Ronald Regan is a Certified Financial Planner® with 26 years of industry experience. He is currently with Schwab Wealth Advisory and Charles Schwab, where he has worked since 2022. Prior to that, he held roles at TD AMERITRADE and Fidelity Brokerage Services. He serves as Co-Chair of the Dallas Chapter of the Market Technicians Association, organizing monthly events and managing communications. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations that leverage Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit of Charles Schwab, with advice delivered through client-directed investment decisions rather than discretionary management.

Andrew Wood is a financial advisor with Goldman Sachs Wealth Services in Irving, TX, holding a Series 66 designation and 12 years of industry experience. He has worked at Goldman Sachs & Co. LLC since 2021 and previously spent eight years with The AYCO Company, L.P./Mercer Allied. Goldman Sachs Wealth Services offers financial planning, investment management, and advisory support to a diverse client base, including individual and high-net-worth households, corporate participants, and institutional clients. The firm uses centralized investment resources and model portfolios, delivering services through various tailored programs such as Executive Wealth and Private Family Office support.

Millicent Holmes is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Her prior roles include positions at Zeiders Enterprises, Inc. and Comprehensive Partners, LLC, as well as running Holmes Business Analytics for over a decade. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews and investment recommendations using Schwab's proprietary research tools. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its advisory model from many enterprise wealth managers.

Frederick Ehinmiakhena II is a financial advisor at Eagle Strategies (New York Life) in Southlake, TX, holding Series 63 and Series 65 licenses with eight years of industry experience. His prior roles include positions at Mass Mutual and Northwestern Mutual, spanning various capacities from 2015 to 2023. He is also involved in insurance brokering for non-registered insurance products. Eagle Strategies serves a diverse client base including individuals, institutional investors, and retirement plan sponsors, offering financial planning, investment management, and advisory services. The firm emphasizes tailored solutions and predominantly manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Robert Malzberg is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds a Series 66 designation and has worked at firms including JPMorgan Chase Bank, The Vanguard Group, and Bank of America. His background also includes roles outside traditional finance, such as employment with DoorDash and the New York Yankees. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations. The firm utilizes Schwab's proprietary research tools and standard asset allocation models, with clients retaining final trading decisions while receiving guidance from advisors.

Aniyah Gibbs is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Schwab, she held roles at United Specialty Advertising, Florida Financial Advisors DBA Texas Financial Advisors, and Kula Sports Performance. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations through Schwab’s asset allocation models and research tools.

Kevin Richardson is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes positions at TD Ameritrade and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Dennis White is a financial advisor at First Command Advisory Services with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with First Command in various capacities since 2013. He also owns and operates Dennis B. White Financial Planning, LLC as an independent district advisor. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to design and monitor model portfolios and select third-party managers.

Paul Rennie is a financial advisor with Primerica Advisors and Park Avenue Securities, holding a Series 66 credential and 11 years of industry experience. He has worked at Primerica Advisors and Guardian Life Insurance Company since 2014 and joined Park Avenue Securities in 2024. Outside of his advisory role, Rennie serves as the executor for an estate. Park Avenue Securities serves a diverse retail client base, offering both brokerage and advisory services including financial planning and retirement consulting. The firm employs a range of investment strategies through proprietary and third-party managers, supporting discretionary and non-discretionary accounts with various investment vehicles and lending solutions.

Nate Ramirez is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 12 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its services.

Jody Brown is a financial advisor at Principal Financial Services with 5 years of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining Principal Securities, Inc. and Principal Life Insurance Company in 2026, she worked at Guardian Life Insurance Company and Park Avenue Securities from 2023 to 2026, and at PFS Investments Inc. and Primerica Financial Services from 2020 to 2022. She also served in a long-term role at Frisco ISD from 2000 to 2023. Brown serves on the board of directors for FASTPacs, a nonprofit organization based in Frisco, TX. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory arrangements.

Thanh Vo is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab, TD Ameritrade, CarMax, and World Market. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not typically act as a discretionary portfolio manager.

Matthew Mc Coll is a financial advisor at Schwab Wealth Advisory with a Series 65 designation and four years of industry experience. His prior roles include positions at Charles Schwab, Mass Mutual Investors Services, and Turnbridge, as well as experience as an attorney. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, planning discussions, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co. and does not charge clients directly for its services.

Hongli Chen is a CFP®-credentialed financial advisor at Schwab Wealth Advisory with nine years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Chen worked at Charles Schwab & Co., Inc. and TD Ameritrade, Inc. He is also involved in property management activities, assisting with tenant needs. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering recommendations via standard asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Randall Crimmings is a CFP® professional with 22 years of industry experience, currently serving at Focus Partners Wealth, LLC. His prior experience includes roles at The Colony Group, LLC, Buckingham Strategic Wealth, LLC, and Clintsman Financial Planning. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that integrates active and passive strategies within an enhanced open architecture framework.

Mary Aguirre is a financial advisor at Schwab Wealth Advisory with four years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab, TD Ameritrade, Lockton Dunning Benefits, and Conduent Business Services. Prior to her advisory roles, she also spent time as a stay-at-home mom. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, using standard asset allocation models and research tools while leaving final trading decisions to clients.

Natali Espinosa is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials. She has been with Schwab Wealth Advisory and Charles Schwab since 2025. Prior to entering the financial industry, she spent several years in full-time education and worked at Ozumo Santana Row LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools. The firm operates as an internal advisory unit within Charles Schwab, delivering advice without discretionary trading authority and typically serving individual clients rather than institutional accounts.

Darrell Amsden is a financial advisor with Equity Services, Inc. who holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 38 years of industry experience and has been with Equity Services and National Life Group since 2014. Besides his advisory role, he is registered as a life insurance sales agent and also acts as power of attorney for family members under specific circumstances. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms combining long-term strategies with options for shorter-term trading and employs a network of investment adviser representatives to deliver its services.

James Quaider is a financial advisor at Citigroup Global Markets with 32 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His previous roles include positions at BBVA Wealth Solutions, USAA Investment Services Company, and USAA Financial Advisors. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary programs, leveraging internal standards and oversight committees to select and monitor managers.

Kevin Harrington is a financial advisor at Eagle Strategies (NY Life) based in Dallas, TX. He holds Series 65 and Series 63 licenses and has five years of industry experience. His prior work includes roles at NYLIFE Securities LLC, New York Life Insurance Co, Frisco Rush LLC, and KSM Consulting LLC. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm delivers tailored advice through multiple program types and manages a significant amount of assets on a non-discretionary basis.