Keith Orsaba is a Senior Portfolio Advisor at Merrill Lynch Wealth Management. In his role, he works closely with business owners, high-earning professionals, and families to develop personalized financial strategies focused on tax-efficient investing, retirement income planning, and preparing for major financial transitions. He aims to help clients make informed and confident financial decisions by aligning investments and income needs with their long-term planning priorities. Keith's expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, small business strategies, tax minimization, and retirement income. He holds professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Fresno Pacific University. Beyond his professional work, Keith enjoys spending time with his family and engaging in outdoor activities such as hiking, fishing, camping, baseball, basketball, football, softball, hunting, and table tennis. He values his faith and has a background as a firefighter, which contributes to his connection to the outdoors and community.

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 at Merrill Lynch Wealth Management. He specializes in creating customized wealth management strategies that align with the unique needs and goals of his clients. His approach involves understanding clients' personal and financial situations to provide comprehensive financial guidance. James's expertise includes college education planning, family wealth management strategies, managing new wealth, portfolio management services, tax minimization, and retirement income planning. He integrates insights from Merrill and the banking services of Bank of America to address various aspects of clients' financial lives. James holds a Bachelor's Degree from Saint Mary's College of California and is a Personal Investment Advisor (PIA) with NMLS#2438550. Outside of his professional role, 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 more than 25 years of experience in the financial markets. He works closely with individuals, families, business owners, and retirees to develop comprehensive strategies aligned with their investments, retirement goals, business interests, and legacy aspirations. His expertise spans areas including divorce transition planning, legacy planning, LGBT wealth planning, small business strategies, special needs planning, tax minimization, and retirement income. Prior to his career in financial advising, Phillip began on the floor of the Pacific Options Exchange in San Francisco, advancing from runner to broker. He also has a background in coaching high school and junior college football, receiving recognition as PAL Coach of the Year in 2008. These experiences have influenced his approach to client relationships and financial planning. Phillip holds professional designations such as 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). He earned his High School Diploma from Saint Anthony High School. Outside of his professional work, Phillip enjoys spending time with his family, golfing, cycling, following various sports, and supporting community organizations in the Central Valley. He has previously served as a football coach at several high schools and colleges, including De Anza College, De Anza High School, Los Altos High School, Menlo-Atherton High School, and St. Ignatius High School.

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.

Joseph Rochez is an advisor at Merrill in Fresno, CA, holding Series 63 and Series 66 licenses. He has worked at Merrill and Bank of America since 2026 and has prior experience at Wells Fargo and in real estate from 2018 to 2025. Rochez also served in the United States Navy from 2013 to 2021. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutions.

Leonard Kirkorian is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has worked at Merrill Lynch since 2006 and concurrently at Bank of America since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Hokokian is a Senior Financial Advisor and Managing Director of the THD Wealth Management Group at Merrill Lynch Wealth Management. He holds the Certified Exit Planning Advisor® and Certified Plan Fiduciary Advisor® designations and serves as the team's Senior Portfolio Advisor. Christopher focuses on simplifying the wealth management and investment process to help relieve clients of daily financial burdens, believing that time is the most valuable asset and striving to provide clients with an opportunity for financial freedom. Christopher's expertise includes guiding private business owners through company and real estate sales, preparing clients for life transitions, and addressing issues such as inheritance, divorce, and wealth transfer. Known as the "advisor to the family," he undertakes detailed analyses to develop strategies aligned with family goals, covering investment assessments, cash flow planning, tax minimization, and intergenerational wealth transfer. He also incorporates behavioral coaching to assist families in sustaining their wealth across generations. His work has been recognized through inclusion in Forbes' "Top Next-Gen Wealth Advisors Best in State" list from 2022 to 2025. Christopher earned a Bachelor's degree in Business Administration with a focus on Finance from San Diego State University, where he was a Division 1 football player, lettered all four years, earned the Scholar-Athlete Award four times, made the Dean's List, and was part of a Mountain West Conference Championship team. Raised in Central Valley Fresno, California, he divides his time between West Los Angeles and San Diego. Outside of his professional career, Christopher is involved in philanthropic initiatives and has leadership roles in organizations such as the Armenian Artist Project and San Diego State Football. His memberships include the Financial Planning Association, Armenian Professionals of Orange County, and others. He enjoys football, golfing, music, running, spending time with family, and traveling.

