Tim Mc Laughlin is a financial advisor with Raymond James & Associates, holding Series 63 and 66 licenses and bringing eight years of industry experience. His prior roles include positions at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, Transamerica Capital Inc, and ReadyTalk. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Thomas Burns is a financial advisor at Charles Schwab with 20 years of industry experience. He holds Series 63 and Series 65 designations and has been with Charles Schwab since 2017. Prior to his current role, he was involved with FYZICAL Therapy and Balance Centers and FYZICAL Fitness for nearly a decade each. 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, multi-asset model portfolios, and a centralized operational structure supporting a large client base.

Justin Morales is a financial advisor at Charles Schwab with six years of industry experience. He holds the Series 63 and Series 66 licenses and has previously worked at JPMorgan Chase Bank NA, JPMorgan Securities LLC, Fidelity Brokerage Services LLC, BBVA, U.S. Bank, Home Image Co LLC, AT&T, University of Colorado, and UPS. 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, utilizing multi-asset model portfolios and centralized custody and operational systems.

Maggie Gomez is a financial advisor with Charles Schwab in Parker, CO, holding Series 63 and Series 66 credentials and 18 years of industry experience. She has been with Charles Schwab since 2007. Outside of her advisory role, she manages a rental property in Englewood, CO. Charles Schwab 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 combines non-discretionary advisory models with access to affiliated discretionary separately managed accounts, supported by a large integrated operational platform.

Robert Foltz is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with Charles Schwab since 2011. Outside of his advisory role, he has expressed interest in starting a rental property business in the mountains, with his wife managing the operations. 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 SMAs and offers a centralized, integrated structure supporting a large client base.

Micah Pitman is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Wells Fargo, Tommy Bahama, and Instacart. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting delivered through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Timothy Legamaro is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has previously worked at Invest Financial Corporation, Pfic Advisors, Inc., and Select Advisory Services, LLC. Outside of advisory work, he is involved in insurance services and engages in real estate activities, including building and sale of speculative homes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various advisory services and platforms, including financial planning, model portfolios, and third-party asset management, supported by technology tools and a broad range of financial products.

Austin Witt is a financial advisor at Charles Schwab with eight years of industry experience and holds the Series 66 designation. He has worked at various Charles Schwab entities since 2017, including Charles Schwab Bank, SSB, and Charles Schwab Trust Bank. Prior to his advisory career, he spent time at Texas State University. 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 combines non-discretionary advisory with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by in-house financial research.

Brandon Crider is a financial advisor at UBS Financial Services with five years of industry experience. He holds the Series 66 designation and has worked at firms including TIAA and Truliant Federal Credit Union. Outside of his advisory role, he works part-time on the safety and security team at Target. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services delivered by a large network of advisors using proprietary research and model-based asset allocations.

Paul Davis is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and seven years of industry experience. He has been with Charles Schwab since 2017, including five years at Charles Schwab Bank, SSB, and prior experience at Westerra Credit Union. 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 a centralized operational platform.

Ted Sethness is a financial advisor with Charles Schwab & Co., Inc. in Lone Tree, Colorado, holding a Series 66 designation and bringing 25 years of industry experience. He has worked at Charles Schwab since 2017 and previously at Optionsxpress Inc from 2014 to 2017. 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 accounts. The firm offers a combination of non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a formal due diligence process for alternative investments.

Sarah Beckett is a CFP® professional with 18 years of industry experience, currently with Charles Schwab. Her work history includes roles at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., and TD Ameritrade. Outside of her advisory role, she is self-employed. 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 solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Christina Brown is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Charles Schwab since 2000. 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.

Mikel Gardner is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments and Alignment Financial. Outside of finance, he spent several years as a homemaker and worked in education with Douglas County Schools and Amer Academy. 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 combines a non-discretionary client relationship model with access to affiliated discretionary SMA portfolios, using multi-asset model portfolios and comprehensive due diligence on alternative investments.

Jeremy Henderson is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 12 years of industry experience. Prior to joining Schwab in 2022, he worked at TD Ameritrade for 10 years. Outside of his advisory work, he manages a bail bond-related website hosting service. Charles Schwab & Co. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account services. The firm offers a combination of non-discretionary investment advice and access to discretionary separately managed accounts, supported by centralized custody and a broad platform of alternative investments.

James Mooreland II is a financial advisor at OSAIC with 27 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2024, he worked for Woodbury Financial Services for 16 years. He is the owner of The Emotional Investor, through which he provides educational seminars and materials on behavioral economics and the impact of psychology on investment decisions. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs advanced asset-allocation tools and supports various managed-account solutions, integrating multiple platforms and commercial arrangements.

Matthew Hentzen is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Charles Schwab since 1999 and previously worked at optionsXpress from 2012 to 2017. 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 separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational structure.

Gareth Vaz is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the CFA® designation along with Series 63, 65, and 66 licenses. His prior experience includes roles at Dimensional Fund Advisors and American Funds, as well as an earlier tenure at Charles 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios with strategic asset allocation and periodic reviews.

Andrew Glenn is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab, he worked in various roles including security and law enforcement. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts with integrated brokerage, custody, and cash management functions.

Gregory Vasquez is a CFA® charterholder with 26 years of industry experience. He has been with Charles Schwab since 2004, based in Lone Tree, CO. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.