Boerne, TX Office

Keith Morales is a CFP® professional with 18 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. He has held roles at Charles Schwab and its affiliated entities since 2020 and previously worked at USAA Investment Management Company and USAA Financial Planning Services for over a decade. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using asset allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance. The firm executes trades only with client authorization and primarily recommends separately managed accounts.

David Zuniga is a CFP® with 27 years of experience in financial advisory services. He is currently with Schwab Wealth Advisory, where he has worked since 2025, and has held various roles at Charles Schwab & Co., Inc. and USAA-affiliated companies over the past two decades. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referral clients. The firm’s approach includes guidance on asset allocation and investment selection, relying on Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Michelle Easton is a financial advisor with Schwab Wealth Advisory, Inc. She holds the CFP® and ChFC® designations and has 26 years of industry experience. Her career includes roles at Schwab Wealth Advisory, Charles Schwab & Co., and USAA. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and research tools.