Karen Shahinian is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management, co-founder of the Shahinian & Associates team based in Irvine, California. She works closely with individuals, families, business owners, and multi-generational households to provide customized wealth management strategies. Her approach focuses on understanding each client’s unique priorities to help streamline and organize their financial lives, supporting steady progress toward meaningful long-term goals. With over 23 years of experience in financial services, Karen has particular expertise in retirement planning, investments, insurance, legacy planning, and cash-flow management. Since joining Merrill Lynch in 2012, she has broadened her ability to connect clients with a wide range of enterprise resources. She holds the Certified Plan Fiduciary Advisor (CPFA) designation and other industry accreditations. Karen earned an associate degree in Liberal Arts from Rancho Santiago College. Karen is active in her community as a longstanding member of the Newport-Irvine Rotary Club and a volunteer at both the Shea Therapeutic Riding Center and JSerra Catholic High School. She is involved with the Southern California Disability Advocacy Network and the Oasis Sailing Club. Outside of work, Karen enjoys boating, fishing, hiking, biking, horseback riding, gardening, and spending time with her family.

Jonathan Wright is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' priorities to help develop strategies aimed at pursuing their short-, mid-, and long-term financial goals. He serves as a resource for matters including general investing, retirement planning, and preparing for unexpected financial needs. Jonathan can also provide access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Jonathan's client focus areas include family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and has completed a Bachelor's Degree at The Master's College, as well as a Master of Business Administration (MBA) from the University of Southern California. Outside of his professional work, Jonathan enjoys biking, hiking, reading, running, and spending time with his family.

Jay Le is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in providing personalized financial strategies to individuals, families, and institutional clients. Jay offers a comprehensive approach that integrates investment insights from Merrill and banking solutions from Bank of America to address various financial needs, including credit, cash management, and specialty financing. Jay's expertise encompasses complex financial planning, with client focus areas that include college education planning, divorce transition planning, family wealth management strategies, legacy planning, retirement planning, philanthropic planning, and investment consulting for defined benefit and contribution plans. He holds multiple professional designations, such as Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), among others. He earned a Bachelor's Degree from HUFLIT and communicates fluently in Vietnamese and English. Jay is committed to community involvement and volunteers with organizations in his community. His personal interests include music, spending time with his family, and traveling.

John Mc Nulty is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, he held roles at Allstate Insurance Company, Lyft, California State University, Fullerton, and DoorDash. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Scherer is a financial advisor with Merrill in Irvine, CA, holding Series 65 and Series 66 licenses and 23 years of industry experience. His career includes roles at Bank of America, Merrill, Citigroup Global Markets, and Ameriprise. Outside of his advisory work, he is involved as a motorsports training assistant through a part-time sole proprietorship. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Jalaty is a Senior Financial Advisor and Managing Director at Merrill, where he has built a career dedicated to delivering measurable value to his clients. With over two decades of experience in banking and wealth management, Michael focuses on helping clients simplify their financial lives, regain capacity and time, and pursue their specific financial goals. He has been with Bank of America since 1999 and began his role as a Financial Advisor in 2004. Michael's expertise spans long-term strategy, business and succession planning, pre- and post-liquidity event strategies, executive compensation, wealth transfer, and access to credit through Bank of America. Serving an accomplished clientele, he aims to unify and reconcile multiple aspects of clients’ financial lives to reveal a more efficient whole. He is a Personal Investment Advisor (PIA) and prioritizes a service-oriented approach, emphasizing commitment to clients and their families. Michael was born and raised in Irvine, California, where he currently lives with his wife and two daughters. Outside of his professional responsibilities, he enjoys spending time with his family, going to the beach, and riding bikes. He holds a High School Diploma from Woodbridge High School.

Margarita Munoz is a financial advisor at Merrill with 28 years of industry experience. She has been with Merrill since 1990 and holds Series 63 and Series 66 licenses. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Nam is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been a financial advisor since 2001 and joined Merrill Lynch in 2008 following eight years with Morgan Stanley. John and his team, the NB Group, focus on working with high-net-worth clients, including business owners, corporate executives, pre-retirees, retirees, and well-established families. His approach emphasizes building long-term relationships and assisting clients in making goal-oriented and informed decisions across all aspects of their financial lives. John’s expertise includes asset allocation, estate planning, retirement planning, tax minimization, legacy planning, portfolio management, college education planning, and managing new wealth. His team offers personalized service supported by Merrill Lynch’s research resources to help preserve and grow client wealth and to address the needs of families seeking lifestyle-sustaining income and intelligent financial planning. John holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a high school diploma from Blair High School and attended the University of California system without obtaining a degree. John speaks English and Korean. Outside of work, he enjoys basketball, music, traveling, watching movies, and spending time with his wife and two children.

