San Diego, CA Office
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Schwab Wealth Advisory
Enterprise
Firm-wide stats for Schwab Wealth Advisory
About
Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain CS&Co.-referred clients, providing non‑discretionary fiduciary investment advice, financial planning, and point‑in‑time wealth management consultations. Its services include guidance on asset allocation and investment selection — including mutual funds, ETFs, SMAs, and alternative investments — while trades are executed only with client authorization.
The firm’s advice is driven by Charles Schwab & Co.’s standard asset‑allocation models and internal research tools (including Schwab Equity Ratings®), with at‑least‑annual reviews and recommendations tailored to each client’s stated goals and risk tolerance. SWAI does not exercise discretionary trading authority, does not monitor accounts continuously between reviews, and typically recommends separately managed accounts that are managed and traded by third‑party or affiliated money managers.
Noteworthy aspects of SWAI’s structure include that it is compensated by Charles Schwab & Co. rather than billing clients directly, and that it is affiliated with a registered futures merchant (Charles Schwab Futures and Forex LLC), an affiliation that is uncommon among large advisory firms. Its large scale — including over $218 billion enrolled in the SWA Program as disclosed — combined with dual‑registered SWAI Associates, frequent use of affiliated funds and platform arrangements, and formal compliance measures (including annual independent audits and supervisory programs) creates distinct conflict‑of‑interest considerations and operational practices compared with many peers.
Based on Schwab Wealth Advisory
Expertise
Based on Schwab Wealth Advisory
Location
San Diego CA
Advisors at this office
4
Advisors at this office
Vincent Z
CFP®, Series 63, Series 65, Series 66
San Diego, CA
Schwab Wealth Advisory
Vincent Zupo is a CFP® professional with 20 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc. He has previously worked at GW&K Investment Management, AlphaCore Wealth Advisory, Sage Rhino Capital LLC, Bradford & Marzec, LLC, and Amundi Pioneer Institutional Asset Management, Inc. Zupo serves as a member of the City of El Segundo Investment Advisory Committee, supporting the city’s investment decisions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on proprietary asset-allocation models and research tools, with investment selection requiring client approval and regular reviews tailored to individual goals and risk tolerance.
Sandra F
Series 63, Series 66
San Diego, CA
Schwab Wealth Advisory
Sandra Franklin is a financial advisor at Schwab Wealth Advisory with 32 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Schwab Wealth Advisory since 2026, following roles at Charles Schwab & Co., Inc., TD Ameritrade, and Advisors Asset Management, Inc. Sandra serves on the board of the LSU Alumni San Diego Chapter. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, employing asset-allocation models and internal research tools to tailor recommendations based on individual goals and risk tolerance.
Alice R
CFP®, Series 66
San Diego, CA
Schwab Wealth Advisory
Alice Ruiz is a CFP® with 17 years of industry experience, currently affiliated with Schwab Wealth Advisory. Her prior work includes roles at Fidelity Investments, JP Morgan Securities LLC, Wells Fargo Advisors, Merrill, and Banc of America Investment Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referred clients. The firm’s guidance is based on standard asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.
Patrick R
CFA®, Series 63, Series 65
San Diego, CA
Schwab Wealth Advisory
Patrick Ru is a CFA® charterholder with 21 years of industry experience. He currently works at Schwab Wealth Advisory and has prior experience with Neuberger Berman, JPMorgan Securities LLC, and JPMorgan Chase Bank NA. He holds ownership interests in investment entities related to his former employer, Neuberger Berman, though he is not active in those businesses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and selected Charles Schwab & Co.-referred clients. The firm’s advice is guided by proprietary asset-allocation models and research tools, with investment decisions executed only upon client authorization.
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