Stephen Newell is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. He has worked at Charles Schwab since 1998 and has been with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab's asset allocation models and research tools, with clients retaining final trading decisions.

Shanna Grech is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. She holds the Series 65 and Series 63 licenses and has worked at Charles Schwab, USAA Financial Services, and Juice Plus. Outside of her advisory role, she is involved in managing a rental property in Glendale, Arizona. 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 based on Charles Schwab’s research tools and asset allocation models.

Anique Hyden is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has worked at Schwab Private Client Investment Advisory, Inc. since 2018 and was previously with Charles Schwab from 2014 to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, 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 other enterprise wealth managers.

Casey Kleiner is a CFP® professional at Concurrent Investment Advisors, LLC with six years of industry experience. Prior to joining Concurrent, Casey worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc. He has also held roles outside of finance, including positions at Arizona State University and Scrapbook.com. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, supported by a network of approximately 286 advisors serving over 13,000 clients.

Muhammad Sobki is a financial advisor at T. Rowe Price Advisory Services, Inc. with 12 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones & Co., L.P. for 13 years. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which provides goals-based financial planning, retirement income planning, and discretionary investment management primarily to individual investors and households. The firm uses model allocations with T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations for retirement projections.

Angela Hawk is a CFP® professional with 25 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2012. She has been associated with Charles Schwab since 2000 and holds Series 63 and Series 66 licenses. Based in Phoenix, AZ, she primarily works within Schwab’s enterprise advisory framework. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and tailored investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, with a focus on client-directed investment decisions and annual account reviews.

Anton Halka is a financial advisor at Transamerica Financial Advisors with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Allstate Financial Advisors and Halka Insurance Services. His background also includes roles at Total Wine and More and experience in the travel industry. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors and employer-sponsored plans. The firm employs a model portfolio approach supported by third-party money managers and digital platforms, managing approximately $1.7 billion in regulatory assets.

Spencer Ellsworth is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to support client-driven investment decisions with regular financial reviews and planning.

Jon Coger is a financial advisor with Osaic Institutions, Inc. in Phoenix, AZ, holding a Series 66 designation and 13 years of industry experience. His prior work includes roles at Arizona Federal Credit Union, CUSO Financial Services, Bank of America, Merrill, and other financial firms. Osaic Institutions, Inc. serves individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm employs a hybrid adviser/broker-dealer structure and offers customized advisory services, financial planning, and access to alternative investments and lending solutions.

Ryan Schall is a financial advisor at Creative Planning with nine years of industry experience. He previously worked at Morgan Stanley for three years and The Vanguard Group for six years. Schall holds the Series 63 and Series 66 licenses and is based in Scottsdale, AZ. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm follows a financial-planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by tax-loss harvesting, individually managed portfolios, and selective private market investments.

Prithibi Chauhan is a financial advisor at Schwab Wealth Advisory with four years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Chauhan worked at Bank of America and Merrill from 2022 to 2025. Chauhan holds Series 63 and Series 66 credentials and is based in Phoenix, AZ. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within Charles Schwab and uses standard asset allocation models and Schwab research tools, while clients retain final trading decisions.

Matthew Underwood is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has been with Charles Schwab and its affiliated firms since 1999. Outside of his advisory work, he owns and manages an LLC based in Phoenix, Arizona. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a variety of asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and Schwab research tools while leaving final investment decisions to clients.

Nicholas Keyser is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for The Vanguard Group for seven years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select retail brokerage clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and client savings rates.

Olivia Starkey is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and one year of industry experience. Prior to joining Schwab Wealth Advisory, she held positions at Charles Schwab & Co., Inc., the City of Tempe, and Arizona State University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm offers financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Joseph Kroleski is a financial advisor at Kestra Advisory with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at multiple firms including Cambridge Investment Research, FinTron Advisors, and eToro USA Securities. Kroleski is also the owner of Exigo Consulting, a consulting business that is currently inactive while he is registered with another firm. Kestra Advisory provides investment advisory and retirement-plan consulting services to a diverse client base, including plan sponsors and institutional investors. The firm offers fiduciary consulting, plan design, investment advice, and access to multiple management platforms, serving clients ranging from individual investors to sovereign wealth funds.

Jeanine Borger is a financial advisor at Schwab Wealth Advisory with 15 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Schwab Wealth Advisory in 2022, she worked at The Vanguard Group from 2011 to 2022. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as 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.

John Ross is a financial advisor with Kestra Advisory who holds Series 63 and Series 65 credentials and has 31 years of industry experience. He has been with Kestra Advisory since 2016 and has a long tenure with Kestra Investment Services, LLC dating back to 2003. Ross co-owns National Investment Advisors, Inc., a registered representative business affiliated with Kestra. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including plan sponsors and institutional and individual investors. The firm offers a range of fiduciary services and access to multiple management platforms and third-party solutions, serving large institutional clients alongside retail investors.

Connor Weinman is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 designations and possessing 12 years of industry experience. His prior roles include positions at Morgan Stanley, Bank of America, and Merrill Lynch. Weinman is based in Chandler, Arizona. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm uses proprietary technology and third-party model portfolios to provide asset allocation and retirement planning guidance, focusing primarily on non-discretionary and managed portfolios for a broad client base.

Patrick Kilkenny is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. His background includes roles at Charles Schwab & Co., Inc., Wal-Mart, and various local businesses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations utilizing Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Thomas Travaglini is a CFP® professional with seven years of industry experience, currently serving at Schwab Wealth Advisory, Inc. He has worked at Schwab Wealth Advisory since 2022 and has been affiliated with Charles Schwab and Co., Inc. since 2019. Prior to his financial advisory career, he worked at Omni Montelucia Resort and Spa for three years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm conducts annual financial reviews and investment recommendations while leaving final trading decisions to clients.