Robert Malzberg is a Series 66-licensed financial advisor at Schwab Wealth Advisory with four years of industry experience. His prior roles include positions at JPMorgan Chase Bank, The Vanguard Group, and Bank of America Merrill Lynch. Outside of finance, he has worked in diverse sectors including DoorDash and the New York Yankees. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations according to client goals and risk tolerance.

James Dawes is a financial advisor at TIAA-CREF with 27 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Frost Investment Services, Frost Bank, and Capital One. He has been with TIAA-CREF since 2019. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers both one-time planning services and ongoing portfolio management using a fiduciary model, managing customized and model-based portfolios.

Aniyah Gibbs is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and having one year of industry experience. She has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory since 2025. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on asset-allocation models and internal research tools.

Mark Mundy is a financial advisor at Ameritas Advisory Services, LLC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Equitable Advisors and Ameritas Investment Corp. Outside of advising, he volunteers as a country music DJ on a Dallas radio station and serves on the board of a school for special needs children. Ameritas Advisory Services provides investment advisory and planning services to a diverse clientele, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of investment programs and employs a combination of model portfolios, mutual funds, ETFs, and individual securities to build customized client portfolios.

Kevin Richardson is a CFP® with 20 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory and has held prior roles at Charles Schwab & Co., Inc. and TD Ameritrade, Inc. He is based in Westlake, TX. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the SWA program, utilizing Charles Schwab’s asset-allocation models and research tools to tailor recommendations according to individual goals and risk tolerance.

Henry Harris is a financial advisor with Money Concepts Capital Corp in Plano, TX, holding Series 63 and Series 66 licenses and over 20 years of industry experience. He has worked with Avantax Advisory Services and operates AltLand and Harris Financial Group, Inc., where he serves as CPA and CEO. Additionally, he is an instructor at Collin College, teaching certified bookkeeping courses. Money Concepts Capital Corp is an enterprise firm with approximately 431 advisors managing about $3.33 billion for nearly 14,700 clients. The firm offers portfolio management, financial planning, and consulting services to individuals, pension plans, trusts, charitable organizations, and corporations, utilizing a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers.

John Schnorr is a financial advisor with Brookstone Capital Management LLC in Plano, TX, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has been with Brookstone since 2016 and has been self-employed since 2007. Outside of his advisory role, Schnorr is an insurance agent involved in fixed, index, life, and long-term care insurance sales, and he owns a firm that provides 401(k) rollover consulting services. Brookstone Capital Management is an SEC-registered adviser serving a diverse client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking institutions. The firm offers fee-based asset management and financial planning primarily through discretionary model portfolios, unified managed accounts, and separately managed accounts, supported by a large advisor network and integrated insurance and banking referral channels.

Nate Ramirez is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 12 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016 and previously at Equitable Advisors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s approach relies on Charles Schwab’s asset-allocation models and research tools, with recommendations tailored to individual client goals and risk tolerance.

Michael Lewis is a financial advisor with TIAA-CREF in Frisco, TX, holding Series 63 and Series 66 credentials and five years of industry experience. His prior roles include positions at Bank of America, Merrill, and Charles Schwab, along with entrepreneurial activities such as Delight Dispensing LLC and D&M Collaboration LLC. He has also been involved with companies like Uber and Lyft in various capacities. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing discretionary management, utilizing model and customized portfolios within a vertically integrated advisory structure.

Thanh Vo is an advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing four years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Thanh worked at Charles Schwab and TD Ameritrade, as well as in roles outside the financial sector at CarMax and World Market. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients in the Schwab Wealth Advisory program and select Charles Schwab-referred clients. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, with services tailored to each client’s goals and risk tolerance, and trades executed only with client authorization.

Matthew Mc Coll is a Series 65 licensed advisor at Schwab Wealth Advisory with four years of industry experience. He has worked at Schwab Wealth Advisory since 2025 and was previously employed by Charles Schwab, Mass Mutual, and Turnbridge. Prior to his financial career, he practiced law as an attorney with a JD and LLM. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Charles Schwab & Co.’s asset allocation models and internal research tools to guide investment decisions, with a focus on client authorization for trades and annual portfolio reviews.

Hongli Chen is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory, Inc. He has previously worked at Charles Schwab & Co., Inc., TD Ameritrade, Inc., Areotek, and Advantage Solution. Outside of his advisory role, he is involved in managing a rental property where he assists tenants with their needs. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain referrals from Charles Schwab & Co. The firm’s guidance is based on standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance, while trades require client authorization.

Mary Aguirre is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and four years of industry experience. Her background includes roles at Charles Schwab, TD Ameritrade, Lockton Dunning Benefits, and Conduent Business Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools, delivering tailored recommendations without exercising discretionary trading authority.

Natali Espinosa is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials. She has been with Charles Schwab and its affiliated firms since 2025. Prior to her advisory role, her background includes time in education and work at Ozumo Santana Row LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, with client-specific recommendations reviewed at least annually.

Adam Cajandig is a financial advisor at Savant Wealth Management with a Series 65 designation and one year of industry experience. His prior work includes roles at Exencial Wealth Advisors, LLC, Bank of America, and 7th Harvest Investments. Savant Wealth Management serves individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients with comprehensive wealth management and related services. The firm employs a blended investment approach combining evidence-based asset allocation with actively managed strategies, supported by affiliated accounting, legal, and trust services.

William Gibson is a financial advisor at TIAA-CREF with 16 years of industry experience. He holds a Series 66 designation and has worked at TIAA and TIAA-CREF since 2011. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected with TIAA‑administered employer retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing managed account services, and it acts as adviser to a donor-advised fund while operating within a vertically integrated group.

Ian Troutman is a financial advisor with TIAA-CREF in Frisco, TX, holding a Series 66 designation and six years of industry experience. His prior experience includes roles at Fisher Investments, VisionPoint Advisory Group, LPL Financial LLC, CX Institutional, and Secrest Blakey & Associates. TIAA-CREF Individual & Institutional Services provides financial planning, discretionary managed accounts, and broker-dealer services primarily to individuals connected with TIAA-managed employer retirement plans, as well as trusts, estates, and small retirement plans. The firm distinguishes between point-in-time planning and ongoing discretionary management and serves as adviser to a donor-advised fund through Charityvest.

Farah Khalfan is a financial advisor at TIAA-CREF with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at TIAA-CREF since 2020. Prior to that, she was employed at JP Morgan Securities LLC and JP Morgan Chase Bank. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers a range of advisory services including model and customized portfolios and acts as adviser to a donor-advised fund.

Andrew Scott is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has nine years of industry experience. His prior roles include positions at Fidelity Investments and Amazon, as well as an extended period at the University of North Texas. Scott has been with Charles Schwab & Co. and Schwab Private Client Investment Advisory since 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses proprietary asset-allocation models and research tools to tailor guidance on a range of investment options, with client authorization required for all trades.

Kevonte Clay is a financial advisor with TIAA-CREF in Frisco, TX, holding a Series 66 designation and three years of industry experience. Prior to joining TIAA-CREF, he worked at Bank of America, Merrill, Texans Credit Union, and Woodforest National Bank. TIAA-CREF Individual & Institutional Services, LLC offers financial planning, managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered retirement plans, as well as trusts, estates, and various entities. The firm provides both one-time planning services and ongoing discretionary management through model or customized portfolios and acts as adviser to a donor-advised fund.