Gilberto Cuen is a CFP® professional with 11 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. since 2019. He has been affiliated with Charles Schwab since 2014 and has a background that includes 15 years at CostCo. Outside of his advisory role, he is involved in buying, renovating, and selling homes. Schwab Wealth Advisory, Inc. provides non‑discretionary fiduciary investment advice to clients enrolled in its program, delivering services through Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on wealth management education and annual account reviews without discretionary trading authority.

Joseph Estrella is a CFP®-certified financial advisor with Schwab Wealth Advisory in Phoenix, AZ, with four years of industry experience. Prior to his current role, he worked at Protein Lab and has held positions in retail and food service. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews, retirement planning discussions, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab and does not act as a discretionary portfolio manager.

Ryan Schulte is a CFP® professional with 20 years of experience in financial services. He is currently with Guardian Life and affiliated with Park Avenue Securities, where he has worked in various capacities since 2016. Outside of his advisory role, Schulte is an adjunct professor of finance, teaches cash flow management, and writes articles for various sources. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, retirement consulting, and investment advisory programs to individuals, high-net-worth clients, and institutional entities. The firm offers discretionary and non-discretionary advisory solutions, including digital options, and integrates proprietary and third-party investment strategies.

Rick Wertheim is a financial advisor at Independent Financial Group, LLC with 18 years of industry experience. He holds a Series 66 designation and has been with Independent Financial Group since 2015. Outside of his advisory role, he serves as Treasurer for the Cal Poly Alumni Association. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm offers a range of advisory programs through its AccessPoint platform and third-party asset managers, serving a diverse client base including high-net-worth individuals and institutional clients.

Rodger Hanson is a CFP® professional with 16 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc., having joined in 2026. Prior to that, he worked at The Vanguard Group, Inc. for nine years and was self-employed for four years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement and planning discussions, and investment recommendations based on Schwab’s asset allocation models and research tools.

Jaime Olivas is a CFP® with seven years of experience in financial advising, currently with Schwab Wealth Advisory. His prior roles include positions at Edward Jones, Merrill, Bank of America N.A., and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations through Schwab’s research tools and standard asset allocation models.

Harrison Smith is a financial advisor at Schwab Wealth Advisory with Series 65 and Series 63 credentials and one year of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab and US Bank. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools. The firm serves individual investors through annual financial reviews and investment recommendations, without exercising discretionary trading authority.

Daniel Martell is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 licenses. He has four years of industry experience, including prior roles at Merrill and UPS. Martell is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab & Co.’s asset allocation models and research tools to deliver investment recommendations, with clients maintaining final trading decisions.

Scott Ellsworth is a financial advisor with PlanMember Securities Corporation, holding a Series 66 designation and 16 years of industry experience. He has been associated with PlanMember since 2016 and also works with One2One Wealth Strategies and Williams & Co dba Williams and Company Financial Services. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its asset allocation portfolios. The firm’s investment process centers on a strategic asset allocation framework and the management of risk-based mutual fund portfolios, supported by education and support services for plan sponsors and participants.

Jackson Hansen is a CFP® with three years of industry experience, currently serving as a financial advisor at Steward Partners Investment Advisory, LLC. His prior roles include positions at Ameriprise, Hinman Financial Planning, and RH Advisors, LLC. Hansen’s background also includes work in real estate with Berkshire Hathaway HomeServices and missionary experience. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in assets and serving a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of portfolio management and financial planning services through both proprietary and third-party solutions.

John Pyles is a CFP® with 22 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He previously worked at Nationwide Investment Services Corporation, CAPTrust, and The Vanguard Group. Outside of advisory roles, he is the owner and executive director of JFP Ventures, Inc., operating the Huntington Learning Center of Arizona, and serves as a board member for the Marilyn Smith and Founders' Legacy Foundation. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily to individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, supported by online planning tools and annual financial reviews.

Daniel Martin is a CFP® credentialed financial advisor with Schwab Wealth Advisory in Phoenix, AZ, and has 11 years of industry experience. He has worked at Schwab Wealth Advisory since 2017 and has been with Charles Schwab & Co., Inc. since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Charles Schwab ecosystem and generally does not exercise discretionary trading authority.

Leona Cahill is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at BMO Harris Bank and North Central University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to support client investment decisions through annual reviews and planning discussions.

Treva Ziemba is a CFP® with 29 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. She has been associated with Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. since 2016, alongside a decade of experience at Kohl's. Outside of her advisory role, she is president of the Scottsdale Vista North Homeowner Association and secretary for the Desert Mountain Boosters nonprofit organization. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, combining annual financial reviews with tailored investment recommendations using Schwab’s proprietary research and standard asset allocation models. The firm operates as an internal unit within the Schwab ecosystem with a cost-and-expense plus fee arrangement and does not exercise discretionary trading authority for client accounts.

Janette Schwendeman is a CFP® professional with 14 years of industry experience, currently affiliated with Private Advisor Group, LLC since 2025. She has previously worked with Graystone Partners Wealth Management, LLC and LPL Financial, LLC. Outside of advisory services, she is involved as a non-variable insurance agent with Lion Street Private Client Group. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers a range of portfolio management and financial planning services, employing various investment strategies and supporting held-away account management through multiple platforms and custodians.

Austin Schattenberg is a Series 66 licensed financial advisor with three years of industry experience. He is currently with Principal Financial Services and Principal Life Insurance Company, having previously worked at Edward Jones and Target. Outside of his advisory work, he has experience in business operations with Bongiorno Bagels. 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 military personnel stationed abroad. The firm's advisory services include financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Miguel Duarte is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and four years of industry experience. Prior to joining Commonwealth, he worked at Custom Financial Design and has a background that includes ownership of a musical entertainment business, Mariachi Estrellas Musicales, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $200 billion in client assets. The firm provides a broad range of managed-account programs, third-party asset manager access, and custodial services, supporting both individual and institutional clients.

John Herrero is a CFA® charterholder and Series 63 licensee with two years of industry experience. He is currently affiliated with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc., having joined in 2026. Prior to this, he held roles at STORE Capital, The Vanguard Group, and other firms. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s asset allocation models and research tools. The firm conducts annual account reviews and works within the Schwab ecosystem, differentiating itself through its operating structure and service approach.

Leslie Vipond is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 28 years of industry experience. She has worked at Charles Schwab since 2010 and with Schwab Wealth Advisory since 2012. Based in Phoenix, AZ, she provides investment advice primarily through the Schwab Wealth Advisory program. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients enrolled in its program, providing annual financial reviews and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and research tools, while final trading decisions remain with clients.

Stephen Meyer is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and having 17 years of industry experience. He has been with Schwab Wealth Advisory since 2019 and with Charles Schwab since 2009. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, 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 directly charge clients fees, distinguishing its model from many enterprise wealth managers.