Kevin Frank is a financial advisor at Charles Schwab with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2022, following a six-year tenure at TD Ameritrade. 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 and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody, supervisory, and order-routing infrastructure.

Remy Bolea is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2011 and also works at Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm’s approach combines non-discretionary advisory services with access to discretionary separately managed accounts and emphasizes multi-asset model portfolios and alternative investment options.

Chrystine Mills is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 19 years of industry experience. Her prior roles include positions at Charles Schwab and operating her own consulting firm. She serves as a FINRA arbitrator and volunteers as secretary for the Southeast Beekeeping Club. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Jessica Starkloff is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Charles Schwab since 2021. Prior to this, she worked for eight years at The Vanguard Group, 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 and offers a multi-asset investment approach supported by centralized supervision and custody.

Brian Crume is a financial advisor with Charles Schwab, holding the CFP® designation and Series 63 and 66 licenses. He has 24 years of industry experience and has worked in various roles across Charles Schwab entities 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 and discretionary investment solutions, leveraging multi-asset model portfolios and centralized operational oversight.

Jonathan Scully is a financial advisor at Charles Schwab with 14 years of industry experience and holds a Series 66 designation. He has been with Charles Schwab since 2008 and has held various roles within the organization’s banking and trust divisions. 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 primarily non-discretionary investment guidance with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Thomas Wood is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 66 and Series 63 designations and four years of industry experience. Prior to joining Charles Schwab, he worked at Fidelity Investments and has been involved with Run On Solar since 2023. 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 multi-asset model portfolios supported by in-house research and alternative investment options.

John Schoffman is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked at various firms including ALPS Advisors and Charles Schwab Bank. Prior to entering the financial industry, he held positions in the food service sector and spent three 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 integrates non-discretionary client relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios backed by in-house research and due diligence.

Wendy Gillespie is a CFP® with 31 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of her advisory role, she is the owner of MoneyBags, LLC, through which she published the book *MoneyBags: A Guide to Teaching Your Kids About Money* in 2014. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement who meet specific asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations through a centralized consulting team.

Timothy Witkin is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 66 and Series 63 licenses and having 10 years of industry experience. He has been with Charles Schwab and its affiliated entities 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized custody and order-routing arrangements.

Douglas Thomas is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and totaling two years of industry experience. His prior roles include positions at Bank of the West and Wells Fargo. 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 management supported by centralized custody and operational infrastructure.

William Blackwell is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Great West Financial, Amazon.com, Inc., and LDC Distribution LLC. 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 discretionary separately managed accounts and offers a multi-asset investment approach supported by in-house research and alternative investment options.

Tonya Rasmussen is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 24 years of industry experience. She has been with Raymond James & Associates since 2015. Outside of her advisory role, she is a partner and owner of Lake Cabin Life LLC, a business formed to manage vacation property ownership. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services, drawing on a range of portfolio management styles and affiliated research.

Jordan Blaylock is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and having six years of industry experience. He has worked at Charles Schwab Bank, SSB since 2021 and at Charles Schwab & Co., Inc. 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 combination of non-discretionary and discretionary investment management with multi-asset model portfolios and a centralized operational structure.

Georgeen Cepeda is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. Her background includes roles at Charles Schwab Bank, American Airlines Credit Union, LPL Financial, Citigroup, Merrill Lynch, JPMorgan Chase, and Deckers Outdoor Corporation. She also worked at the University of Las Vegas, Nevada, for six years. 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 management options, delivering multi-asset model portfolios and alternative investment opportunities within an integrated operational structure.

Chuks Nweke Jr. is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 12 years of industry experience. His prior work includes roles at Wells Fargo Clearing and a brief tenure at Uber. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with multiple market-facing registrations and offers advisory services alongside affiliated brokerage and investment management capabilities.

Joanne Allen is a financial advisor at Charles Schwab with 36 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has been with Charles Schwab since 2007, including a role at 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, offering both non-discretionary and discretionary investment options supported by multi-asset model portfolios and alternative investment due diligence. The firm is notable for its large scale, integrated structure, and a combination of advisory, brokerage, and custody services.

Tamaran Appelbaum is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and 11 years of industry experience. She previously worked at The Vanguard Group, Inc. for six years before joining Charles Schwab & Co., Inc. in 2021 and Charles Schwab Bank in 2026. 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 guidance using multi-asset model portfolios and maintains a distinctive operational structure combining advisory, brokerage, custody, and cash-sweep services.

Anthony Hincy is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 12 years of industry experience. His work history includes roles at multiple Charles Schwab entities since 2020 and prior positions at USAA financial planning and investment management from 2016 to 2020. Outside of his advisory work, he is a personal instructor at a sports training facility, where he teaches baseball lessons. 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 services. The firm offers both non-discretionary and discretionary investment solutions, combining strategic asset allocation, written advice policies, and due diligence on alternative investments within an integrated operational structure.

Jeffrey Pasternak is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Ameriprise Financial Services and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by a broad network of more than 22,800 advisors.