New York City, NY East 79th Street Office

Michael Montenegro is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, Charles Schwab, South Wake Capital, and Cengage Group. Prior to his finance career, he spent ten years in full-time education. 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 affiliated discretionary separately managed accounts, using multi-asset model portfolios and an established due diligence process for alternative investments.

Nicholas Santisteban is a financial advisor at Charles Schwab with six years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB and Charles Schwab since 2019, with prior experience at Bank of New York Mellon, Captel, Inc., and the University of Central Florida. 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 affiliated discretionary separate managed accounts, supported by a multi-asset model portfolio approach and a centralized operational structure.

Michael Devito is a financial advisor with Charles Schwab in New York City, holding Series 63 and Series 66 credentials and 11 years of industry experience. His prior work includes roles at JPMorgan Chase Bank and JP Morgan Securities LLC from 2016 to 2018. He has been with Charles Schwab and its affiliated entities since 2018. 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. The firm offers a combination of non-discretionary and discretionary investment management with multi-asset model portfolios, centralized operational support, and access to alternative investments.

Jordan Mckissick is a financial advisor at Charles Schwab with five years of industry experience and holds a Series 66 designation. His prior experience includes roles at Fidelity Investments, Morgan Stanley, and E*TRADE. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and a formal alternative-investment process.

Luke Derfus is a financial advisor at Charles Schwab in New York City with seven years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Charles Schwab and Charles Schwab Bank since 2018. Prior to that, he worked at Allcat Claims Services and was affiliated with Texas State University. 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 affiliated discretionary separately managed accounts and offers a range of investment guidance supported by multi-asset model portfolios and due diligence on alternative investments.

Cenk Kozulcali is a financial advisor with Charles Schwab in New York City, holding the CFP® designation along with Series 63 and Series 66 licenses. He has 18 years of industry experience and has worked at Charles Schwab Bank and Charles Schwab since 2018, with prior roles at Fidelity Personal and Workplace Advisors and FIDELITY Brokerage Services LLC. 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, offering a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts.

Samuel Neri is a financial advisor with Charles Schwab in New York City, holding a Series 66 designation and beginning his advisory career in 2025. His prior experience includes roles at Broadway National and the Center of Excellence in Weather & Climate Analytic, as well as periods focused on full-time education. 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 SMA portfolios, supported by a centralized operational structure and investment guidance based on multi-asset model portfolios.

John Bowen is a Series 66 licensed financial advisor at Charles Schwab in New York City with experience beginning in 2024. His prior work includes roles at Copy & Art, Performance Property Services LLC, and Seavent Investment Group, along with several years in full-time education. 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 advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Nathan Joubert is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Morgan Stanley, E*Trade, and Laidlaw & Company. 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’s investment approach includes both non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.