Diana Kirkorian is a Senior Financial Advisor and Portfolio Advisor based in Fresno, California, and a partner of the Kirkorian Group at Merrill Lynch Wealth Management. She joined Merrill Lynch Wealth Management in February 2019 and works as part of a father-daughter team with a combined 45+ years of experience. Together, they provide comprehensive wealth management services, focusing on retirement planning, investment strategies, and personalized financial guidance tailored to clients' short-term and long-term goals. Diana holds a Bachelor's Degree from Santa Clara University and has earned professional designations including Accredited Asset Management Specialist (AAMS), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Her approach emphasizes trust, transparency, and delivering investment insights and banking solutions through Merrill Lynch and Bank of America to help clients navigate financial opportunities in changing markets. Beyond her professional work, Diana is involved in community activities including creating the organization Tennis Buddies and participating in the Food Recovery Network. Her personal interests include boating, golfing, music, running, scuba diving, skiing, skydiving, spending time with family, tennis, and traveling.

Miguel Padilla Placencia is a financial advisor at Merrill with 13 years of experience at the firm. He holds a Series 66 designation and is based in Fresno, CA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Michelle Standridge is a financial advisor with Merrill in Fresno, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Merrill since 1992. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, and institutional investors. The firm employs model-based and discretionary strategies constructed by internal and third-party managers, supporting clients with trading, account administration, and custody services.

Marty Mitts is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at Merrill since 1995 and has been with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Scott Moseley serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial advisory career with Merrill Lynch in 1998 after a 17-year tenure in broadcast management, where he was General Manager of two major Fresno radio stations. A native of Fresno, he earned a Bachelor of Science degree in Communications with an emphasis in Broadcasting from Pacific Union College in Angwin, California in 1975. Mr. Moseley’s investment philosophy is influenced by his extensive business management experience, focusing on achieving client financial goals while minimizing risk. His areas of expertise include custom financial strategies, goals-based wealth management, retirement income planning, IRA and 401(k) management, estate and wealth transfer, and coordination with clients’ CPAs and attorneys. He holds FINRA Series 7 and 65 registrations, California Life and Health licenses, and the Personal Investment Advisor (PIA) designation. His practice is supported by a seasoned assistant with over 24 years of experience at Merrill Lynch. In addition to his professional work, Mr. Moseley enjoys baseball, football, golfing, and spending time with his family. He emphasizes a personalized approach to financial planning, working closely with clients to develop strategies that address their long-term goals.

Peter Baumstark is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since 1990, he has provided financial and wealth management advice and services to individuals, affluent families, and businesses. His expertise includes portfolio asset allocation, investment management, retirement and wealth planning, as well as cash management and employer retirement plans for business clients. Peter approaches wealth management by thoroughly discussing each client's goals and expectations to set targeted objectives that can adapt to their changing needs. He works closely with clients' other trusted advisors, such as attorneys and accountants, to address tax, trust, philanthropic, and estate issues, including wealth transfer strategies, providing individualized attention to each unique circumstance. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., the Chartered Retirement Planning Counselor (CRPC) designation awarded by the College for Financial Planning Institutes Corp., and other professional credentials. Peter attended California State University, Fresno, and earned his high school diploma from Palos Verdes High School. His personal interests include cooking, hiking, and traveling.

Francisco Puente is a Senior Financial Advisor at Merrill Lynch Wealth Management. He assists families and individuals in pursuing their financial objectives by developing personalized wealth management strategies tailored to each client's specific needs and priorities. Francisco provides access to investment insights from Merrill and offers banking and lending solutions from Bank of America to support his clients' financial goals. Francisco joined Merrill Lynch Wealth Management in 2019. Prior to his current role, he served as a Deputy Sheriff for Fresno County for over 18 years. He holds the Certified Plan Fiduciary Advisor® (CPFA®) designation from the National Association of Plan Advisors, as well as a Bachelor's degree in Business Administration with a Finance option and a Master of Business Administration (MBA) degree from California State University, Fresno. His areas of expertise include college education planning, employee benefits planning, services for endowments, foundations, and non-profits, retirement planning, small business strategies, tax minimization, and investment consulting. Fluent in both Spanish and English, Francisco is actively involved in his community through participation in local softball organizations and membership in the Rotary Club. He enjoys baseball, boxing, football, pickleball, reading, running, softball, spending time with his family, traveling, and watching movies.

