Chrys Papachristou is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2016. Papachristou also served in the US Army Reserves from 2015 to 2022. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Tammi Cochrane is a financial advisor at Charles Schwab with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab & Co., Inc. since 2011. 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 and offers a distinctive operational model featuring centralized custody, due diligence on alternative investments, and integrated brokerage and advisory services.

Carlos Linares is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. He has worked at Charles Schwab since 2015, with a brief period at Fidelity Investments from 2021 to 2022, and is currently 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 offers a blend of non-discretionary and discretionary investment options, combining centralized supervision and custody with multi-asset model portfolios and alternative investment opportunities.

Joseph Mortenson is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 12 years of industry experience. His prior roles include positions at Altruist LLC, Robinhood Markets, Inc., TIAA, Morgan Stanley, and Scottrade. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Christopher Kelly is a financial advisor at Charles Schwab in Lone Tree, CO, holding Series 66 and Series 63 licenses with 14 years of industry experience. His career includes multiple roles at Charles Schwab and its bank affiliates spanning over a decade, as well as experience at American Pacific Mortgage and American Financing. 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 affiliated discretionary SMAs and offers multi-asset model portfolios supported by research and a formal alternative investments program.

Evan Bardwell 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 has been with Charles Schwab since 2017 and previously worked at Wazee Digital from 2016 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 both non-discretionary and discretionary investment options, employing multi-asset model portfolios and a formal alternative-investment process within its large, integrated operational structure.

Michael Clark is a financial advisor with Charles Schwab, holding Series 66 and Series 63 credentials and five years of industry experience. His prior roles include positions at GWFS Equities, Inc., Transamerica, and ADT Security. 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, with investment guidance delivered through multi-asset model portfolios and research from Schwab Center for Financial Research.

Andrea Mc Conlogue is a financial advisor at Charles Schwab with 16 years of industry experience. She has been with Charles Schwab since 2009 and holds the Series 63 and Series 66 designations. Outside of her advisory role, she is a member and manager of two legal entities established to protect personal assets related to her husband's business. 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 a non-discretionary client relationship model with access to discretionary separately managed accounts and employs multi-asset model portfolios with ongoing investment guidance.

James Buckley is a financial advisor at Charles Schwab with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2020. Prior to this, he held roles at USAA Investment Management Company and related USAA financial planning and advisory services from 2015 to 2020. 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 investment management with integrated custody, brokerage, and financial planning services.

John Filippone is a financial advisor with Cetera based in Lone Tree, CO, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes over two decades at First Allied Securities and related entities before joining Cetera in 2020. Cetera Investment Advisers LLC is an SEC-registered firm that serves a range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diversified portfolio management, financial planning, and access to multiple investment platforms, supporting advisors with both affiliated and third-party model portfolios and a variety of program structures.

Matthew Simonetti is a Series 66 licensed financial advisor at Charles Schwab with two years of industry experience. Before joining Charles Schwab, he worked for the San Diego Padres Baseball Club for six years. Charles Schwab & Co., Inc. serves a large client base including 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 and centralized operational structures.

Nicholas Eyl is a Series 66-licensed financial advisor at J.P. Morgan Securities with 13 years of industry experience. He has worked across various roles within JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2009. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Mark Moreci is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with Charles Schwab since 1998. Charles Schwab & Co., Inc. serves mainly high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management, financial planning, and custody services. The firm is notable for its scale, integrated service model, and use of multi-asset portfolios supported by dedicated research and due diligence.

Benjamin Isler is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Charles Schwab & Co., Inc. since 2016. Outside of his advisory role, he is a passive investor and partner in the food and beverage company Kitchfix. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management with a multi-asset portfolio approach and centralized operational support.

Anthony Robinson is a financial advisor at Charles Schwab with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2019, following 14 years at TIAA-CREF. 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, delivering investment guidance through multi-asset model portfolios and due diligence on alternative investments.

Darrin Boor is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with Charles Schwab since 2006 and with Charles Schwab Bank since 2013. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wealth advisory, brokerage, custody, and financial planning services through its integrated wrap fee programs. The firm’s approach combines non-discretionary client guidance with access to discretionary managed accounts, utilizing multi-asset model portfolios and specialized alternative investment options.

Craig Sours is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2005, except for a one-year period at Morgan Stanley Smith Barney. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 guidance using multi-asset model portfolios and a centralized operational structure combining advisory, brokerage, custody, and cash-sweep services.

Nathan Sharpe is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and three years of industry experience. His prior work includes roles at Good Sam, Tucker, Albin & Associates, and Dish Network. 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 mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized operational support.

Garry Fry is a financial advisor with Raymond James Financial in Castle Rock, Colorado, holding Series 63 and Series 66 credentials and bringing 47 years of industry experience. He has been with Raymond James Financial since 2009 and has worked within the broader Raymond James organization since 2006. Fry is also president of Dodge City Financial Services LLC, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and high-net-worth clients, corporations, pension plans, charitable organizations, and institutions. The firm employs fact-finding, risk profiling, and analytical tools for tailored, non-discretionary planning and supports a broad advisor network with notable municipal and public-finance capabilities.

Carey Perkins is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2008. Outside of his advisory role, he is involved in dog sitting, providing personal care services for dogs. 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 and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.