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.

Collin Saydah is a Financial Services Advisor (FSA) with Merrill Lynch Wealth Management. He focuses on connecting clients to the people, plans, and processes that align with their individual ambitions and financial goals. Collin works with clients to address objectives such as funding education, preparing for retirement and potential health care expenses, and developing personalized long-term financial strategies. He holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Washington. Collin’s approach emphasizes understanding clients’ personal perspectives and priorities to create clear and transparent financial plans aimed at helping them manage their wealth effectively.

Daniel Valenzuela is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2010. He advises high net worth clients and business owners on wealth accumulation, preservation, and transfer, developing individually customized wealth management strategies that consider clients’ risk tolerance, time horizon, liquidity needs, and investment goals. Daniel leads a team that supports portfolio development, retirement and estate planning, tax minimization, liability management, and asset preservation, providing a comprehensive approach to client financial needs. Daniel holds a bachelor's degree from the University of Southern California's Marshall School of Business and has earned multiple professional designations, including Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He takes time to understand each client’s unique objectives to recommend strategies that utilize the resources and capabilities available through Merrill Lynch Wealth Management and approved third-party managers. Born and raised in Southern California, Daniel currently resides in Monrovia, CA. Outside of his professional role, his personal interests include adventure sports, basketball, camping, cooking, golfing, horseback riding, soccer, surfing, traveling, and spending time with his family.

Vivian Lo is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2020. She has worked in the financial services industry since 2008, with prior roles including Financial Advisor at Merrill Lynch from 2014 to 2020 and Financial Planner at the Royal Bank of Canada from 2008 to 2013. Vivian focuses on building trusting client relationships and sharing key financial planning concepts. She assists clients in managing changes and provides ongoing guidance to develop personalized financial plans. She holds a California Insurance License.

Frode Teigen is a Financial Advisor with the Ma Teigen Group at Merrill Lynch Wealth Management. In this role, he contributes to client success by applying his analytical skills and expertise in data analysis to design customized wealth management plans. He focuses on gathering relevant data, modeling scenarios, clarifying client priorities, and identifying actionable steps to help clients visualize and achieve their long-term financial goals. Before joining Merrill in 2021, Frode worked for decades in the information technology sector and was involved as a venture capital investor in tech start-ups. He holds a Master of Science degree (M.Sc.) from the Norwegian University of Science and Technology. Frode also serves as a team leader within the Ma Teigen Group by overseeing operations, enabling team members to maintain close client relationships while fostering a high-touch service culture. Frode is a Personal Investment Advisor (PIA) and communicates fluently in English, Norwegian, Swedish, and French. Outside of his professional commitments, he enjoys spending time with his family, exploring hiking trails in Pasadena, California, and traveling.

Julio Gonzalez is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Financial Consultant at Fidelity Investments from 2022 to 2025. He began his financial services career at Merrill Lynch, where he was a Financial Wellness Specialist from 2015 to 2022, and before that, a Financial Solutions Advisor at Merrill Edge from 2012 to 2015. Julio holds a California Insurance License, supporting his work in developing customized financial plans and strategies tailored to both short- and long-term client goals. His approach emphasizes building strong business relationships to positively impact clients' financial futures. Outside of his professional work, Julio enjoys board games, fitness, hiking, movies, puzzles, and parenthood.

Alexander Miller is a Planning Consultant at Fidelity Investments, where he partners with clients to help them work towards their financial goals. He collaborates with each client individually to create plans tailored to their specific financial needs. He has been with Fidelity Investments since 2021, progressing from Central Relationship Manager to Relationship Manager before assuming his current role as Planning Consultant in 2023. Prior to joining Fidelity, he was a Registered Associate at Turczan Investment Consulting Group from 2020 to 2022. Alexander holds a California Insurance License. Outside of his professional work, he enjoys spending time at the beach, fitness activities, social events with friends, hiking, movies, and music.

Wen Lee is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with individuals, families, and business owners across various stages of the business cycle. Wen focuses on carefully understanding each client’s financial situation, preferences, and goals to develop tailored financial solutions. His approach considers factors such as risk tolerance, time horizon, liquidity needs, investment objectives, and associated costs. Wen also collaborates with clients' trusted professionals, including attorneys, accountants, and tax specialists, to implement customized strategies. Wen holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma from Ulysses Grant High. Outside of his professional role, he enjoys golfing with friends and clients. Wen is committed to building strong relationships and supporting clients in making significant financial decisions.

Mason Bryant is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving individuals and couples in Southern California. Since joining Merrill in 2019, Mason has focused on assisting clients with wealth building, education funding, home purchasing, and retirement planning. He emphasizes personalized financial strategies tailored to each client’s unique needs and goals, incorporating diversified investment portfolios and coordinating with CPAs and attorneys to optimize tax efficiency and estate planning. Mason draws on his background as a scholar-athlete, having led his high school football team to three consecutive CIF championships and contributing to Ivy League football championships at the University of Pennsylvania in 2015 and 2016. He holds a bachelor’s degree from the University of Pennsylvania and the Personal Investment Advisor (PIA) designation. Mason’s approach to financial advising is informed by lessons in teamwork and execution learned through sports, which he applies in close collaboration with his internal support team at Merrill and Bank of America. Beyond his professional work, Mason is actively involved in community and professional organizations including the Black Professional Group at Bank of America, the Penn Club of Los Angeles—where he serves as president—and the San Gabriel Valley Chapter of the National Football Foundation. He participates in church activities and volunteers with local organizations, prioritizing mentorship and support for student-athletes and community members.

Alexi Papadopoulos is a Planning Consultant at Fidelity Investments. In this role, Alexi provides clients with clear and transparent guidance to support their long-term financial decisions. Alexi's approach focuses on understanding each client's unique financial journey and prioritizing their interests to deliver honest insight and thoughtful planning, particularly in retirement planning. Alexi's professional experience at Fidelity Investments includes serving as a Financial Representative from 2024 to 2025, then as a Relationship Manager in 2025, before becoming a Planning Consultant in 2025. This progression reflects a breadth of experience in client relationship management and financial planning within the firm.