris is a financial advisor with Charles Schwab in Westlake, TX, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. He worked at TD Ameritrade for seven years before joining Charles Schwab, where he has been since 2023. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary advice and access to discretionary separately managed accounts. The firm combines a large-scale client base with integrated advisory, brokerage, custody, and cash-sweep services.

Stephen Pullin is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and five years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and TD Ameritrade. Additionally, he has been involved with Jack Boles Services since 2014. 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 both non-discretionary and discretionary investment options, combining centralized custody and order-routing with a multi-asset model portfolio approach.

Jonathan Hurley is a CFP® professional with 15 years of experience in the financial services industry. He has worked at Cambridge Investment Research Advisors since 2019 and previously spent eight years with Fidelity Investments. Outside of his advisory role, Hurley serves as a board member at Riverstone Church in Mansfield, TX. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, trusts, and estates. The firm offers financial planning, investment management, and retirement-plan advisory through a network of independent professionals using a variety of portfolio management approaches and platforms.

Nicolette Navarro is a financial advisor at Charles Schwab with 12 years of industry experience. She holds the Series 66 designation and has worked previously at Goldman Sachs, Ally Invest Securities LLC, and TD Ameritrade. Navarro 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 and discretionary investment guidance using multi-asset model portfolios and maintains a large integrated operational structure.

Fei Dai is a CFP® with nine years of industry experience, currently serving as a financial advisor at Charles Schwab since 2022. Prior to Schwab, Fei worked at TD Ameritrade, Transamerica Financial Advisors, and World Financial Group. 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, offering a combination of non-discretionary and discretionary investment options supported by centralized custody and operational infrastructure.