Anthony Mariconda is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning his career at Merrill Lynch in 2019, he has specialized in delivering comprehensive wealth management strategies tailored to the unique goals and needs of each client. His approach emphasizes active listening to develop personalized investment plans that align with clients' financial objectives and individual values. Anthony's areas of expertise include family wealth management strategies, legacy planning, personal retirement planning, individual and corporate investment strategy, and retirement income. He holds a Bachelor's Degree from the University of San Francisco and is a Personal Investment Advisor (PIA). Anthony is committed to helping clients preserve and grow their wealth while navigating changes in their financial goals over time. In addition to his professional work, Anthony is involved with the Boy Scouts of America and donates blood through the American Red Cross. His personal interests include music, running, singing, and spending time with his family.

Andrew Weber is a Financial Advisor with Merrill Lynch Wealth Management in Irvine, CA. He specializes in family wealth management strategies, managing new wealth, portfolio management services, individual and corporate investment strategy, and retirement income. Andrew works with academics, researchers, executives, and business owners whose financial situations often involve complexities such as concentrated equity, deferred compensation, multiple income streams, and closely held business interests. His background is quantitative, applying disciplined data interpretation combined with structured execution and adaptability to develop financial plans that remain effective even in fast-moving markets. Andrew partners with clients who seek thoughtful analysis and strategic guidance, focusing on continuous improvement and creating measurable value. Outside of his client work, he engages in ongoing study, including pursuing a Doctorate in Business Administration and market research. Andrew holds a Bachelor's Degree and a Master of Business Administration (MBA) from Western Governors University. He is also accredited as an Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His personal interests include baseball, music, and reading.

Jason Tong is a Wealth Management Advisor with Merrill Lynch Wealth Management in Irvine, CA. He specializes in developing personalized financial strategies designed to help clients achieve their long-term goals. Jason works closely with clients to create customized wealth management plans that address a range of financial needs, including saving for the future, home purchasing, business transitions, and retirement preparation. His client focus areas include Divorce Transition Planning, Executive Compensation, Family Wealth Management Strategies, Services for Endowments, Foundations, and Non-profits, Legacy Planning, and Individual and Corporate Investment Strategy. Jason holds the Chartered Retirement Planning Counselor™ (CRPC™), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA) designations. He earned a Bachelor’s Degree from the University of California system and is a member of the UC Irvine Alumni Association. In addition to his professional responsibilities, Jason participates in community volunteering inspired by Merrill’s tradition of community involvement. Outside of work, he enjoys basketball, billiards, bowling, football, spending time with his family, and watching movies.

Joann Gorbatov is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she works closely with individuals, families, and business owners to develop personalized financial strategies that align with their goals and values. She specializes in personal retirement planning, small business strategies, and women and wealth. Joann holds a Bachelor's Degree and a Master of Business Administration (MBA) from the University of Phoenix. She has earned the Personal Investment Advisor (PIA) designation. Her approach involves understanding what is important to her clients and helping them create strategies to pursue their short-, mid-, and long-term financial goals. She provides guidance on general investing, retirement planning, and saving for unexpected circumstances, and can connect clients with Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of her professional work, Joann enjoys drawing, sketching, music, traveling, and spending time with her family.

Kalvin Cruz is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to define their financial goals and develop portfolio strategies tailored to meet their individual needs. Kalvin provides ongoing advice and adjusts strategies as clients' situations evolve. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Kalvin earned a Bachelor's Degree from New Mexico State University. His expertise encompasses a range of financial priorities, such as funding education, preparing for retirement and healthcare costs, and managing competing financial demands within families. Kalvin's approach is guided by a client-first philosophy reminiscent of Merrill Lynch's founder, Charlie Merrill. He emphasizes transparency and simplicity in wealth planning to support clients in achieving their long-term goals.

Samuel June is a Senior Financial Advisor and Senior Vice President with June, Mitchell & Associates at Merrill Lynch Wealth Management. Since joining Merrill Lynch Wealth Management in 2011, he has focused on developing enduring relationships with individuals, families, and entrepreneurs to help them pursue a secure and cohesive financial future. His approach emphasizes relieving clients of financial worries so they can concentrate on their personal priorities. With over 25 years of experience in the financial services industry, Sam’s expertise spans corporate executive services, education planning, family wealth management, retirement income strategies, and portfolio management. He also holds specialized knowledge in real estate, home financing, cash-flow analysis, budgeting, and financial strategies for special-needs children. Sam works closely with clients from diverse backgrounds and life stages, including business owners, executives, retirees, and inheritors, to provide practical and creative financial solutions. Sam holds the Certified Plan Fiduciary Advisor® designation and is a specially qualified Portfolio Manager within Merrill Lynch. He is also a Retirement Accredited Financial Advisor, having completed certification through the Longevity Training Program at the University of Southern California Davis School of Gerontology. He attended the University of Bridgeport and Sacred Heart University and earned a high school diploma from Notre Dame Catholic High School. Sam lives in Laguna Niguel with his wife; they have three children and three grandchildren. In his spare time, he enjoys golfing, singing, and visiting his grandchildren in Oregon.

