Frank Miller is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 designations. His career includes multiple roles within Charles Schwab and Charles Schwab Bank, SSB, as well as positions at the University of Kansas and two small businesses. 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 and alternative investment options.

Jakob Jenkins is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Charles Schwab, he held positions at Fidelity Investments and has worked in various roles including at the University of Colorado Boulder and Refr Sports. Charles Schwab serves a very 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a comprehensive, integrated structure for wealth management.

Adam Selby is a financial advisor at Charles Schwab with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2019 and previously spent 10 years at TIAA. 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 related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset, model portfolio-driven investment approach supported by centralized custody and operational infrastructure.

Raymond Reilly III is a financial advisor with Raymond James & Associates holding a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he held roles at Samaritan's Purse and National Technology & Engineering Solutions of Sandia, among others. He is also a licensed real estate broker in Colorado, although he currently devotes no time to this activity and uses the license primarily for personal real estate transactions. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Collin Tomic is a financial advisor at Fidelity with Series 66 and Series 63 credentials and four years of industry experience. His prior work includes roles at BeyondHome and Chick-fil-A Belmar. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, formal advisory roles to registered investment companies, and integration of AI in research.

Christopher Chinn is a CFP®-certified financial advisor with 11 years of industry experience. He currently works at Charles Schwab and previously held roles at TIAA-CREF and Nuveen Asset Management. 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’s investment approach includes multi-asset model portfolios with strategic asset allocation, while combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts.

Joshua Kistler is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has worked at Fidelity Brokerage Services, LLC since 2019, following prior roles at Mass Mutual Investors Services and The Colorado Statesman. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a broad client base, including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Darrell Bishop II is a financial advisor at Merrill with 22 years of industry experience. He holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2003. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Babb is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 66 and Series 63 credentials. He has three years of industry experience and previously worked at Charles Schwab & Co. since 2022, with a background that includes full-time education and assessment and testing services. 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 discretionary separately managed accounts and offers a centralized operational structure supporting a large client base.

Anthony Masterson is a financial advisor at Charles Schwab with 22 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Mercer Global Advisors, Morgan Stanley, E*TRADE Capital Management, JP Morgan Chase, Edelman Financial Engines, and TD Ameritrade. 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 both non-discretionary and discretionary investment management using multi-asset model portfolios and provides integrated brokerage, custody, and advisory services.

Allegra Sasser is a financial advisor with Charles Schwab and Co., Inc., holding a Series 66 designation and five years of industry experience. Her work history includes multiple roles at Charles Schwab as well as positions connected to the University of California Santa Barbara and Robasciotti & Philipson. Charles Schwab serves a large client base, 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, using multi-asset model portfolios and a centralized operational structure.

Charles Klausmeier is a financial advisor with Charles Schwab, holding a Series 66 designation and 14 years of industry experience. His prior roles include various positions at USAA companies from 2016 to 2025 before joining Charles Schwab and its affiliated entities in 2025. 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 related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Nam Choi is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and with 24 years of industry experience. He has been affiliated with Charles Schwab since 1996 and Charles Schwab Bank since 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by research and due diligence on alternative investments.

Derrick Stevens is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2015. 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 and discretionary investment options, combining strategic multi-asset model portfolios with centralized custody and operational support.

Brandon Tate is a Series 66 licensed advisor with Charles Schwab, based in Lone Tree, Colorado, and has one year of industry experience. Prior to joining Schwab, he spent eight years at The Travelers Companies, Inc. Outside of his advisory role, he owns and manages a real estate rental business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, combining advisory, brokerage, custody, and cash-sweep services in an integrated structure that offers both non-discretionary and discretionary investment management options.

Mark Dunn is a financial advisor with LPL Financial in Castle Rock, CO, holding a Series 66 credential and 20 years of industry experience. His prior roles include positions at Capital Analysts, Lincoln Investment, Valic Financial Advisors, Agia, and Ameriprise. He is an owner and managing partner of Apollo Strategic Advisors, LLC, a financial services firm, and also works as an insurance agent specializing in life, fixed annuities, and health insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools and extensive non-advisory financial activities.

Joseph Cearley is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab & Co., Inc. since 2014, including a one-year tenure at Charles Schwab Investment Advisory, Inc. from 2020 to 2021. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and emphasizes multi-asset model portfolios with strategic asset allocation and due diligence on alternative investments.

Nathan Lockrem is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Charles Schwab since 1999. Charles Schwab & Co., Inc. 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 wrap fee program. The firm’s approach combines non-discretionary client guidance with access to discretionary separately managed accounts and incorporates multi-asset model portfolios and alternative investments.

Jay Wilson is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He previously worked for Investors Business Daily from 2014 to 2017 before joining Charles Schwab in 2017. 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 financial planning and discretionary separately managed accounts. The firm is notable for its integrated service model, large client base, and multi-asset investment guidance supported by centralized operational infrastructure.

Darren Woon is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 credentials and five years of industry experience. His prior roles include positions at Trinity Wealth Securities, Florida Financial Advisors, and J.P. Morgan affiliates. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a quantitative asset-allocation process combined with centralized due diligence. The firm applies an ESG eligibility framework and offers a range of approved funds and strategies on a non-discretionary basis.