Our Team

Born in Santa Cruz, CA, Brian has been living in the Tri-Valley most of his life. He had moved away for college, but decided to return to the Bay Area to pursue a career in insurance and financial planning. He was a self-made man – put himself through college while working as a master car mechanic. After graduation, he only had $1000 to spend to make something of himself. He decided to take an insurance class and became a Life Agent.

Brian is licensed in both Life and Securities. During his courses in achieving the Life Underwriting Training Council Fellowship, he completed training in Retirement Planning, Investments, Advanced Business Planning, Business Continuation and Strategies, and Estate Planning. He is a Registered Representative with Ameritas Investment Company, LLC; member of the National Association of Insurance & Financial Services; and General Agent (General Agency Owner) for Kansas City Life. He specializes in Wealth Accumulation and Preservation, Wealth Transfer, Business Succession Planning, Asset Protection, Estate Analysis and Tax Planning, and Retirement Strategies, just to name a few.

In 2015, he considered retiring, instead, he found a new drive and created a goal of opening his own insurance and financial services agency. His drive to further grow his business became more apparent having married someone with the same goal. The idealistic vision that he has, and Joanne’s realistic views gave birth to BNJA. Among his many professional accomplishments, with more than 25 years in the business, was receiving the *Million Dollar Round Table (MDRT) Top of The Table Qualifier early on in his career. He has received various awards and recognitions, namely, *President’s Club, *Leader’s Court, **KCL Agency Building Award (Honorable Mention), **President’s Club #1 Top Producer Nationwide, **Top Hatters Qualifier two years in a row, and two-timed **Century Club Qualifier.

Growing up as an athlete himself, Brian is a huge supporter of all the Bay Area sports teams, and a fanatic of his beloved 49ers (Go Niners!). He is also fitness-minded and enjoys working out at the gym; and an outdoorsy guy who enjoys backpacking, fishing, and camping. He and his wife take time to travel frequently. But recently, he found a new way to enjoy life, and that’s spending time roughhousing with his son, Boedhy. He is a family man who wants nothing more than being with his fur-daughter, Brooksie, his hero, Boedhy, and “angel” wife, Joanne.

_{* For additional information on the awards given by Ameritas/AIC/AAS please visit: https://cloud.content.ameritas.com/ratings-and-awards}

_{** For information on the awards given by Kansas City Life please visit:}

A teenage transplant to the Bay Area, Joanne was born in Manila, Philippines. Aside from English, she is also a fluent speaker and writer in Filipino (Tagalog). She worked in the healthcare industry for 16 years as an educator, practitioner, sales, and liaison before transitioning to the insurance and financial planning industry. The length of time she had spent in the healthcare field gave her the necessary aptitude to transition to the world of insurance and financial planning. To Joanne, emotions and attitudes are parallel when dealing with wealth – may it be financial or health. She was initially a supporting factor when Brian had his vision for the agency, but as a married couple with the same goal, Brian’s idealistic vision coupled with Joanne’s realistic views, BNJA came to fruition.

Joanne is an avid sports enthusiast (Go Niners and Warriors!!); a fitness fanatic, globetrotter, lifelong learner, and philanthropist. She is truly a “Joanne of all trades,” but most importantly, she is a wife, and a mother, and loves nothing more than spending time with her family.

Lynette holds a BS in accounting, and is an Enrolled Agent, enrolled to practice before the Internal Revenue Service. Over the last 3 decades, Lynette has focused on business accounting and taxation. She has worked with many clients in different industries including money management firms, medical, transportation, restaurants, real estate, and many other service industries. Her primary planning strategy for clients is legal tax savings and wealth preservation. Lynette was born and raised in the San Francisco Bay area. In her free time, she enjoys traveling, gardening, painting, and spending time with her family.

Martin Aiello graduated in the East Bay and has more than 20 years of experience consulting for organizations to serve and guide individuals and businesses with the planning process to bring solutions to achieve their financial goals. He holds both securities and insurance licenses.

Martin is a native of the San Francisco Bay Area and believes in giving back to a variety of community organizations. He and his wife Jenny have five children and one grandchild. In his spare time, he enjoys family time, exercising, listening to live music, gardening, traveling, wine, camping and fishing. Martin focuses on one client at a time, helping them achieve their personal financial goals to pursue their life passions.

Justin Chapman was raised in the Carolinas. Upon high-school graduation, he entered service in the US Army achieving the Rank of E-4. Upon Separation from Military Service, he enrolled at The University of North Carolina. Graduating with a bachelor's degree. Justin has owned, developed, and sold several successful businesses. Since 2013 he has built a successful Financial Planning Practice in the excess of over 700 Businesses and Individuals.

Oliver has been working in the financial services industry since 1998. Aside from assisting over 100 individuals and businesses, he enjoys athletics, art, music and contributing to local community growth, through various nonprofit endeavors. A native of the Philippines, growing up in the Central Valley and educated in the Bay Area, he spends his time between both places while enjoying quality time with his family. He has access to a network of BNJA offices to serve his clients’ needs. Oliver is particularly keen on using technology to interface and work with many people, time efficiently and long distance, while providing valuable, meaningful information and services for his clients. Oliver strongly believes in helping individuals and businesses make meaningful financial decisions that will have a positive, long-term impact, on their families, communities, local and globally.

Victoria is a graduate from California Polytechnic University, Pomona with a bachelor’s in business administration and from Diablo Valley College with an Associate's in Business Administration and Economics. She began her passion for investing and finance in 2017 and enjoys working with individuals and businesses to help achieve their financial goals while helping to provide protection to their families and employees. Victoria is a Bay Area native and currently resides in Martinez, California. When she's not working, she enjoys spending time with family and friends, wine tasting, traveling, and giving back to her community.

Born in the East Bay region of the SF Bay Area, Boedhy, is the heart of the agency. He has a warm personality, is kind-hearted, and loves being around others. He is a loving son to his mother and adores his father immensely. At an early age, Boedhy is already investing on his future. He goes to school full-time and is a part-time influencer. He would like to remind parents of kids his age that it is never too early to invest in yourself or your children.

Donald Groh has over 29 years of experience as an employee benefit specialist. Don takes the time to listen to the clients' concerns, needs and questions by assessing and reviewing current plans, conducting the renewal analysis, summarizing plan options, and advising on opportunities equaling and surpassing the clients' needs.  

In his free time, Don enjoys going out hiking and walking in nature, and spending quality time with family and friends.