Christian Villa is a financial advisor at Schwab Wealth Advisory with six years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at Fidelity Investments and Fidelity Brokerage Services LLC. Outside of his advisory role, he has worked in retail sales and as a food delivery driver. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses Charles Schwab & Co.’s asset-allocation models and internal research tools to guide investment decisions, with trades executed only upon client authorization.

Jingwen Yi is a financial advisor with Schwab Wealth Advisory in Westlake, TX, holding Series 63 and Series 66 licenses and five years of industry experience. Their work history includes roles at Charles Schwab and Schwab Wealth Advisory since 2020, with prior experience at Pricetrace LLC, Grand View Construction, University of Houston, and Fairway Insurance. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, with a focus on mutual funds, ETFs, separately managed accounts, and alternative investments, while trading occurs only with client authorization.

Christopher Kearns is a financial advisor with First Command Advisory Services and holds a Series 66 designation. He has six years of industry experience, including work at multiple First Command entities since 2020 and prior roles in automotive and hospitality sectors. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs employing model portfolios and third-party managers selected by a centralized Investment Management Team.

Nicholas Wallace is a Series 66-credentialed financial advisor with First Command Advisory Services in Fort Worth, TX, bringing 10 years of industry experience. His prior roles include positions within First Command Insurance Services and First Command Financial Planning, as well as a one-year tenure at Enterprise Holdings. Outside of his advisory work, he serves in volunteer leadership roles including Secretary of the Navy League San Diego and Sponsorship Chair for La Mesa National Little League, and he is active with the Coast Guard Auxiliary and the Coast Guard City San Diego Committee. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by a centralized Investment Management Team, utilizing model portfolios that include mutual funds, ETFs, and third-party managers selected from approved lists.

Kristopher Karazissis is a CFP® professional with 19 years of industry experience, currently serving at Truist Advisory Services. His background includes roles at BB&T Securities, BB&T, and Truist Investment Services. He serves as an associate regent on the board of The Oakridge School, a K-12 college preparatory institution. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and consulting supported by third-party platform and manager arrangements.

William Brewer is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding the ChFC® designation and Series 63 and 66 licenses. He has seven years of industry experience, including roles at First Command Brokerage Services and LD Lowe Wealth Advisory. Brewer is co-owner of BFD Kennels, where he helps raise and sell K9s. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, employing centralized portfolio management and an employee-ownership structure.

Aasha Jones is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding Series 63 and Series 65 registrations and 11 years of industry experience. Her prior work includes roles at Charles Schwab and Wells Fargo Clearing. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by a centralized Investment Management Team using model portfolios and third-party managers from prescreened lists.

Ramon Aguirre is a financial advisor with Money Concepts Capital Corp in Fort Worth, TX, holding Series 66 and Series 63 licenses and possessing 12 years of industry experience. His career includes roles at Maia Wealth, Jim Poe & Associates, and Charles Schwab, among others. Aguirre also owns and manages DTN Wealth LLC and DTN Income Strategies LLC, which are personal business ventures outside of his securities activities. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base, including individual investors, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation investment strategies and operates as an enterprise adviser managing approximately $4.07 billion in client assets through a broad network of advisors.

Alexander Gido is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co. in 2026, he worked at Goldman Sachs from 2023 to 2026. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on standard asset-allocation models and internal research tools, with reviews tailored to clients’ goals and risk tolerance.

Darius White is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Guardian Life and its subsidiary Park Avenue Securities. His previous roles include positions at Charles Schwab, Prudential, Wells Fargo, BMO Harris, and US Bank. Outside of his advisory work, he is involved in entrepreneurial activities including leading a retail and commercial real estate company as President and CEO and owning an e-commerce business. Park Avenue Securities LLC, part of Guardian Life, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, and charitable organizations. The firm employs a combination of advisor-led discretionary management and model-based strategies, providing tailored client solutions that include access to insurance products and alternative investments.

Ethan Porter is a financial advisor at First Command Advisory Services with three years of industry experience. He holds a Series 66 designation and previously served in the U.S. Army. Prior to his financial career, he worked with All About Trees INC and attended the University of North Georgia. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed through a centralized Investment Management Team and Wealth Portfolio Managers.

Alan Bridges is a CFP® professional with six years of industry experience, currently serving at First Command Advisory Services. He previously worked at J.W. Cole Advisors and Pennica Financial Group. Bridges volunteers as an Assistant Scoutmaster for Scouts BSA Boys Troop 268, a role he has held for six years. First Command Advisory Services is an SEC-registered investment adviser focused on individuals, corporate, and charitable clients, with a particular emphasis on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by a centralized Investment Management Team.

Sarah Kim is a financial advisor at First Command Advisory Services with Series 63 and Series 65 credentials and one year of industry experience. Prior to joining First Command, she held roles at Victoria's Secret & Co. and served in the Oklahoma National Guard for eight years. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a 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 manage model portfolios and select third-party managers.

Thomas Karsten is a CFP® with 33 years of industry experience, currently serving as a financial advisor at Cerity Partners LLC since 2019. His prior roles include positions at BD4RIA, Inc., Triad Advisors Inc., Karsten Advisors, Karsten Financial Services LP, and Avantax Advisory Services. Outside of his advisory duties, he is involved in managing family-related real estate investment entities. Cerity Partners advises a wide range of clients, including individuals, families, trusts, business entities, and institutional investors, managing approximately $166.2 billion in client assets as of December 2025. The firm employs a client-specific investment framework that integrates quantitative screening, manager selection, and access to alternative and private market solutions through affiliated businesses.

Daniel Brown is a financial advisor at First Command Advisory Services with seven years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. from 2017 to 2025. 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, using a centralized Investment Management Team to design and manage model portfolios and third-party managers.

Joan Alexandre is a financial advisor at Kestra Advisory with 13 years of industry experience. He holds the Series 66 designation and has previously worked at firms including Avantax Investment Services, 1st Global Advisors, and UBS Financial Services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, and employee education, and manages approximately $79.8 billion in assets with a focus on serving large institutional investors.

Yuanxi Su is a financial advisor at Schwab Wealth Advisory, Inc. with seven years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab & Co., Inc. since 2018 and Montana West Inc. from 2016 to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s advice is based on Schwab’s asset-allocation models and research tools, with recommendations tailored to client goals and risk tolerance.

Scott Neuendorf is a CFA® charterholder with 18 years of industry experience. He has worked at Luther King Capital Management Corporation since 2013 and spent five years at Hester Capital Management, L.L.C. prior to that. Neuendorf is based in Fort Worth, TX. Luther King Capital Management Corporation advises a range of institutional and individual clients, including trusts, foundations, pension plans, government entities, and private investment partnerships. The firm employs fundamental, bottom-up analysis across various equity and fixed income strategies and manages mutual funds, separately managed accounts, and private investment vehicles.

George Robinson is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior experience includes roles at Nationwide Securities, Inc., Nationwide Financial Network, LPL Financial, and First Command Brokerage Services. Outside of financial advising, he owns and operates Shadowbox Photo Booth, a photo booth rental business. First Command Advisory Services serves individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, managing portfolios through a centralized Investment Management Team and Wealth Portfolio Managers who select from prescreened managers and model portfolios.

Rachel Hallowell is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. She has worked primarily within various First Command entities since 1999, with brief tenures at Murdock Banner Financial Group and Cetera Advisors LLC. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs using model portfolios managed centrally by an Investment Management Team and Wealth Portfolio Managers.