Zachary Karamaroudis is a financial advisor with Charles Schwab & Co., Inc. and holds Series 63 and Series 66 licenses. He has one year of industry experience and has also worked in accounting and education prior to joining 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and alternative investment due diligence.

Thomas Mathiesen is a financial advisor with LPL Financial in Parker, CO, holding Series 63 and Series 65 credentials and totaling 34 years of industry experience. His career includes roles at MSI Financial Services, Valic Financial Advisors, and Charles Schwab. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and access to various portfolio management strategies, supported by a large network of investment adviser representatives.

Andrew Gaber is a CFP® professional with 16 years of experience in financial advisory. He has worked at LPL Financial since 2018 and previously held positions at Ameriprise Financial Services and Thrivent Investment Management. Outside of his advisory work, Gaber is involved with Gotham Capital Management, a non-investment related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive technology tools and oversight of more than $819 billion in discretionary assets.

Joshua Wood is a financial advisor with Charles Schwab in Lone Tree, CO, holding the Series 63 and Series 66 credentials and 14 years of industry experience. His career includes roles at Ameriprise, Cetera Financial Specialists, TD Ameritrade, and Scottrade 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 affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment onboarding process.

Khoi Duong is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Merrill and Bank of America. Outside of his advisory role, Khoi performs food delivery services as a DoorDash independent contractor. 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 affiliated discretionary separately managed accounts. The firm’s integrated structure supports large-scale client service with centralized custody, brokerage, and alternative investment options.

Austin Campbell is Vice President and Financial Consultant at Fidelity Investments, where he has been employed since 2012. In his current role since 2018, he works closely with clients to develop financial plans that align with their comfort, confidence, and commitment levels. Austin's experience at Fidelity includes roles as Financial Consultant, Investment Consultant, Central Relationship Manager, and Financial Representative. This progression reflects his sustained involvement in financial consulting and client relationship management. Outside of his professional responsibilities, Austin's personal interests include family activities, golf, pets, skiing, and traveling.

Ryan Henderson is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and 24 years of industry experience. He has worked with Charles Schwab since 2006 and with Charles Schwab Bank, SSB since 2018. Based in Lone Tree, Colorado, Henderson is part of a large team of advisors at Schwab. Charles Schwab & Co., Inc. serves a wide 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Daniela Lee is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 66 credentials and has worked in various roles within Charles Schwab and its affiliated entities since 2017. Outside of her advisory work, she owns Lee's Rhineland Bakery, where she bakes and sells breads and pastries at weekend farmers markets. 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 and discretionary investment services supported by an integrated operational structure and centralized custody.

Ryan Bernard is a Series 66 licensed advisor with Charles Schwab in Lone Tree, Colorado, bringing 10 years of industry experience. He has been with Charles Schwab since 2015 and with Charles Schwab Bank since 2017. 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’s investment approach combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, multi-asset model portfolios, and a formal alternative-investment selection process.

Matthew Brady is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2017 and was previously with National Planning Holdings from 2015 to 2017. 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 options supported by multi-asset model portfolios and a centralized operational structure.

James Sutphin is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2000. 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 advice and access to discretionary separately managed accounts, supported by centralized custody and a multi-asset investment approach.

Keith Bartels is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and three years of industry experience. His prior work includes roles at Remax Town & Country and Genesco Sports Enterprises, as well as periods dedicated to 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, offering a combination of non-discretionary and discretionary investment management supported by centralized custody and operational infrastructure.

Emily Pearson is a CFP®-certified financial advisor with 15 years of industry experience, currently affiliated with Charles Schwab in Lone Tree, CO. Her prior roles include positions at USAA Investment Management Company, USAA financial planning services, and USAA Life Insurance Company. 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 and offers multi-asset model portfolios supported by extensive research and due diligence.

Alan Duff is a financial advisor at Charles Schwab with 10 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab since 2014, including a role at Charles Schwab Bank in 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from Schwab Center for Financial Research.

Tracy Antony is a CFP® professional with 16 years of experience in the financial industry, currently affiliated with Charles Schwab & Co., Inc. since 2013. She holds Series 63 and Series 65 licenses and operates out of Lone Tree, 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 offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by centralized custody and research resources.

Jolie Mckinnon is a financial advisor at Fidelity with 19 years of industry experience. She has held roles at Fidelity Brokerage Services LLC since 2020 and previously worked at Oppenheimer Funds from 2012 to 2019. Outside of her advisory work, she is a partner in a real estate development business, Overlooked Properties. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Paul Donahue is a financial advisor at Edward Jones in Castle Rock, CO, holding Series 63 and 66 licenses with 22 years of industry experience. He has been with Edward Jones since 2003. Outside of his advisory role, he is a shareholder in Donahue Farms, Inc., a family farm in Inland, NE. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices across the country.

Brian Howell is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and over 30 years of industry experience. He has been with Charles Schwab since 1995. 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, offering multi-asset model portfolios and a structured alternative investment process.

John Allen is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Charles Schwab since 1997, including a role at Charles Schwab Bank, SSB, and previously worked at optionsXpress for five years. Outside of his advisory work, he is a principal of Allen Resources LLC, a company involved in managing temporary rental properties. 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 with access to discretionary separately managed accounts, supported by multi-asset model portfolios, written advice policies, and a due diligence process for alternative investments.

Brenda Rafferty is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds a Series 63 designation and has 31 years of industry experience. Prior to joining Raymond James in 2026, she worked at Kovack Securities, Inc., Kovack Advisors, Inc., Commonwealth Financial Network, and LPL Financial, LLC. Outside of her advisory role, she is president of Rafferty Financial Consulting & Implementation LLC and is an IRS Enrolled Agent providing tax preparation and consulting through Tax Solution US EA LLC. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and institutional clients. The firm provides tailored, non-discretionary planning using risk profiling and analytical tools, and is notable for its municipal advisory affiliation and specialized SIMPLE IRA Employer Advisory & Consulting Services program.