Du Lu is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies tailored to clients' individual financial goals. His expertise includes college and education planning, family wealth management, legacy planning, liquidity management, retirement planning, portfolio management, tax minimization, and retirement income. Du holds a Bachelor's Degree from the University of California System and has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Committed to the Merrill tradition of community involvement, he spends time volunteering with local organizations. Outside of work, Du enjoys baseball, basketball, football, golfing, and spending time with his family.

Nicholas Dzubnar is a Financial Advisor at Merrill Lynch Wealth Management. He leverages his education from California Polytechnic State University and his seven-year experience in the NFL to provide personalized financial advice and guidance. His professional designations include Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Nicholas specializes in college education planning, family wealth management strategies, personal retirement planning, portfolio management services, and individual and corporate investment strategy, with a particular focus on clients in the sports and entertainment sectors. He utilizes strong communication, relationship-building, and problem-solving skills to assist diverse and high net worth individuals and families in achieving their financial goals. Residing in San Clemente, CA, Nicholas enjoys spending time with his three daughters and engaging in outdoor activities such as boating, camping, golfing, hunting, ice hockey, skiing, and football. He is also a member of the NFL and NFL Players Association (NFLPA).

Alan Mariconda is a Wealth Management Advisor with Merrill Lynch Wealth Management, offering clients access to Merrill's investment resources alongside the banking services of Bank of America. He serves as an Investment Advisory Program Portfolio Manager, managing personalized and defined investment strategies on a discretionary basis. His focus includes areas such as divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Mr. Mariconda has been in the financial services industry since 1981 and joined Merrill Lynch Wealth Management in 1986. He is part of an investment team dedicated to guiding multi-generational families toward their financial goals by applying knowledge drawn from extensive experience and ongoing education. His professional designations include Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Chartered Life Underwriter (CLU), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned both a bachelor's degree in Public Administration and a master's degree in Business Administration from Drake University. Outside of his professional work, Alan Mariconda participates in community activities through the Best Friends Animal Society. He pursues personal interests such as adventure sports, biking, hiking, running—including half and full marathons—skiing, traveling, and spending time with his family. His experience as an Ironman triathlete reflects his commitment to pushing boundaries both physically and mentally.

Joshua Swinson is a Senior Financial Advisor and Senior Portfolio Advisor for The SW Group & Associates, operating within Merrill Lynch Wealth Management. He has over 20 years of experience assisting high-net-worth families and business owners with comprehensive financial needs. Joshua manages day-to-day client relationships to gain a thorough understanding of their financial lives and provides access to investment insights from Merrill Lynch and banking services from Bank of America. His areas of expertise include college education planning, corporate executive services, divorce transition planning, family wealth management, managing new wealth, personal retirement planning, portfolio management, sports and entertainment, tax minimization, and retirement income strategies. Joshua follows a consultative approach, tailoring personalized financial strategies to align with each client's situation, risk tolerance, and long-term goals. Joshua holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He completed his high school education at Big Bear High School. Residing in Laguna Beach, California, he volunteers with the Boys and Girls Club Laguna Beach. In his personal time, Joshua enjoys traveling, cooking, surfing, and spending time with his wife and two children.

Brandon Tse is a Financial Advisor at Merrill Lynch Wealth Management specializing in helping clients simplify the complexities of their financial lives. He focuses on building, preserving, and transferring wealth across generations through personalized financial planning strategies. Brandon serves as a central point of coordination, integrating various aspects of clients' financial situations to create cohesive strategies. His expertise includes college education planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Brandon holds professional designations including Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a degree in Business Administration from Pepperdine University. Outside of his professional work, Brandon enjoys baseball, football, golfing, hiking, ice hockey, music, skiing, spending time with his family, tennis, and traveling.

Michael Mahoney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 2004 after graduating from the University of Wisconsin - Madison. Initially based in Waukesha, Wisconsin, he relocated to Ladera Ranch, California in 2011, where he currently resides with his wife Kelly and their two daughters. Michael's areas of focus include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional role, Michael enjoys biking, cooking, football, golfing, hiking, scuba diving, soccer, and spending time with his family.