# Charles Schwab

> Charles Schwab is a fee-only financial advisor at Define Financial in San Diego, California, who holds the CFP credential. Define Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/charles-schwab/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Define Financial
- **Based in:** San Diego, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $314.6M across 588 accounts
- **Credentials:** CFP
- **CRD:** 7116887 (https://adviserinfo.sec.gov/individual/summary/7116887)
- **SEC registration:** Investment adviser representative in CA
- **Firm size:** 7 employees
- **Disclosures:** None reported
- **Website:** https://youstaywealthy.com/

## Frequently asked questions

### Is Charles Schwab a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Charles holds no broker registration, and Define Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Charles charge for financial advice?

Charles's firm, Define Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Charles Schwab based?

Charles Schwab is based in San Diego, California.

### What credentials does Charles Schwab hold?

Charles Schwab holds the CFP credential.

### Is Charles Schwab registered with the SEC?

Yes. Charles Schwab is registered as an investment adviser representative in CA (CRD 7116887), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Define Financial manage?

Define Financial reports $314.6M across 588 accounts in assets under management.

### How do I contact Charles Schwab?

Through Charles's website, youstaywealthy.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7116887): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.