After 15+ years as a financial planner working for high net worth families and successful business owners, I decided to follow my dream of starting my own firm, to serve people like myself: ambitious, increasingly complex life, and curious to examine my relationship to money. A true high-touch concierge service to go beyond the numbers by understanding what you want from life and what motivates you. We specialize working with AAPI and underserved communities, to undercover your money story to get a deeper meaning of your values and priorities.

Tony T. Chan, CFP®, EA, was born in Hong Kong, China, and immigrated with his family to San Francisco, California, at the age of eight. After high school, he served six years in the Army Reserve as an Automatic Logistic Specialist. Following his acceptance into the ROTC program at California State University, Fullerton, Tony relocated to Orange County to continue his education. While balancing school and four part-time jobs, he recognized the value of personal financial planning and began attending the Financial Planning Association's quarterly meetings, where he first learned about the CFP® designation. Upon earning a Bachelor's Degree in Finance and a minor in Military Science from California State University, Fullerton, and receiving his commission through the university’s Army ROTC, Tony set his sights on becoming a Certified Financial Planner™ practitioner. He first obtained the Registered Paraplanner (SM) designation through the College of Financial Planning before achieving his goal. Today, Tony serves as a Fee-Only Financial Planner & Investment Adviser and holds the rank of 1st Lieutenant with the U.S. Army Reserve 326th Financial Management Center. With over fifteen years of experience in financial planning and tax services, Tony brings extensive expertise in advising clients across various income levels on comprehensive retirement plans, portfolio analysis, tax planning, debt and risk management, and estate planning. He is an active member of the Orange County Financial Planning Association and the National Association of Personal Financial Advisors. Tony has been honored with multiple awards and was a nominee for both the 2016 class of InvestmentNews 40 Under 40 and the 2018 class of CPA Practice Advisor 40 Under 40.

Michael Hulley is a Senior Vice President and the Senior Resident Director with Merrill in Brea, California. In his role, he works closely with multiple generations of client families, assisting them in making informed decisions to manage their wealth with greater purpose. He builds enduring relationships by guiding clients through significant life events, career changes, and retirement transitions. With over 30 years of experience at Merrill and prior experience at UBS, Michael brings extensive knowledge in areas such as integrated planning, tax-sensitive investing, wealth transfer, savings, cash flow management, and business succession planning. Michael holds a Bachelor’s degree in Finance and Investing from the University of Southern California and has served in leadership roles as Resident Director since 1991. He also holds the Personal Investment Advisor (PIA) designation. Beyond his advisory responsibilities, he mentors and supports a team of advisors and associates, promoting best practices and leveraging technology to enhance client service. Michael’s approach emphasizes problem-solving and attentive listening, aiming to provide clients with reassurance and clarity around complex financial matters. Outside of his professional life, Michael is involved in community organizations including Second Harvest food bank and the Salvation Army. He enjoys spending time with his family and friends, traveling, following a variety of sports, and is a Disney enthusiast.

Kyle Ergas is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to develop personalized financial strategies that align with their unique goals and priorities. Kyle’s approach is centered on understanding what matters most to each individual and family, allowing him to provide tailored guidance on wealth planning and investment management. His expertise includes a broad range of financial services such as general investing, retirement planning, and preparing for unexpected expenses. Kyle holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor’s degree from San Jose State University.

Chuck Ives is a Wealth Management Advisor based in Brea, California, leading a close-knit team of professionals dedicated to helping individuals, families, and businesses make informed decisions about their wealth. He focuses on delivering an exceptional client experience by recognizing each client’s unique priorities and aspirations. With over 25 years of experience, Chuck offers guidance particularly during significant life transitions such as retirement planning, business sales, home acquisitions, and managing family dynamics after the death of a loved one. His expertise includes college education planning, family wealth management, legacy planning, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income strategies. Chuck holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a master’s degree from Southern Methodist University and a bachelor’s degree from the University of Florida. Outside of his professional role, Chuck enjoys playing tennis and golf. Having grown up mostly abroad, he values meeting people from diverse cultures and exploring new travel destinations with his family.

Martha Cannady is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 35 years of experience in the financial services industry. She joined Merrill Lynch in 2008 after previously serving as Vice President and Assistant Branch Manager at Morgan Stanley's Long Beach Branch from 1995 to 2008. Martha specializes in family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. As a Portfolio Manager in the firm's Investment Advisory Program, she manages personalized and defined investment strategies to help clients pursue their financial objectives. Martha holds a bachelor's degree in Business Administration with an emphasis in Finance from California State University, Fullerton. She is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a Certified Plan Fiduciary Advisor (CPFA®), a Personal Investment Advisor (PIA), and a Retirement Accredited Financial Advisor (RAFA). Martha has also taught Successful Money Management classes at several community colleges and is a member of the National Association of Plan Advisors. Fluent in Spanish, Martha resides in Cypress, California, with her husband Bruce and has two daughters. She serves as an Executive Board Member of Alzheimer’s Orange County and a Board Member of the Orange County Hispanic Chamber of Commerce. Outside of her professional work, Martha enjoys cooking, skiing, hiking, traveling, golf, and yoga.

Christian Cruz is a Financial Advisor with Merrill Lynch Wealth Management, serving clients in Los Angeles and Orange County. He works closely with families led by business owners, executives, teachers, and other professionals to develop customized financial strategies. His services often include investment and retirement planning, liability management, debt consolidation, legacy planning, and tax minimization. Christian holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Accredited Wealth Management Advisor™ (AWMA™), and Chartered Retirement Planning Counselor™ (CRPC™). He earned a Bachelor of Business Administration degree from California State University, Los Angeles. Christian begins his client relationships by understanding their values, goals, and concerns and coordinates with CPAs and attorneys to align tax and estate strategies. He also integrates research and strategic guidance from his firm’s Chief Investment Office to help diversify portfolios. Raised in Southern California, Christian draws from his own experience of financial independence and early mentorship in the financial industry. He began his career at Washington Mutual in 2006 before joining Merrill Lynch. Outside of work, he holds a Black Belt in Brazilian Jiu-Jitsu and spends time with his wife Evelyn, their children Olivia and Enzo, and their dog Loki. Christian speaks English and Spanish.

Emily Chon is a Financial Advisor with Merrill Lynch Wealth Management. She brings over 17 years of experience in banking and wealth management, having progressed through various departments to develop a comprehensive understanding of clients' financial needs. Emily works closely with families and business owners to provide personalized financial strategies aimed at addressing goals such as generational wealth building, business growth, legacy planning, and retirement income. Her areas of expertise include family wealth management strategies, institutional investment consulting, legacy planning, personal retirement planning, portfolio management services, and individual and corporate investment strategy. Emily holds the Personal Investment Advisor (PIA) designation and earned her bachelor's degree from the California State University System. She is fluent in Mandarin, Chinese, Yue (Cantonese), and English. Outside of her professional work, Emily enjoys cooking, golfing, hiking, painting, spending time with her family, and traveling. Her approach focuses on simplifying complex financial decisions and providing clear action steps to help clients pursue their long-term goals with structure and strategy.