Our Team

Lynn Kaloian Investment Advisor RepresentativeLynn Kaloian

President, Investment Advisor Representative

Office Location: Arroyo Grande, CA

Phone: 805-386-7470

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Lynn Kaloian enjoys helping clients map out their financial plans from big picture to details, making sure they understand their investment options. For business owners, her role may be helping to choose and manage a retirement plan for employees. For retirees, she may develop strategies to sustain income throughout retirement years. For each client, Lynn takes the time to understand their goals and determine their next steps.

Lynn believes that financial professionals should use their knowledge to help clients understand what they are invested in and why. Clients come from all careers such as doctors, contractors, first responders, educators, and many small business owners. Lynn's focus is on working with clients and their accountants to make sure all plans are considered from a tax standpoint.

After starting her career in analytical positions such as business analyst, credit manager, and auditor, Lynn joined the financial services industry in 2007. She holds a Bachelor of Science degree in Business Administration from California State Polytechnic University, Pomona.

Lynn is involved in her community, currently serving as the charity committee chairperson, Good Idea chairperson and Scholarship committee member of the Nipomo Lions Club. She has earned the Melvin Jones Humanitarian Award for her service. In her various roles she has helped build a bond between the local schools, teachers and the Nipomo Lions Club.

A longtime resident of the Central Coast, Lynn enjoys the coast with their smart fun-loving dog, Sammie, a toy Australian Shepherd. Sammie is a regular greeter at the Arroyo Grande office. 

Penny ArnoldPenny Arnold

Financial Representative

Office Location: Bakersfield, CA

Phone: 661-204-5658

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Penny Arnold is enthusiastic about educating clients on the how and why of investing. She wants to make sure they understand the roadmap of their financial plan.

Penny enjoys working with retirees, business owners, teachers, and those just starting out. Whether the next step is starting a Roth IRA, rolling over a 401k, or setting up a retirement plan for a business, Penny is ready to help.

As a financial representative, Penny enjoys joining clients in pursuit of their goals. Once, a young couple came to her after being turned down for a mortgage for their first home. Penny was able to help them get out of debt, qualify for a mortgage, and continue on their journey toward other financial goals. During volatile times in the market, Penny has had the opportunity to provide encouragement and education about dollar cost averaging and not jumping out of the investing cycle.  Whatever the circumstance, Penny enjoys learning about each client's goals and then providing financial projections and individualized guidance.

After earning an Education Degree from Abilene Christian University, Penny graduated with a Masters of Education Degree from Cal State, Bakersfield. She has received a Rising Star award, as well as several certificates and trophies for achievements and education. With a love for learning, Penny continues to attend conferences, trainings, and webinars in pursuit of knowledge that will benefit her clients.

Penny has been married to Jack for thirty-eight years and has three children.