Scott Buss is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 32 years of client-focused investment experience. Based in Fresno, California, he serves a select group of affluent clients across the state, including successful business owners with 401(k) and retirement plans, blue-collar entrepreneurs and investors—particularly in agriculture-related ventures—and pre-retirees and retirees active in their communities. Scott holds a Bachelor's degree in Business Administration from California State University, Fresno, where he also played baseball as an All-American before pursuing a professional baseball career. He is a Certified 401(k) Professional (C(k)P), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His practice emphasizes personalized, planning-based strategies that align wealth management with clients’ broader goals, including philanthropy and business succession. Scott coordinates closely with Bank of America Private Bank, Merrill Lynch Wealth Management, and clients’ legal and tax advisors to support tax-efficient and estate planning strategies. He prioritizes transparency and relationship-building, often meeting clients in their homes and offices to better understand their motivations. Scott remains actively involved in the Fresno community alongside his wife, Susan, and their two sons. He commits to serving clients not only through portfolio management but also by being an accessible resource who adds value beyond investments.

Dustin Topoozian is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry for over twenty years, beginning his career with Bank of America/Merrill in 2005. Dustin assists clients with preparation and transition into retirement by building structure and providing guidance tailored to their needs. He focuses on understanding each client's goals and objectives by developing close relationships to gain insight into all aspects of their financial lives. Utilizing Merrill's resources and the Merrill Lynch Wealth Management process, Dustin creates disciplined plans to support retirement lifestyles, investment management, and wealth transfer strategies. He remains involved with clients to adapt plans as their financial situations evolve. Dustin graduated from the Craig School of Business at California State University, Fresno. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, he enjoys traveling, golfing, and spending time with his wife and three children.

Yvonne Sanchez is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been assisting clients since 2005. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Chartered Retirement Plans Specialist (CRPS). Yvonne employs a disciplined, data-driven approach to help clients validate and pursue their retirement goals, offering comprehensive financial planning services without providing legal or tax advice. Before joining Merrill, Yvonne gained ten years of experience in accounting and taxation, equipping her with a broad understanding of financial matters. She earned her Bachelor's degree in Business Management, summa cum laude, from Fresno Pacific University and completed financial planning coursework through Boston University. Yvonne is also a member of the North Fresno Rotary Club and serves on its executive board. Yvonne is particularly focused on empowering entrepreneurs and business owners, providing access to banking services through Bank of America and assistance with workplace 401(k) plan design and fiduciary requirements. She resides in Fresno with her family and enjoys cooking, camping, dancing, and spending time with her loved ones.

Russell Takeuchi Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2017 and focuses on helping clients manage new wealth, personal retirement planning, portfolio management services, and small business strategies. Russell works closely with clients to connect all aspects of their financial lives and help prioritize and pursue their most important goals. He earned a Bachelor of Science degree in Finance from California State University, Fresno, where he also played on the intercollegiate golf team. Russell holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). A Fresno native, Russell is an Eagle Scout and resides in Fresno. Outside of his professional duties, he enjoys golfing, skiing, and traveling.

Rajinder Kumar is a Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized financial planning and wealth management. He works closely with clients to understand their individual priorities and ambitions, helping them pursue goals such as retirement planning, education funding, and long-term family financial objectives. His approach emphasizes simplicity and transparency in navigating the complexities of investing. Rajinder holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations, reflecting his expertise in retirement and investment strategies. He completed an Accredited Certificate Program from the Australian Institute of Technology and Education. Fluent in English, Punjabi, Hindi, and Urdu, Rajinder is committed to building strong client relationships and providing ongoing guidance as financial needs evolve. In addition to his professional work, Rajinder is involved with the Fresno Cambodian Buddhist Society, Inc., demonstrating his engagement with community organizations.