Advisor at Merrill
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Jovanna Mukaddes is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over 20 years of experience in the financial services industry. Since joining Merrill in 2005, she has focused on understanding the unique needs of high-net-worth individuals, families, and businesses. Jovanna offers personalized attention and develops disciplined, customized financial strategies that address a broad range of goals including asset allocation, education funding, retirement planning, tax minimization, and estate planning. She leverages the investment insights of Merrill alongside the banking and lending solutions of Bank of America to provide comprehensive wealth management services.
Jovanna’s client expertise includes family wealth management, services for endowments, foundations and non-profits, managing new wealth, personal retirement planning, portfolio management, small business strategies, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income planning. She emphasizes a collaborative approach that focuses on understanding clients’ life priorities and designing flexible strategies aligned with their goals and aspirations. Jovanna applies a disciplined, emotion-aware methodology especially suited to navigating uncertain market conditions, aiming to create opportunities for favorable financial outcomes.
She holds a bachelor's degree from Stanislaus State University and has earned professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Jovanna is actively involved in her community, volunteering with organizations such as United Way, and participates in professional groups like United Way Power of the Purse and the Professional Women's Group. Outside of work, she enjoys activities including billiards, bowling, dancing, fishing, hiking, music, reading, soccer, swimming, and spending time with her family.
Bank Of America, N.a.
2016 - Present (10 years)
Merrill Lynch, PIERCE, FENNER & SMITH INCORPORATED
2007 - Present (19 years)
Series 63, Series 66
Turlock, CA
Edward Jones
Series 66
Modesto, CA
Edward Jones
Series 63, Series 66
Modesto, CA
Edward Jones
Series 66
Manteca, CA
Edward Jones
Series 63, Series 65
Modesto, CA
Merrill
Patricia Arredondo Chavez is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in banking, municipal finance, and retirement planning. She works directly with clients to develop personalized wealth management strategies that align with their life goals, offering access to Merrill’s portfolio management services and Bank of America’s credit and lending solutions. Her client focus areas include college education planning, personal retirement planning, managing new wealth, liquidity management, small business strategies, women and wealth, retirement income, and education planning. Patricia holds a Bachelor's Degree from the University of Phoenix and has earned professional designations as an Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). Fluent in both English and Spanish, she tailors her approach to meet individual client needs, adjusting strategies for life changes and preferences in communication. She is also involved in the community, volunteering to provide financial education to children through Bank of America’s Better Money Habits program and supporting efforts to end childhood hunger with Feed the Children. Patricia enjoys cooking, gardening, spending time with her family, and participating in cultural activities such as those offered by the Gallo Center for the Arts.
Series 63, Series 65
Modesto, CA
Merrill
B Gill is a Senior Vice President, Wealth Management Advisor, and Portfolio Manager with Merrill Lynch Wealth Management. Since joining Merrill in 1995, B Gill has provided clients with comprehensive financial planning services, including retirement planning, college education planning, retirement income strategies, life insurance analysis, wealth preservation, and lifetime income management. Working closely with Bank of America specialists, B Gill integrates investment insights and banking convenience to develop personalized wealth management solutions that reflect clients’ risk tolerance, time horizon, liquidity needs, and overall goals. B Gill holds multiple professional credentials, including the Retirement Accredited Financial Advisor (RAFA) designation, Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA®), and Personal Investment Advisor (PIA). B Gill earned a bachelor’s degree from Michigan State University and is fluent in English and Punjabi. Outside of professional commitments, B Gill’s personal interests include baseball, golfing, and tennis. B Gill emphasizes accessibility and a client-centered approach, aiming to build strong relationships and help clients make important financial decisions with confidence.
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