Michael Carizzi

Joshua is a Tenured Professor of Business who works with people across the country on their finances. He has over 20 years of financial services experience including as a credit union executive and a partner in an independent tech stock research firm during the late 90s. Joshua has been quoted in Forbes, Consumer Reports, CNBC, US News & World Report, and many other media. Joshua works with all types of people, but he does specialize in helping people navigate two of the great adventures in life: growing a business and building a family. Through comprehensive financial planning, he guides business owners, young professionals, and other clients toward living their great life, both now and in the future. From Joshua: ------------------ I believe financial planning should be a profession rather than an industry - that advisors should act more like doctors than car salesmen. When you go to a doctor, you expect the best diagnosis for your health, not to be sold a product. The same should be true of your financial planner. Before I began my journey to becoming a financial advisor, I wanted to make sure I would be entering a profession. Teaching is a profession because it is dedicated to improving the lives of the students, not enriching the professors. Sadly, what I saw in much of financial planning was an industry that created products and hired sales representatives to push the products. But I also saw a noble version of financial planning as a service profession where a trusted advisor helped guide clients toward their life goals. I take an integrated approach that considers your entire financial picture. Planning goes beyond investments and retirement to incorporate cash flow analysis, tax planning, risk management, business advising, career development, debt management, estate planning, and more. I view money as a tool to help you achieve your great life, both now and in the future. I begin by understanding your life goals and then develop your plan to help you achieve them. Every plan and every recommendation is designed with one goal in mind: to get you to your goals.

Allan Adriatico is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with everyday families and businesses to develop financial strategies tailored to their unique needs, goals, and risk tolerance. Allan provides investment planning and wealth management services focused on building, preserving, and transitioning assets through collaborative client relationships. His areas of expertise include college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and small business strategies. Allan begins each client engagement by defining and prioritizing financial goals across multiple dimensions such as healthcare, housing, family care, leisure, giving, work, and overall financial objectives. Allan holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a High School Diploma from Martin Luther King High School and an Associate's Degree from Riverside City College. Outside of his professional role, Allan enjoys spending time with his wife and three children, traveling, exploring new food venues like coffee shops, and coaching basketball for local schools and youth sports teams.

Andrew Matus is an Investment Consultant who focuses on creating financial road maps that align with the goals of his clients and their families. He has held roles including Relationship Manager and Financial Representative at Fidelity Investments from 2022 to 2025, and Financial Planner at Northwestern Mutual in 2022. Andrew holds a California Insurance License. Outside of his professional work, he has interests in baseball, the beach, comedy, fishing, fitness, and food.