Nicole Perez is a financial advisor at Charles Schwab with 8 years of industry experience. She has held positions at Merrill from 2010 to 2018 before joining Charles Schwab, where she has worked since 2018. Perez holds Series 63 and Series 65 licenses. 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 solutions supported by centralized custody and operational infrastructure.

George Henderson is a CFP® with 10 years of industry experience, currently serving at Wells Fargo Clearing since 2021. His prior roles include positions at Comerica Securities and Charles Schwab, where he worked from 2014 to 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its product offerings.

Jayden Rolstone Kobal is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC, Albertsons Companies, and Robinhood Financial. He is based in Phoenix, AZ. Charles Schwab & Co., Inc. serves a large client base focused primarily on 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 solutions supported by a multi-asset model portfolio approach and a centralized operational structure.

Christopher Harris is a CFP® with 25 years of industry experience, currently working at Morgan Stanley in Phoenix, AZ. His career includes roles at Bank of America and Merrill prior to joining Morgan Stanley's Private Bank and Smith Barney divisions. Outside of his advisory work, he is involved with Angel Seed Equity Holdings LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools.

Ramitesh Mathur is a financial advisor at Charles Schwab with eight years of industry experience. He has previously worked at The Vanguard Group and Bank of America. Mathur holds Series 63 and Series 66 designations. 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 provides a range of integrated brokerage, custody, and advisory services.

Mirza Kevric is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has worked at multiple J.P. Morgan entities since 2016, as well as The Monolith Group and Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting.

Robert Gage is a financial advisor with Morgan Stanley in Barrington, IL, holding a Series 66 designation and 22 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Eric Sanger is a financial advisor at Charles Schwab with 17 years of industry experience. He previously worked at Sagepoint Financial, Inc. for eight years and OSAIC for one year. Outside of his advisory roles, he has been involved with Nature's Drop Essential Oil for ten years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment review process.

Cooper Schmidt is a CFP® and holds a Series 66 license, with nine years of experience in the financial services industry. He is currently with Charles Schwab and Co., Inc., where he has worked for ten years and is also affiliated with Charles Schwab Bank, SSB. Prior to that, he spent four years at Lyft. 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 operates a hybrid model combining non-discretionary advisory recommendations with access to affiliated discretionary SMA portfolios and centralized custody and order-routing arrangements.

Joshua Ardelean is a financial advisor at Charles Schwab with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Charles Schwab since 2010, including roles at Charles Schwab Bank and OptionsXpress, 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 provides both non-discretionary and discretionary investment management options, supported by multi-asset model portfolios and due diligence on alternative investments.

David Suess is a financial advisor at Charles Schwab with 20 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Charles Schwab in 2020, he worked at USAA in various roles from 2007 to 2020. 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 multi-asset model portfolios and centralized operational infrastructure.

Summer Darkis is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Surprise, Arizona. She has 12 years of industry experience, all with JPMorgan Chase Bank and J.P. Morgan Securities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting with client decision-making authority. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Larry Osa is a financial advisor with Robert W. Baird & Co. in Peoria, AZ, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. His previous roles include 11 years at RBC Capital Markets before joining Robert W. Baird in 2019. Outside of his advisory work, he serves on the board of Sunshine Dog Rescue, where he helps establish intake and adoption policies. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing a range of strategies from traditional to non-traditional investments and providing both discretionary and non-discretionary management options.

Steven Selsky is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on creating personalized wealth management strategies that align with his clients' life priorities and financial goals. Steven's practice serves small business owners, employees of publicly traded companies, high net worth families, and professional athletes. He has expertise in areas including college education planning, family wealth management strategies, investment consulting for defined contribution plans, managing new wealth, portfolio management services, small business strategies, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. Steven holds a Bachelor's Degree from the University of Arizona and is a Personal Investment Advisor (PIA). Steven is a former professional athlete who transitioned into financial advising to help people receive proper financial guidance. He lives in Phoenix, Arizona, with his wife Brittany, their newborn daughter Emma, and their golden retriever Nala. Steven enjoys baseball, skiing, surfing, traveling, volleyball, watching movies, and spending time with his family.

Roy McClung is a financial advisor with Charles Schwab & Co., Inc. and holds Series 63 and Series 66 credentials. He has 30 years of industry experience, including prior roles at Strategic Staffing, USAA Investment Services Company, USAA Financial Advisors, Inc., TD Ameritrade, Inc., and Scottrade Inc. He is based in Phoenix, AZ. 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by research and alternative investment options.

Hector De Jesus Ramos is a financial advisor at Charles Schwab with nine years of industry experience. He holds the Series 66 and Series 63 designations. His prior experience includes roles at The Vanguard Group, Uber, and Foresters Financial Services. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside centralized custody and operational support.

Rebecca Clark is a financial advisor with Charles Schwab, holding CFP® and ChFC® designations and over 20 years of industry experience. She previously worked at The Vanguard Group, Inc. for 11 years and has been with Charles Schwab & Co., Inc. since 2017. Clark is a member of the NAU Finance Advisory Council, where she mentors students and supports educational programs. 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, offering both non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments.

Christopher Ratka is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Financial Engines Advisors L.L.C. and The Vanguard Group. Ratka is based in Phoenix, AZ. 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 and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Paul Behnken is a financial advisor at Charles Schwab with 14 years of industry experience. He holds a Series 66 designation and has held positions at Robinhood Markets, Inc., Robinhood Financial, LLC, Bank of America, N.A., and Merrill. He is based in Phoenix, AZ. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes multi-asset model portfolios with strategic allocation and access to discretionary separately managed accounts through affiliated management.

Chandeep Chadha is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various Charles Schwab entities since 2021. Prior to joining Schwab, Chadha held positions at TopGolf and Chipotle. 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 affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory services and access to affiliated discretionary SMA portfolios, supported by centralized custody and operational systems.