Joeffrey Sunga is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and businesses to provide customized wealth planning and investment management. He leverages the resources of Merrill Lynch Wealth Management and Bank of America to address various financial needs. His practice centers on retirement income planning, investment management, pension analysis, wealth transfer strategies, and guiding clients through major life transitions. Joeffrey assists pre-retirees, retirees, executives, and business owners with questions on retirement timing, pension options, sustainable retirement income, tax minimization, and efficient wealth transfer. He emphasizes building financial plans based on clients' priorities and collaborates with CPAs, attorneys, and other professionals to deliver coordinated planning. Joeffrey holds designations as an Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a High School Diploma from John Marshall High. He is involved with Foothill Vineyard Church. His personal interests include billiards, chess, drawing/sketching, fishing, music, painting, spending time with family, table tennis, and writing.

John Holodak is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Merrill for most of his career, including a brief period at BOFA Securities, Inc. There are no additional notable outside activities reported. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Ricardo Marrujo Mexia is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has previously worked at Citigroup and Ladder Up Financial Services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Jessica Chen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining J.P. Morgan in 2022, she worked at East West Bank and has been involved in several entrepreneurial and business ventures, including ownership interests in restaurant and retail businesses. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Chen Chen is a financial advisor with Merrill in Pasadena, CA, holding a Series 66 designation and nine years of industry experience. Chen has been associated with Bank of America and Merrill 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 strategies developed by internal Chief Investment Office teams and third-party style managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Soonhee Cho is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Prior to joining LPL Financial, Cho worked at H. Beck, Inc. for 12 years and has operated Grove Point Investments and Grove Point Advisors since 2021. Outside of advisory work, Cho is president of an insurance sales business focused on United Healthcare products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm provides a range of financial planning and investment management services through a large network of advisors utilizing both proprietary and third-party strategies.

Raye Thomas is a financial advisor with Wells Fargo Clearing in Santa Monica, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Wells Fargo Clearing Services LLC since 2018 and Wells Fargo Bank NA since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kais Zeiadah is a financial advisor at Charles Schwab with nine years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2016, with prior experience at TD Ameritrade from 2021 to 2023. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Miguel Rodriguez is a Series 66-credentialed financial advisor with 16 years of industry experience, currently serving at J.P. Morgan Securities since 2012. He has also been associated with Jpmorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Robert Floe is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at LPL Financial since 1995, with a ten-year tenure at Wells Fargo Advisors from 2012 to 2022. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.

Tim Gottschalk is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2014, also working at JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Janssen Carr Barfield is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in a range of client-focused areas including college education planning, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, and services tailored for endowments, foundations, and non-profits. Janssen integrates both fundamental and technical analysis in his approach and educates clients on global economic factors influencing inflation. He also provides access to alternative investments across various sectors such as precious metals, agriculture, energy, and private equities as part of diversified portfolio strategies. With a Bachelor's Degree from the University of California System, Janssen holds the Personal Investment Advisor (PIA) designation. Fluent in English, Spanish, French, Hebrew, and Greek, he communicates with a broad range of clients. Janssen is committed to linking clients’ personal perspectives and priorities with financial planning, emphasizing the importance of connecting all aspects of financial life to help clients pursue their most important goals. Outside of his professional work, Janssen is a family man with nine children and a strong personal commitment to his family, including raising his niece and nephew. His personal interests include camping, chess, dancing, fishing, music, reading, scuba diving, skydiving, surfing, and spending time with his family. He also engages in agricultural activities and enjoys preparing large meals for family and friends. Janssen’s community philosophy is guided by principles found in Matthew 6:3-4.

Vicente Funes is a financial advisor at Merrill with Series 65 and Series 66 licenses and three years of industry experience. His prior work includes positions at Bank of America, The Myers Law Group, and Costco Wholesale Corporation. 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 designed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jean Koehler is a financial advisor with Ameriprise in Monrovia, CA, holding a Series 66 designation and 25 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Outside of her advisory role, she has real estate ownership interests in Los Angeles County. Ameriprise offers a retirement-income planning service targeted at individuals with substantial investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver tailored retirement income advice through a centralized consulting team.

Mariannette Lopez is a financial advisor at Merrill with 5 years of industry experience. She holds a Series 66 designation and has worked at Bank of America since 2021. Her background also includes roles at East Los Angeles College and Los Angeles City College. 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.

Qixuan Wu is a financial advisor at UBS Financial Services with five years of industry experience. Prior to joining UBS in 2022, Wu worked at Morgan Stanley Private Bank and Morgan Stanley from 2020 to 2022. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and provides research-driven, tailored investment solutions.

Hector Amezcua is a financial advisor with Merrill, holding a Series 66 designation and 15 years of industry experience. He has been with Merrill and Bank of America since 2014. Outside of his advisory role, he participates in land buying and selling with friends in Southern California on a personal basis. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutional investors.

Sammie Kothari Peng is a Wealth Management Advisor and partner of the Kothari Group at Merrill Lynch Wealth Management. She joined Merrill in 2000 and focuses on working closely with clients to deliver comprehensive wealth planning strategies and investment advice geared towards achieving their financial goals. Sammie's expertise includes wealth management planning, intergenerational wealth transfer, global asset allocation, charitable giving, and higher education savings. She serves a diverse client base including women seeking financial direction, business owners, professionals, and retirees. Sammie holds multiple professional designations such as CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Plans Specialist™, Chartered Retirement Planning Counselor™, and Certified Plan Fiduciary Advisor® certifications. She earned her Bachelor's degree from the University of California, Irvine. Active in her community, Sammie is a long-time member of ALPHA, an auxiliary of the Assistance League of Fullerton that supports various community organizations. She resides in Brea with her husband and their two children. In her personal time, Sammie enjoys running, yoga, reading, and during winter months, skiing and snowboarding with her family.

Nancy Molina is a financial advisor with Morgan Stanley in Los Angeles, CA, holding a Series 66 license and 20 years of industry experience. She has worked with Morgan Stanley since 2016, with a brief tenure at UBS Financial Services in 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its financial planning process.

Annie Chen is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 credential and has worked at Bank of America and AXA Advisors. Outside of her advisory role, Chen is a general partner and managing member of BA and TB Succulents LLC, which is not investment related. 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 and profit-sharing plans, corporations, and charitable organizations.