Andre Casares is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 66 and Series 63 designations and has worked at Charles Schwab since 2017. His prior experience includes roles at Rio Mambo and Global Exchange Vacation Club. 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 Schwab's research and alternative investments platform.

Steven Erfman is a CFP® certificant with 13 years of experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan since 2012. Outside of his advisory role, he assists with consumer-directed attendant support services on a voluntary basis. J.P. Morgan Securities 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.

Adam Gray is a financial advisor with Charles Schwab based in Lone Tree, Colorado. He holds Series 66 and Series 63 designations and has four years of industry experience. His work history includes roles at Charles Schwab since 2021, as well as positions with Goodwill Denver, Colorado State University, and Wal-Mart (Sam's Club). 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, employing multi-asset model portfolios, written advice policies, and centralized custody and order-routing arrangements.

Bryan Watson is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab since 2018, following prior roles at TD Ameritrade and Scottrade. He is also affiliated with the University of Colorado, Denver, where he has been involved since 2011. 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 blend of non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and an integrated operational structure.

Peter Dennee is a financial advisor at Charles Schwab & Co., Inc. with Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Charles Schwab in 2022, he worked at Hertz, Inc. for six years. 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 both non-discretionary and discretionary investment options, combining multi-asset model portfolios with access to alternative investments and integrated brokerage, custody, and advisory services.

George Hyatt is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked at Charles Schwab since 1997, including 11 years specifically with Charles Schwab 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 affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions supported by a multi-asset model portfolio approach and a centralized operational structure.

John Detterick is a financial advisor with Charles Schwab in Lone Tree, Colorado. He holds Series 63 and Series 66 designations and has 28 years of industry experience, including 29 years with Charles Schwab. 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 both non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and a centralized operational structure.

Sean Peck is a Series 66-licensed financial advisor with Charles Schwab & Co., Inc., where he has worked since 2008. He has 19 years of industry experience. Outside of advising, he owns a rental property in Denver. 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 centralized custody and operational infrastructure.

Matthew Vaage is a financial advisor at LPL Financial with eight years of industry experience. He holds a Series 66 designation and previously worked at Raymond James & Associates for five years. Outside of advising, he has worked in the fitness industry, including roles at 24 Hour Fitness. 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 advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Alexandria Hernandez is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab, she worked at Graebel Relocation Services for six years and Transwestern Commercial Real Estate Services for three years. Alexandria is based in Lone Tree, Colorado. 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 blend of non-discretionary advice and access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Eric Decuyper is a financial advisor with Charles Schwab holding Series 63 and Series 66 credentials and two years of industry experience. His prior work includes roles at Rocket Mortgage and Mr. Cooper. He also spent 18 years in full-time education before entering the financial sector. 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 centralized custody and brokerage services.

Benjamin Roberts is a financial advisor at Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 registrations with one year of industry experience. His prior roles include positions at Lockton Midwest Series and a bagel and deli shop, along with work at Biltmore Country Club. 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 bundled advisory, brokerage, custody, and cash-sweep services.

Chad Bell is a financial advisor with Charles Schwab & Co., Inc., holding Series 63 and Series 66 credentials and one year of industry experience. His prior experience includes roles at Integrity Express Logistics, DJs Sport Shoppe, and the New York Yankees, as well as four years in full-time education. 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, offering a combination of advisory, brokerage, custody, and cash-sweep services. The firm employs a client relationship model that includes primarily non-discretionary advisory services alongside access to affiliated discretionary separately managed accounts and a formal process for alternative investments.

Nicholas Diller is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked with Charles Schwab since 2014 and with Charles Schwab Bank since 2016. 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, using multi-asset model portfolios and a formal alternative-investment process.

Camden Smithburg is a financial advisor at Charles Schwab with Series 66 credentials. He has been with Charles Schwab since 2025 and has prior experience working in healthcare services through Hoffman Drug. Outside of finance, he has held roles at Jaden Smithburg Farms LLC, Power 2 Play Sports, Pelican Lakes Resort & Golf, and Metropolitan State University of Denver. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, and custody services with both non-discretionary and discretionary investment options.

Ryan Williams is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding the Series 63 and Series 66 credentials and having 10 years of industry experience. He has been with Charles Schwab since 2013. 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 relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment process.

Victoria Rogala is a financial advisor at Charles Schwab with eight years of industry experience. She holds the Series 66 designation and has worked at various Schwab entities and TD Ameritrade between 2017 and the present. Rogala is based in 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Justin White is a CFP® with 15 years of industry experience and is currently affiliated with Charles Schwab in Lone Tree, CO. His career includes roles at Charles Schwab and its bank from 2011 to 2020, followed by positions at Fidelity Investments and American Financing Corporation before returning to 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. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separate managed accounts, supported by multi-asset model portfolios and alternative investment options.

Jeffrey Ryan is a CFP®-credentialed financial advisor with 18 years of industry experience. He currently works at Charles Schwab in Lone Tree, CO, where he has been since 2020. Prior to Schwab, he held positions at USAA Investment Management Company and USAA Financial Planning 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 offers a mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and alternative investment options, supported by a large integrated operational platform.

Brendan Byrne is a financial advisor at Charles Schwab with eight years of industry experience. His previous roles include positions at Robinhood Markets, Inc., Robinhood Financial, and Teachers Insurance and Annuity. He holds Series 66 and Series 63 designations. 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 offers a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.