Joseph Gallert is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 credentials and having 14 years of industry experience. He has been with Charles Schwab and its affiliates since 2011, including a decade at Schwab Wealth Advisory Inc. and currently at Charles Schwab Bank SSB. 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 relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Jesus Graciano Rivera is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 66 and Series 63 credentials and has previously worked at TD Ameritrade Inc. and MedData Inc. before joining Schwab. 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 options, supported by a large client base and centralized operational structure.

Matthew Cecil is a financial advisor at Charles Schwab with Series 66 registration and two years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2019, with prior roles at Keener Financial Planning, Westwood Wealth Management, and LPL Financial. 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 non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options.

Jacques Lescoat is a financial professional with Cetera and holds the Series 66 credential. He has two years of industry experience and has worked with Cetera and Porter Morgan and Associates Wealth Management in various capacities since 2014. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with discretionary and non-discretionary programs.

Samrah Akhter is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Schwab, Akhter worked at Macy's Corp and Braindocs PLLC, and has a background in full-time education spanning 14 years. She is based in Westlake, TX. 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 non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Michael Sorola is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes over a decade at TD Ameritrade. 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 accounts 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 centralized operational and custody services.

Daryl Rush is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His prior work includes eight years at TD Ameritrade before joining Charles Schwab and Charles Schwab Bank in 2022. 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 a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Christopher Koza 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 & Co., Inc. since 2018, including a role at Charles Schwab Bank, SSB. Prior to Schwab, he had brief tenures at The Huntington National Bank and other firms. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts. The firm is notable for its scale, integrated structure, and a multi-asset investment approach supported by a centralized operational platform.

Rogelio Garduno is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at The Vanguard Group and AIG Retirement Services. 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 options supported by multi-asset model portfolios and centralized operational infrastructure.

Kurt Townsley is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab Bank and Charles Schwab and Co., Inc. since 2022. Prior to his financial services career, he held positions in various industries including retail and food service. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by research and due diligence on alternative investments.

Edwin Herrera is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Schwab, he worked at Nationstar Mortgage LLC and has held various roles in other industries including transportation and golf. 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 model portfolio approach supported by centralized custody and operational services.

Jordan Halvorson is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Schwab, he worked at TDAmeritrade, and he has experience in healthcare-related roles at R3 Wound Care and Hyperbarics, Paradigm HomeCare, Carter Healthcare, and Kindred Healthcare. 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 alongside access to discretionary separately managed accounts and utilizes multi-asset model portfolios with periodic reviews and alternative investment options.

Luis Cardozo is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and nine years of industry experience. His prior work includes roles at TD Ameritrade and Wells Fargo Bank. He is based in Westlake, TX. Charles Schwab & Co., Inc. 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 combines a primarily non-discretionary client relationship model with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by Schwab Center for Financial Research due diligence.

Ivan Guillen 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 Charles Schwab Bank, Charles Schwab & Co., Fidelity Investments, TD Ameritrade Services, the University of North Texas, and Baylor Regional Medical Center. 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 multi-asset model portfolios and a centralized operational structure.

Rafael Otoya is a financial advisor with Charles Schwab & Co., Inc., holding Series 66 and Series 63 credentials and having 11 years of industry experience. He has worked at Charles Schwab and TD Ameritrade in various capacities since 2016 and previously at Fisher Investments. Outside of finance, he is involved in photography through his side business, Visual Vibes. 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 affiliated discretionary separate managed accounts, supported by an integrated operational structure and centralized supervisory and custody services.

Wyatt Beard is a financial advisor with Charles Schwab in Westlake, TX, holding Series 66 and Series 63 licenses and five years of industry experience. He previously worked at TD Ameritrade from 2020 to 2022. 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, offering both non-discretionary and discretionary investment options alongside integrated brokerage and custody solutions.

Alexandra Sexton is a financial advisor with Charles Schwab in Westlake, TX, holding a Series 66 designation and five years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2021 and was previously at TD Ameritrade from 2020 to 2022. Outside of advising, she serves as secretary on the board of Baxter Restaurants of Lee County, a role involving administrative support and staff scheduling. 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 client advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic and tactical asset allocation.

Vern Holifield is a financial advisor with Edward Jones in Fort Worth, TX, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Edward Jones since 1996. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Dustin Cakalic is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 65 and Series 63 designations and has worked at Charles Schwab since 2024, following five years at TD Ameritrade and a prior role at ScotTrade. Before his financial services career, he spent seven years at the Pasta House Company. 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 a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Shane Ammon 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 Charles Schwab since 2024, following a four-year tenure at TD Ameritrade. Outside of finance, he has been involved as a sales associate with D-Flawless Concierge Jewelers and as a stretching and flexibility coach for a healthcare staffing firm. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, combining non-discretionary and discretionary investment management with custodial and brokerage services in an integrated platform.