Juvy Hing is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. Her prior work includes roles at Magnit, Northwest Independent School District, Richardson Independent School District, and the University of Texas in Arlington. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers both non-discretionary and discretionary investment options, combining multi-asset model portfolios with centralized custody and order-routing arrangements.

Currim Valliani is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 credentials and having 25 years of industry experience. He previously worked at TDAmeritrade Inc. for 18 years before joining Charles Schwab in 2022. Outside of his advisory role, he is a limited partner investor in Fallbrook Partners LP, which involves hotel ownership. 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 SMA offerings and utilizes multi-asset model portfolios supported by Schwab’s research and due diligence on alternative investments.

Behzad Mansouri is a financial advisor at Charles Schwab with 26 years of industry experience and holds Series 63 and Series 65 designations. He previously worked at Oppenheimer for nine years. Mansouri serves on the Global Advisory Board of More Than Capital and is a board director for a residential building, focusing on governance roles. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its 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 separate managed accounts and offers a structured approach to multi-asset portfolios and alternative investments.

Marie Baldenegro is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Prior to joining Schwab in 2020, she worked at USAA in various investment management and financial planning roles from 2014 to 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary financial guidance and access to discretionary separate managed accounts. The firm’s large scale and integrated structure provide centralized supervisory, custody, and order-routing services alongside multi-asset model portfolios and an alternative investments program.

Michael Petruso is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked at TD Ameritrade and RockBox Fitness, among other roles. Charles Schwab serves a large client base, 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 both non-discretionary and discretionary investment options using multi-asset model portfolios and a formal process for alternative investments.

Timothy Fontenot is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes long tenures at Avantax and Thomson Reuters. Outside of his advisory role, he provides tax preparation services and serves as an alternate member of the Keller Public Arts Board. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, institutional, and retirement clients with a multi-manager platform offering a range of portfolio management, financial planning, and consulting services.

Christina Galvan is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 designations and five years of industry experience. Her career includes roles at Charles Schwab Bank, Charles Schwab, TD Ameritrade, GM Financial, and Allied Federal Credit Union. 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 and discretionary investment solutions, leveraging multi-asset model portfolios, alternative investments, and a centralized operational structure.

Duc Nguyen is a financial advisor at Charles Schwab with designations Series 63 and Series 66 and five years of industry experience. His prior work includes positions at TD Ameritrade and Charles Schwab Bank, along with six years at NVP Homes, 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 offers both non-discretionary and discretionary investment options, employing multi-asset model portfolios and a centralized operational model that supports a broad range of advisory and custody services.

David Antoszek is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Charles Schwab in 2021, he held positions at Union Pacific and The Exterior Expert Group. 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and centralized custody and order-routing arrangements.

Bryce Cook is a financial advisor with Charles Schwab holding Series 65 and Series 63 licenses and two years of industry experience. Prior to joining Charles Schwab, he worked at Walmart and several banking institutions including Texas Bank Financial and Worthington National Bank. 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 multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Thomas Leake is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has nine years of industry experience. His work history includes roles at TD Ameritrade from 2016 to 2022, followed by positions with Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB since 2022 and 2023, respectively. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and other managed-account and financial planning services. The firm combines non-discretionary advisory relationships with affiliated discretionary separately managed accounts, offering multi-asset model portfolios and a structured alternative investment program.

Ryan Carnes is a financial advisor with Charles Schwab & Co., Inc. in Westlake, TX, holding Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Schwab in 2022, his work history includes roles outside the financial industry. 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 solutions, combining extensive client coverage with centralized supervisory and custody arrangements.

Brandon Shipp is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 credentials and five years of industry experience. His prior employment includes roles at TD Ameritrade and Charles Schwab Bank. Outside of his advisory work, he has worked as a driver for food delivery services such as DoorDash and Grubhub. 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 operates a primarily non-discretionary client relationship model, providing both advisory recommendations and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Jason Carlson is a financial advisor with Charles Schwab in Westlake, TX, holding CFP® and ChFC® designations and 24 years of industry experience. He has worked at Charles Schwab and its affiliated entities since 2018, and previously was with Fidelity Investments. 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 multi-asset model portfolios with strategic asset allocation and alternative investment options.

Efraim Gonzalez Cardenas is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab, TD Ameritrade, and Charles Schwab Bank. Outside of his advisory role, he assists with bookkeeping and financial management for a retail business owned by his spouse. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management, as well as integrated brokerage, custody, and cash-sweep services.

Blanca Fernandez is a financial advisor at Charles Schwab with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Fidelity Investments, Texas Capital Private Bank, and Regions Private Wealth. Outside of her advisory role, she owns a rental property consisting of a home and barn apartment. 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 provides a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by integrated custody and brokerage services.

Kaitlyn Chance is a financial advisor at Charles Schwab with five years of industry experience. She holds Series 63 and Series 66 credentials. Prior to joining Charles Schwab in 2021, she worked at Steven F. Austin State University and has experience with the Delta Zeta Sorority National and Kroger. 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, with an emphasis on multi-asset model portfolios and alternative investment options.

Meghann Newman is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 65 credentials and 21 years of industry experience. She has worked at Charles Schwab since 2016 and at Charles Schwab Bank, SSB since 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 a multi-asset investment approach supported by centralized custody and operational infrastructure.

David Morris is a Series 66-licensed financial advisor at Charles Schwab with 10 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Guardian Life, and several boutique firms. He currently works 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 affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, employing multi-asset model portfolios and centralized custody and order-routing services.

Arthur Kapenya is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and six years of industry experience. He has worked at Charles Schwab since 2018, with a brief period elsewhere between 2021 and 2022. Prior to his financial services career, he held roles at Walgreens and Kroger. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering integrated advisory, brokerage, custody, and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by in-house research and alternative investment due diligence.