Joshua Torres is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Charles Schwab since 2017. Prior to Schwab, he worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC. He holds Series 63 and Series 66 licenses and is based in Westlake, TX. Charles Schwab & Co., Inc. serves 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by its Center for Financial Research.

Bonny Collins is a financial advisor at Charles Schwab with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2021. Prior to joining Schwab, she held roles at International Assets Advisory, LLC, Megatel Capital Investment, and Advisors Asset Management, 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 offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and providing centralized custody and operational support.

Jackson Fields is a financial advisor with Charles Schwab & Co., Inc. in Westlake, TX, holding Series 63 and Series 66 credentials and having two years of industry experience. Prior to joining Schwab, he worked in various roles including at BJ’s Brewhouse and Uber Eats. 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 blend of non-discretionary and discretionary investment management supported by centralized custody and operational infrastructure.

Fabio Esteves Joaquim is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 66 and Series 63 designations. His prior experience includes roles at TD Ameritrade Investment Management, LLC and Td Ameritrade, Inc. Charles Schwab 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, using multi-asset model portfolios and a centralized operational structure.

Nathaniel Mc Laughlin is a financial advisor with Charles Schwab, holding Series 66 and Series 63 credentials and four years of industry experience. His prior work includes roles at TD Ameritrade and AT&T. 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, alternative investment due diligence, and integrated custody and brokerage services.

Kristina Love is a financial advisor with Charles Schwab in Westlake, TX, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at Bank of America and Merrill from 2010 to 2024. 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 allocation and periodic reviews.

Dennis Davis II is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Fidelity Investments and Quicken Loans/Rocket Mortgage. 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 investment guidance and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Steven Kaplan is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Kaplan Wealth Strategies LLC, Eagle Strategies LLC, NYLIFE Securities LLC, Bank of America, and Merrill. Outside of his advisory work, he is involved with a non-investment-related real estate entity. Charles Schwab & Co., Inc. serves 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 management supported by centralized custody, brokerage, and operational infrastructure.

Seth Wade is a financial advisor with Charles Schwab & Co., Inc. in Westlake, TX, holding Series 63 and Series 66 licenses and having nine years of industry experience. Prior to joining Schwab in 2024, he worked for eight years at TD Ameritrade. Outside of his advisory role, Seth occasionally engages in freelance graphic design work, including projects for nonprofit organizations. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary managed accounts supported by strategic asset allocation and alternative investment due diligence.

Trey Fidler is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 20 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2006 and at Charles Schwab Bank, SSB since 2021, following prior experience at TD Waterhouse Investor Services Inc. from 2006 to 2021. 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, centralized custody, and a formal alternative-investment process.

Don Hubbard Jr. is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 31 years of industry experience. He previously worked at TD Ameritrade and Ameritrade, Inc. Additionally, he is a licensed realtor involved in the marketing and sale of residential and commercial 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a scalable, integrated platform with centralized supervision, custody, and order routing.

Jayson Zhou is a financial advisor at Charles Schwab with three years of industry experience. He previously worked at Fidelity Investments, Landolt Securities, and TKC Wealth Management. Outside of his advisory role, he serves as an officer for the Hong Kong Association of Northern Texas. 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 supported by multi-asset model portfolios and centralized operational infrastructure.

Isaias Arellano is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at TD Ameritrade and Bentwood Luxury Kitchens. Charles Schwab 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 relationships and access to discretionary separately managed accounts, combining centralized custody and operational efficiency with multi-asset model portfolios and alternative investment options.

Brian Bell is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has been with Charles Schwab in two periods, initially from 2012 to 2024 and then returning in 2024. 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, alternative investment options, and centralized custody and brokerage services.

Geoffrey Cosgriff is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at TD Ameritrade for 17 years before joining Charles Schwab in 2024. Outside of his advisory role, he manages a rental duplex in Arlington, Texas. 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, utilizing multi-asset model portfolios and a structured alternative investment offering.

Benjamin Northam is a financial advisor at Charles Schwab & Co., Inc. He holds the Series 66 and Series 63 credentials and has one year of industry experience. His prior roles include positions at State Bank of DeKalb and Cadence Bank. 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 employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Izella Anderson is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and 21 years of industry experience. Her prior roles include positions at Merrill, Bank of America, and JP Morgan. Outside of her advisory work, she is involved in community and educational boards, including the Jonsson Schools Council and the Advisory Board of Booker T Washington High School. Charles Schwab & Co., Inc. serves 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 a combination of non-discretionary guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational resources.

Keliimakanoe Rain is a CFP® professional with 23 years of industry experience, currently advising at Charles Schwab. Prior to joining Schwab in 2022, Keliimakanoe worked for TD Ameritrade from 2006 to 2022. 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 offers a range of multi-asset model portfolios and alternative investment options.

Juan Camarillo is a CFP®-designated financial advisor at Charles Schwab with 10 years of industry experience. He previously worked at TIAA and TIAA-CREF in private asset management roles for a combined nine years. 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 advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and due diligence on alternative investments.

Jonathan Rogers is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Before joining Charles Schwab and Charles Schwab Bank, SSB in 2020, he worked at Hilltop Securities Inc. for eight 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 combines non-discretionary client relationships with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by Schwab Center for Financial Research due diligence.