Chengyu Ma is a financial advisor at Charles Schwab with a Series 66 designation and over seven years of prior experience in investment management roles, including at HFT Investment Management. Chengyu also worked with Beyond International and Western Leadbank FMC before joining Charles Schwab. He owns Lingyun Advisory LLC, a company established to facilitate collaboration during a contracting period but which has had no substantial business activities and is slated for closure. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through a range of advisory and brokerage services, combining non-discretionary client relationships with access to discretionary separately managed accounts and alternative investment options within a large, integrated platform.

Austin Hurley is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 66 designations. His work history includes roles at Charles Schwab Bank SSB, Charles Schwab & Co., Inc., and TD Ameritrade, as well as prior positions with the City of Fort Worth and the City of Colleyville. 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 both non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a centralized operational structure that integrates advisory, brokerage, custody, and cash-sweep services.

Thomas Morgan is a CFP®-designated financial advisor with 18 years of industry experience, currently with Charles Schwab in Westlake, TX. His career includes positions at Fidelity Personal and Workplace Advisors and Fidelity Investments. Outside of his advisory work, he co-owns a residential rental property with his wife, which they rent at cost to friends. 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 investment guidance and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Scott Mcadams is a financial advisor at Charles Schwab with 9 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade and Aaron's Sales and Lease. 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, supported by centralized custody and operational resources.

Erik Banda is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has worked at J.P. Morgan Securities LLC since 2013 and has been with JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors, combining institutional advisory capabilities with brokerage and investment management services.

Quentin Mc Cart is a CFP®-certified financial advisor with Charles Schwab, where he has worked since 2024. He has four years of industry experience, including prior roles at TD Ameritrade and the U.S. Census Bureau. Outside of finance, he is the author of two books published through Amazon Direct Publishing and has been involved in residential and commercial pest control services through Kolibri Pest Control. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering both non-discretionary and discretionary investment advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm’s integrated structure combines advisory, brokerage, custody, and cash management services.

Noah Woods is a financial advisor at Charles Schwab with a Series 66 designation. He has less than one year of experience in the industry. His background includes roles outside the financial sector and various positions in education and hospitality prior to joining Schwab. 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 offers both non-discretionary guidance and access to discretionary separately managed accounts, delivering investment advice through multi-asset model portfolios and a centralized operational structure.

James Reilly is a financial advisor at Charles Schwab with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Charles Schwab Bank, SSB since 2023 and Charles Schwab and Co., Inc. since 2022. Prior to joining Schwab, he spent 11 years at TD Ameritrade. 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 using multi-asset model portfolios and provides custody, brokerage, and cash-sweep services within a large integrated structure.

Rachel Stout is a financial advisor at Charles Schwab with three years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab since 2020. Prior to her current role, she was employed at Ruffalo Noel Levitz and had involvement with Church In Austin. 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 and discretionary investment solutions supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Mayra Hernandez is an Executive Planning Consultant at Fidelity Investments, where she partners with clients to help them understand their company benefits and explore strategies supporting their financial objectives. She emphasizes building relationships based on trust to create plans aligned with each client's unique goals and vision for the future. Her experience at Fidelity Investments spans multiple roles since 2015, including positions as Executive Planning Consultant, Benefits Planning Consultant, and various Workplace Planning & Guidance Consultant levels. This progression reflects her continued growth and expertise in benefits and financial planning within the company's Executive Services division. Mayra holds a California Insurance License and engages in personal interests such as camping, family activities, fitness, social events with friends, hiking, and running.

Thien Vo is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab since 2022, following prior roles at TD Ameritrade, AeroTek, and Tax Season Brokers. 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 provides centralized custody, order-routing, and alternative investment due diligence.

Francisco Santana Ruiz is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior work includes roles at TD Ameritrade and TD Ameritrade Clearing Inc. Outside of finance, he manages Rico Breeze LLC, a company that performs maintenance and emergency repairs on air quality systems. 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 solutions, supported by Schwab’s centralized operations and extensive client base.

Conor Lindblom is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and four years of industry experience. He previously worked at TD Ameritrade and has held various other roles outside the financial sector. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines non-discretionary advice with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by in-house research.

Adam Moron is a financial advisor with Charles Schwab & Co., Inc. He holds Series 66 and Series 63 licenses and has eight years of industry experience. His prior work includes positions at TD Ameritrade and Goldman Sachs & Co. LLC. 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 both non-discretionary and discretionary investment options supported by multi-asset model portfolios and a formal alternative-investment program.

Lance Kerr is a financial advisor with Primerica Advisors in Bridgeport, TX, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Primerica Advisors since 1996 and with Primerica Financial Services since 1993. Outside of his advisory role, he is the owner of LSK Farms, a wedding and events venue. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients within a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities, maintaining oversight of investment models and fee arrangements.

James Garner is a financial advisor at Charles Schwab with 20 years of industry experience. He holds a Series 66 designation and previously worked at TD Ameritrade Inc. from 2008 to 2022 and operated Garner's Bodacious Broderick from 2009 to 2018. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its integrated Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides multi-asset model portfolios supported by in-house research and alternative investment options.

Jaxon Day is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at TD Ameritrade and JPMorgan Chase Bank, N.A. prior to his current role. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program.

Pamela Natvig is a CFP® certificant with 26 years of experience in the financial industry. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018, and previously spent 18 years at Ameriprise Financial Services, Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Yingru Wang is a financial advisor at Charles Schwab with Series 65 and Series 63 credentials and four years of industry experience. Prior to joining Charles Schwab, Yingru worked at TD Ameritrade and held roles outside finance including at Air China Cargo and Preston ABC Day School. Outside of advising, Yingru operates an online retail business selling security camera systems through Amazon and eBay. Charles Schwab serves a large client base 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’s model combines primarily non-discretionary advice with access to discretionary separately managed accounts and a multi-asset investment approach supported by centralized operational and custody services.

Joseph Prikryl is a financial advisor at Charles Schwab with a Series 66 designation and less than one year of industry experience. His prior work history includes roles at Equitable Advisors and Discovery Land Company, alongside periods focused on education and various other positions. 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 a non-discretionary advisory model with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios backed by research and due diligence.