Cupertino, CA Office

Joseph Runyan is a financial advisor at Charles Schwab in Cupertino, CA, with seven years of industry experience. His prior roles include positions at TD Ameritrade, J.P. Morgan Securities, and JPMorgan Chase Bank. He holds Series 63 and Series 66 licenses. 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 options, supported by multi-asset model portfolios, alternative investment due diligence, and integrated brokerage, custody, and advisory services.

William Wang is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2014. Outside of his advisory role, he owns and operates an automotive repair business focused on building and restoring cars. 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 supported by research and a multi-asset portfolio approach.

Bela Palfalvi is a financial advisor with Charles Schwab in Cupertino, CA, holding the Series 63 designation and bringing 32 years of industry experience. He has been affiliated with Charles Schwab since 1993 and worked at TD Ameritrade from 2021 to 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, combining advisory, brokerage, custody, and financial planning services. The firm offers a hybrid client relationship model with both non-discretionary advice and access to discretionary separately managed accounts.

Xinyao Wang is a financial advisor at Charles Schwab with six years of industry experience. His background includes roles at JPMorgan Chase Bank and JPMorgan Securities, along with earlier experience outside finance as an auctioneer and working in the restaurant industry. Charles Schwab 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 relationships with access to affiliated discretionary separately managed accounts, and offers multi-asset model portfolios alongside centralized custody and order-routing services.

Gary Cornford is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Charles Schwab since 2000 and Charles Schwab Bank, SSB since 2005. 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 guidance, utilizing multi-asset model portfolios and alternative investments, supported by a large-scale, integrated operational structure.

Wei Hua is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2014. 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 related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a range of multi-asset model portfolios and alternative investment options.

Xiaoyi Tang is a financial advisor at Charles Schwab with CFA® designation and Series 65 and 63 licenses. Tang's prior experience includes eight years at E Fund Management Co. Ltd. from 2016 to 2024. Tang began at Charles Schwab in 2025 and is based in Cupertino, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment options alongside integrated brokerage and custody services. The firm’s scale and integrated model provide clients access to multi-asset portfolios and alternative investment due diligence across a large client base.

Mary Lai is a CFP® with 29 years of industry experience, currently serving at Charles Schwab in Cupertino, CA. She has been with Charles Schwab since 1997 and has worked at Charles Schwab Bank since 2005. Outside of her advisory role, she acts as trustee for a family trust overseeing several rental properties. 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 non-discretionary client advisory with access to affiliated discretionary separately managed accounts and conducts due diligence on alternative investments through its Schwab Center for Financial Research.

Shu Ming Chu is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Charles Schwab since 1997. Outside of his advisory role, he owns a residential property in Santa Clara, California. 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 discretionary separately managed accounts, offering investment guidance via multi-asset model portfolios and due diligence on alternative investments.

Susan Tzu Ling Chen is a financial advisor at Charles Schwab with 26 years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at TD Ameritrade Investment Management, LLC and TD Ameritrade, Inc. 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, delivering multi-asset model portfolios supported by in-house research and alternative investment due diligence.

Phoebe Zhang is a financial advisor at Charles Schwab with a Series 66 license and experience working at Charles Schwab and Charles Schwab Bank since 2024. Prior to entering the financial industry, she held positions at Guardant Health, CVS Pharmacy, and in education. Charles Schwab serves a large client base primarily consisting 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 offers both non-discretionary and discretionary investment options, combining strategic asset allocation with access to alternative investments and centralized operational support.

Hannah Han is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2018, with prior experience at HSBC Bank USA and Wells Fargo Bank. 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 offers a combination of non-discretionary guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and alternative investment options.

Aiyun Zong is a financial advisor at Charles Schwab with 28 years of industry experience. She holds a Series 63 designation and has been with Charles Schwab and Charles Schwab Bank since 1997 and 2005, respectively. Outside of her advisory role, she is a co-owner of a property management company in Elk Grove, California. Charles Schwab serves a large base of primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Kuanyee Lee is a financial advisor at Charles Schwab with Series 66 credentials and two years of industry experience. Prior to her current role, she held positions in music education and youth orchestras. 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 services, offering both non-discretionary investment guidance and access to discretionary separately managed accounts.

Yihua Xie is a financial advisor at Charles Schwab with four years of industry experience and holds a Series 66 designation. Prior to joining Schwab in 2025, Xie worked at Merrill Lynch for six years and at Glory Global Trade & Investment Inc for four years. Outside of advising, Xie provides in-home service support to care for a family member. Charles Schwab & Co., Inc. serves a large client base 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separate managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.