Keith Richardson is Vice President, Wealth Planner at Fidelity Investments. In this role, he advises high-net-worth families on structuring, growing, and preserving their multi-generational wealth. He has been with Fidelity Investments since 2000, progressing through roles including Customer Service Representative, Financial Representative, Financial Consultant, and Vice President, Financial Consultant before assuming his current position in 2022. Throughout his career at Fidelity Investments, Keith has developed expertise in wealth planning and financial consulting. His extensive experience encompasses advising clients on strategies for managing complex financial needs and long-term wealth preservation. Outside of his professional responsibilities, Keith has personal interests in fitness, music, and skiing.

Matthew Knezel is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 66 and Series 63 credentials and having 11 years of industry experience. He has been with Charles Schwab since 2016. Outside of his advisory role, he works as an independent contractor providing ride-sharing services through Uber and assists with IT services for a real estate professional’s business. 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 access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocation and periodic reviews.

Brandon Yonke is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding the CFA® designation and Series 63 and 66 licenses. He has 10 years of industry experience and has been with Charles Schwab and Charles Schwab Bank since 2016. Outside of his financial advisory work, he owns and operates Infinite, LLC, where he coaches trail and ultramarathon athletes and manages an online platform for running training resources. 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 both non-discretionary investment recommendations and access to discretionary separately managed accounts. Schwab’s integrated platform combines advisory, brokerage, and custody services with a multi-asset investment approach and a formal alternative investment process.

Glenn Kennedy is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He has been with Charles Schwab since 1999. 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 both non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a formal alternative-investment program.

Andrew Bergner is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 66 and Series 63 licenses and with three years of industry experience. His background includes roles at Charles Schwab Bank, Wilhelmina Denver, Transamerica-WFG, and the Denver Police Department. 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 advisory relationships and access to affiliated discretionary separately managed accounts, supported by a multi-asset investment approach and a centralized operational structure.

Christine Doiron is a financial advisor with Charles Schwab & Co., Inc. She holds Series 66, 63, and 65 licenses and has 14 years of industry experience. Prior to joining Schwab, she worked at USAA Life Insurance Company and USAA Financial Planning Services, among other 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 a non-discretionary client relationship model with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Suzanne Gallegos is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 17 years of industry experience. She has been with Charles Schwab and its affiliated entities since 2007. 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, supported by multi-asset model portfolios and a formal process for alternative investments.

Ryan Mead is a financial advisor at Charles Schwab with 15 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab since 2020. Prior to that, he was employed at USAA in various roles related to investment management and financial planning from 2010 to 2020. 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 offers a combination of non-discretionary and discretionary investment management using multi-asset model portfolios and a centralized operational platform.

Clifford Hickerson is a financial advisor at Wells Fargo Advisors with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various roles within Wells Fargo since 2010. Clifford is the owner of Cicero Capital Management, LLC, an investment-related business based in Highlands Ranch, Colorado. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of specialized planning services and integrates advisory services with other financial products and referral channels.

James Neal is a financial advisor at Charles Schwab in Lone Tree, Colorado, holding a Series 66 designation with 20 years of industry experience. He has been with Charles Schwab since 2006. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by the Schwab Center for Financial Research.

Corey Umeda is a financial advisor with Charles Schwab, holding a Series 66 designation and 21 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2008 and worked at Scott & Stringfellow, LLC from 2005 to 2008. 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 centralized operational structure.

Ann Koerner is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2017, including time with Schwab Private Client Invest Advisory. Outside of advising, she is the owner of a property management business. 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 access to affiliated discretionary SMAs and offers multi-asset model portfolios, alternative investment due diligence, and integrated brokerage and custody services.

Alexander Greanias is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at firms including USAA Investment Services Company, J.P. Morgan Securities, Fidelity Investments, and T. Rowe Price. Outside of finance, he was involved with Born Again Used Books in 2019. Charles Schwab serves primarily 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. The firm is notable for its large scale, integrated structure, and a distinctive client relationship model that combines strategic asset allocation with alternative investment due diligence.

Jeffrey Milner is a CFP®-certified financial advisor with 19 years of industry experience, currently with Charles Schwab in Lone Tree, CO. He previously worked at TD Ameritrade Inc. and has been with Charles Schwab since 2007. 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 supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Annie Kim is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. She has worked at Charles Schwab & Co., Inc. since 2019 and Charles Schwab Bank, SSB since 2021. Her prior experience includes roles at Fast Fix and Chase Bank. 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 related financial planning services. The firm provides both non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized operational structures.

Joseph Beck is a financial advisor with Charles Schwab & Co., Inc. in Lone Tree, Colorado, holding Series 66 and Series 63 licenses with two years of industry experience. Prior to joining Schwab, he worked six years with Crumbl Cookies and seven years in full-time education. 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 mix of non-discretionary advice and discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Philip Devargas is a financial advisor with LPL Financial who holds Series 63 and Series 66 licenses and has 21 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Park Avenue Securities and Guardian Life Insurance Company from 2011 to 2018. He is involved with Devargas Wealth Strategies, LLC, which offers fixed life, long-term care, and disability insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gilad Shwartz is a financial advisor with Edward Jones in Larkspur, Colorado, holding the ChFC® and Series 66 designations, and has 10 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he volunteers with the Larkspur Fire Protection District. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Karl Brockmeier is a financial advisor with Charles Schwab & Co., Inc. in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Cru International and Bank of Colorado, as well as work related to the University of Northern Colorado. 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 client relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by an in-house research team and a formal alternative investments program.

Grant Mc Ginty is a CFP® professional with six years of experience in financial advising. He is currently affiliated with Charles Schwab, where he has worked since 2019 in various roles across Schwab’s brokerage and banking divisions. Prior to joining Schwab, he held advisory positions at firms including Purshe Kaplan Sterling Investments and Concurrent Investment Advisors. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary advice and access to discretionary separately managed accounts. The firm combines integrated brokerage, custody, and advisory services with a focus on multi-asset portfolios and alternative investments.