- Independent advisors like you continue to be the driving force behind the financial industry evolution. Today, challenging the status quo and staying one step ahead, while making a meaningful impact is more important than ever. In order to propel your firm forward, you'll need a disciplined strategy and a very clear focus on what your clients value most. At Schwab we are committed to making sure firms of all sizes have the support they need to maximize growth. That's why I am so proud to be part of the business consulting and education team. We've been working with independent advisory firms for more than 20 years, leveraging our deep expertise in core business issues to help advisors gain competitive advantage. And our virtual practice management programs do just that. They empower you to grow your business and achieve your strategic goals. You'll receive guidance from our experts, accompanied by self-paced learning. We know that what's most important for you depends on your vision for your firm, so our virtual practice management programs allow you to focus on the topics that matter the most to you. And our approach optimizes your time by providing the right balance of direction and actionable tools, leveraging best practices from our Schwab experts and from some of the fastest-growing firms in the industry. Our work together helps you master critical concepts, prioritize next steps, and implement lasting change within your firm. I hope you'll take advantage of our virtual practice management offer. We look forward to helping you elevate your firm to new levels of success.