Boerne, TX Office

Julian Diaz is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 12 years of industry experience. He previously worked at USAA Investment Management Company and USAA Financial Planning Services. Outside of his advisory role, he manages a rental property. Charles Schwab 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 affiliated discretionary separately managed accounts and employs a multi-asset model portfolio investment approach.

Raymond Ramos is a financial advisor at Charles Schwab with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Charles Schwab & Co., USAA, and JP Morgan Securities. Ramos is based in Boerne, Texas. 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 multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Keith Morales is a CFP® professional with 18 years of experience in financial advisory and planning. He has worked with Charles Schwab since 2020 and previously held positions at USAA Investment Management Company and USAA Financial Planning Services. He is based in Boerne, TX. 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. Schwab offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from its Center for Financial Research.

Jeffrey Strain is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and 14 years of industry experience. He has worked at Charles Schwab since 2011, including roles at TD Ameritrade prior to its acquisition. Outside of finance, he occasionally performs as a musician, including playing with his church's worship band. Charles Schwab serves a broad client base, primarily high- and ultra-high-net-worth individuals, offering integrated wealth advisory, brokerage, and custody services through its wrap fee programs and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized operational infrastructure.

Pete Hernandez Jr. is a financial advisor with Charles Schwab based in Boerne, TX, holding Series 63 and Series 66 licenses and possessing 16 years of industry experience. His prior experience includes roles at USAA Investment Management Company and USAA Financial Planning Services, as well as a position at eBay. 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, employing multi-asset model portfolios supported by in-house research and a formal alternative-investment platform.