Advisor Team

 
 
 
 
Jim Estes — Investment Advisor in  Hemet, CA
 
Jim Estes-Principal

Jim Estes Ph.D., MBA, CFP, ChFC, CPCU, CLU is a tenured Professor of Finance at California State University San Bernardino. He is also a Federal Securities Arbitrator with FINRA. Jim retired as a CEO of a $1 Billion financial services company in 2003 to teach. In 2010 he co-founded Alpha with Andrew Kotyuk. He has published 41 papers in numerous academic and industry journals, presented at 42 national and international conferences, is the Editor of 4 financial journals and received 9 Best paper awards. He has published an op-ed paper in the New York Times and been featured several times in NPR's Marketplace and on NPR's Connections as well as CBS, NBC and numerous radio programs. He has received many awards and commendations from California State University San Bernardino and the California State Legislature for his work. Estes has been married to his childhood sweetheart (since 3 years old) Denise for 49 years and they have two adorable grandchildren who live in Sacramento with their parents.
 
 
Andrew F. Kotyuk — Investment Advisor in  Hemet, CA
 
Andrew F. Kotyuk-Principal/CEO

Andrew achieved his CIMA certification through IMCA and the Wharton School of Business and formerly was a prior student of Dr. Estes through California State University San Bernardino. With fifteen years of experience including Wall Street Firms such as Merrill Lynch and Wells Fargo he partnered with Dr. Estes to form Alpha Wealth Management, LLC. His financial acumen has led to being elected chairman for several boards including Central County United Way, Ramona Bowl, Three Peaks Boy Scouts District, and the Riverside Transit Agency. Since 2010, he has been elected to the San Jacinto City Council where he has served as Mayor several times. Accomplishments including balancing the City's budget for the first time in a decade, leading Riverside Transit Agency's and Metrolink's fuel hedging strategy and committee saving millions of taxpayer dollars. He is married to his best friend, Amanda and they are blessed with three adorable children.
 
 
Akram A. Tadlaoui  — Investment Advisor in  Hemet, CA
 
Akram A. Tadlaoui - Financial Advisor

Akram was a former student of Dr. Jim Estes through California State University, San Bernardino. While enrolled in the finance and accounting program; he has participated in money management projects through CSUSB before graduating with a Bachelor's in Finance & Accounting on June 2013. Prior to graduating; Akram attended College of the Desert where he graduated with an Associate Degree in Business Administration. He then pursued further education where he acquired Series 7 and 66 which granted him the ability to become a registered representative and an investment adviser representative and has been active since 2014. In addition, Akram is a Life & Health insurance license holder which allows him to utilize insurance products in the financial and estate planning process. Previously; Akram lived in Morocco before moving to Palm Desert, California in 2006. Currently; Akram is happily married to his best friend and high school sweetheart.
 
*CA Insurance# 0I94172
 
Maria N. Melecio   — Investment Advisor in  Hemet, CA
 
Maria N. Melecio – Financial Advisor

Maria was a former student of Dr. Jim Estes at California State University, San Bernardino. She graduated from College of the Desert with an Associate of Arts in Business Administration with Academic Distinction in 2011. Then, Maria transferred to California State University, San Bernardino in pursuit of a Bachelors of Arts in Finance. While attending CSUSB, Maria participated and was the leader in the management of the CSUSB Student Management Investment Fund. In 2013, she graduated Cum Laude and Departmental Honors in Finance. Maria is a member of Beta Gamma Sigma, which only allows admission to the top business scholars in a business program that is accredited by AACSB international*. Finally, she became the first one in her family to receive a college degree. She also holds her Series 7 and 66 securities licenses as well as her California Insurance License. She enjoys spending her free time with her family: parents, three siblings, and two dogs. When she is not with her family, she is exercising, spending time with her friends, tutoring children in math and reading, or attending Sacred Heart Church.
 
*For more information about Beta Gamma Sigma membership, please visit https://www.betagammasigma.org/about-bgs

*CA Insurance #0J14279
 
MJustin Dale Young — Investment Advisor in  Hemet, CA
 
Justin Dale Young – Financial Advisor

Justin was a former student of Dr. Jim Estes at California State University, San Bernardino. While at CSUSB, Justin participated in the management of the CSUSB Student Managed Investment Fund. After completing his Bachelors in Finance, Justin acquired his Series 7, 63, and 65 securities licenses as well as his insurance licenses for Life and Health*, as well as Property and Casualty (inactive). His background prior to his work in financial services was in agriculture and construction. He had the unique experience of working on the family farm and nursery operations from a very young age, and later developed roles in administration and project management. He is happily married to his wife Kelliann, and they are raising three adorable children, in the same area of Southern California that his family has called home for three generations.
 
*CA Insurance #0I82006
 
Laura Lucas — Investment Advisor in  Hemet, CA
 
Laura Lucas - Compliance Manager

Laura was also a previous student of Dr. Estes through California State University San Bernardino. She graduated from CSUSB with a Bachelor’s in Business Administration with a Human Resources Concentration. Prior to her time at CSUSB, Laura attended Mt. San Jacinto College where she played on the basketball team, and graduated with three Associate’s degrees. She also volunteers with many of our non-profits here in the valley. She is married to her best friend, Phil and has a daughter, and a set of fraternal boy / girl twins.