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.

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.

Leonard Jalli is a Wealth Management Advisor with Merrill Lynch Wealth Management in Modesto, California. He co-founded the Jalli/Seibold Group alongside his partner, Judy Seibold, leading a team supported by four client associates. The group provides wealth management services to high-net-worth families, pensions, trusts, and endowments nationwide. Leonard also offers strategic financial guidance to Fortune 500 quick service restaurant owners and operators, utilizing resources from Merrill Lynch and Bank of America to assist with credit solutions, cash management, retirement planning, and exit strategies. Beginning his financial services career at Merrill in 1993, Leonard formed a team with his father in 1998 and has since developed a consultative approach that integrates all aspects of clients’ financial lives. With their permission, he collaborates with other trusted advisors, such as CPAs and attorneys, to deliver coordinated strategies. Leonard focuses on accountability and proactiveness in all market cycles, emphasizing disciplined long-term planning to mitigate emotionally driven decisions. Leonard earned a Bachelor’s degree in business from California State University, Sacramento. He holds the Certified Investment Management Analyst® (CIMA®) and Chartered Retirement Planning Counselor™ (CRPC™) designations. Residing in Modesto with his wife, Michele, and their fraternal twins, he maintains an active lifestyle through cycling and skiing. Leonard is a longtime Rotarian with the Downtown Modesto Rotary Club and has served three terms as chair of the United Way of Stanislaus County. He also supports the American Heart Association.

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.

Michael Joseph is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Special Needs Team. Based in Modesto, he serves clients in the Greater Sacramento area and throughout Northern California. Michael applies over 10 years of experience to provide individualized financial guidance, working closely with business owners, professional fiduciaries, trust attorneys, and non-profit organizations to help them navigate complex financial landscapes and pursue their long-term goals. He holds the Chartered Retirement Planning Counselor™ (CRPC™) certification and the Personal Investment Advisor (PIA) designation. Michael earned a Bachelor's degree with a double concentration in operations and finance from California State University, Stanislaus. His expertise includes retirement planning, portfolio management, special needs planning strategies, services for endowments and non-profits, and retirement income planning. Michael and his team were recognized on Forbes' "Best-in-State Wealth Management Teams" list for 2023 and 2024. Outside of his professional role, Michael is involved with local community organizations, including his local church and the Salvation Army. He enjoys boating, camping, golfing, and skiing, and values balancing his career with personal interests and family life.

Seth Hammerbeck is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their financial priorities and develop strategies aimed at pursuing their short-, mid-, and long-term goals. He provides guidance on areas including general investing, retirement planning, and saving for unexpected events. Additionally, Seth can connect clients with Bank of America specialists for banking, credit, home financing, and small business solutions. Seth holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. He earned his bachelor's degree from the California State University System. Through ongoing advice and support, he assists clients as their financial needs evolve over time.