Welcome to Coffeehouse Capital! I’m the Founder and President of Coffeehouse Capital, an independent fee-only financial planning and investment management firm. I’ve been in the banking and Wealth Management industry since 2007, first with Bank of America, Banc of America Investments, then Merrill Lynch. As a CFP® professional and fiduciary, I now provide comprehensive financial planning, wealth management and financial advice to a broader population. With years of experience, my mission is to help build and manage wealth through comprehensive financial planning and education. I have experience serving busy professionals and families, current and future retirees and business owners. I am a CERTIFIED FINANCIAL PLANNER™ professional and Chartered Retirement Planning CounselorSM. Chartered Retirement Planning CounselorSM I work with clients in person in the surrounding central California area or virtually anywhere through the use of technology. Areas of experience include: 529 College Education Planning Assessing and analyzing current financial and life goals Asset allocation review, education and strategies Cash flow and retirement planning Creating and managing GOALs based financial plans Creating and managing GOALs based investment portfolios Digital asset education Investment education Levering and coordinating with other professionals (CPAs, EAs, Estate Planning Attorney’s, Insurance, etc.) Loss of loved ones Ongoing financial plan and investment monitoring Organizing for Financial wellness Reviewing and managing 401(k), 457 (b)s and traditional retirement plans It all starts with a conversation, let's connect!

Portfolio Advisors Inc. is a locally owned financial planning firm with a rich history of over three decades, committed to "Enriching Lives Through Transformative Actions." We take pride in serving a diverse client base that includes retirees, individuals within 5-7 years of retiring, mid-level & C-suite professionals, and business owners. Key pain points that Tina and her team can help address include: - Reducing taxes - Decisions around Social Security, Medicare, pensions, etc. - Determining if one has enough to retire or saving enough to retire - Making the most of remaining working years - Delegation of management of personal finances - College planning - Family legacy planning A little more about Tina: Tina is a dedicated community servant and a member of several notable organizations, including the Craig School of Business Associates Board and the International Business Fraternity of Delta Sigma Pi. She also holds a position on the board for the Central California chapter of the Financial Planning Association and serves on the Finance Committee for Reading & Beyond. Tina is a graduate of Leadership Fresno, Class 29. She is happily married to her husband, Adam, and they have two children, Keshan and Meera. In her free time, she enjoys quality family moments, traveling, and playing tennis.

Keith Orsaba is a Financial Advisor with Merrill Lynch Wealth Management who partners with clients to develop personalized financial strategies tailored to their long-term goals. He focuses on a comprehensive understanding of each client’s financial picture, providing access to Merrill’s investment insights alongside banking and lending solutions from Bank of America. His client specialties include family wealth management, legacy and philanthropic planning, retirement income and personal retirement planning, managing new wealth, small business strategies, and tax minimization. Keith holds a Bachelor’s Degree from Fresno Pacific University and has earned professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). He draws on his background as a former firefighter and his personal values to build strong client relationships. Outside of his professional work, Keith is active in community volunteering and enjoys spending time outdoors with his family. His personal interests include baseball, basketball, football, hiking, fishing, camping, and table tennis.

Jaime Torres is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and the Personal Investment Advisor (PIA) credential. Jaime earned his Bachelor's Degree from the University of California System. He is bilingual in Spanish and English. Jaime specializes in areas including college education planning, corporate executive services, equity compensation services, family wealth management strategies, legacy planning, philanthropic planning, small business strategies, socially responsible and values-based investing, tax minimization, and retirement income. His approach centers on building long-term relationships by understanding the goals that matter most to his clients and their families, leveraging the resources and technology available through Merrill Lynch to deliver goals-based wealth management strategies. Beyond his professional role, Jaime is involved in community service through organizations such as the Peninsula YMCA and Ronald McDonald House Charities of San Diego. He enjoys personal interests including cooking, fishing, football, hiking, music, reading, soccer, spending time with his family, traveling, and watching movies.

Ryan Estes is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with clients to develop customized financial strategies aimed at growing and preserving wealth in alignment with their goals. With access to Merrill’s investment insights and the credit, lending, and banking services of Bank of America, Ryan provides tailored solutions that address clients’ diverse financial needs, including personal retirement planning, liquidity management, portfolio management services, and support for endowments, foundations, and non-profits. Ryan began his career at Merrill in 2002 after earning both a Bachelor’s degree in finance, graduating Summa Cum Laude, and a Master’s degree in business administration from the University of Alabama at Birmingham. He also holds the Chartered Financial Analyst® designation awarded by the CFA Institute and the Personal Investment Advisor (PIA) credential. Outside of his advisory role, Ryan runs an active sheep farm with his family in Sanger, California, and maintains a strong connection to the farming and business communities in the Central Valley. He is an active volunteer with 4H and Future Farmers of America (FFA) and enjoys football, horseback riding, and spending time with his wife Mona Lisa and their daughter Harlow.

James Trevino is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' financial situations and priorities to develop customized wealth management strategies that adapt to changing needs and market conditions. He provides clients with access to Merrill's investment insights and Bank of America's banking services to address various aspects of their financial lives. James specializes in areas including college education planning, family wealth management strategies, managing new wealth, portfolio management services, tax minimization, and retirement income. His approach involves listening carefully to clients to design and implement personalized plans aimed at pursuing financial goals while managing investment risk. He holds a Bachelor's Degree from Saint Mary's College of California and the Professional Investment Advisor (PIA) designation. Outside of work, James enjoys basketball, chess, football, golfing, music, reading, spending time with his family, and watching movies.

Phillip Brown is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 14 years of experience in helping clients achieve their financial goals and build lasting legacies. He holds the Senior Portfolio Advisor title within the Investment Advisory Program and has earned multiple professional designations, including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Raised by a single mother, Phillip's personal background has shaped his professional commitment to providing accessible and meaningful financial guidance. He focuses on a collaborative approach to understand clients' priorities, challenges, and aspirations, crafting personalized wealth management strategies aligned with their vision and values. His areas of expertise include divorce transition planning, legacy planning, LGBT wealth planning, managing new wealth, small business strategies, special needs planning, women and wealth, sports and entertainment, tax minimization, and retirement income. Beyond his advisory role, Phillip has a long history of community involvement as a football coach at several high schools and junior colleges, including Menlo-Atherton High School where he served as interim head coach and led the team to a CIF-CCS Large School Championship. Outside of work, he enjoys baseball, basketball, biking, cooking, football, gardening, golfing, music, spending time with family, and watching movies.

Melaney Friesen is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, and retirement income. Melaney's focus is on building worry-free retirement plans tailored to her clients' needs. She holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from the California State University System. Outside of her professional work, Melaney is actively involved in the community through "Our Community Cares." Her personal interests include antiquing, camping, gardening, genealogy, hiking, photography, reading, watching movies, woodworking, and writing. She also enjoys remodeling houses for low to middle income families.

Diana Kirkorian is a Senior Financial Advisor and Portfolio Advisor based in Fresno, California, serving as a partner of the Kirkorian Group at Merrill Lynch Wealth Management. Since beginning her financial services career in 2019, she has collaborated alongside her father in a team with over 45 years of combined experience. Together, they provide comprehensive wealth management services tailored to individual client goals, focusing on areas such as college education planning, managing new wealth, personal retirement planning, portfolio management, women and wealth, and retirement income. Diana earned her Bachelor’s degree from Santa Clara University and holds professional designations including Accredited Asset Management Specialist (AAMS), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Her approach is grounded in trust, transparency, and personalized guidance, helping clients create strategies that address both short-term and long-term financial objectives. She emphasizes delivering investment insights with access to Merrill and Bank of America resources, while drawing on a global network of specialists to support client needs. Beyond her professional work, Diana is involved in community activities, including creating Tennis Buddies and participating in the Food Recovery Network. She also engages in various personal interests such as boating, golfing, music, running, scuba diving, skiing, skydiving, spending time with family, tennis, and traveling. Her commitment to community involvement aligns with Merrill’s tradition of serving the communities where they work.