Randy has served his clients as a financial advisor for 23 years.  He does full service financial planning and specializes in helping people reduce or eliminate risk in their portfolios.  Randy currently manages over $172 M in assets for his clients and has been designated as advisor of the year for Wealth Watch Advisors for the last 4 years in a row.  He has also served on the board of advisors for the Institute of Business and Finance which is an accredited financial university and the 4^th oldest provider of financial designations in the United States.  He’s been married to his wife Jackie for 30 years and has 2 kids that recently graduated from college.

Aurielle is an experienced client service leader in the wealth management industry with over ten years of experience. She is a Certified Financial Fiduciary and is currently the Client Service Specialist at Pacific Capital. She draws on her professional and life experiences to help clients achieve their goals. Aurielle has a passion for financial education and wellness as well as philanthropy and serving in her community.

Grady Lee Elliott, a dedicated Main Street business Fiduciary, is an Authorized Taxation and Financial Consultant for Excel Empire Services, specializing in facilitating advanced financial solutions for businesses. His expert areas encompass Advanced Tax Reduction Strategies, Regulatory Compliance, Estate Planning, Tax Credits, Business Valuation & Brokerage, and Legacy Planning. Utilizing his comprehensive understanding of industry dynamics, Grady and Excel Empire craft growth-oriented strategies for businesses and high net-worth individuals. As a reliable partner of Excel Empire, Grady enhances the proficiency of accountants, thereby driving unprecedented success.

Grady's educational background features a Master's Degree in Public Administration, underscoring his well-rounded abilities. His comprehensive skill set, a key driver in augmenting revenue growth, improving client satisfaction, and formulating strategic business plans, is always exercised with a fiduciary approach. This commitment ensures prioritizing the best interests of every client is at the forefront of his professional endeavors.

Mr. Gotses is an honor graduate of San Diego State University with a B. S. in Finance with an emphasis in Financial Planning, with minors in Economics and Accounting; he was recognized as a member of several honor societies, including Beta Alpha Psi. Mr. Gotses obtained numerous securities and insurance licenses and designations including the Series 7, 63, 65, Life, Health and Disability, Long Term Care, Buy/Sell agreements insurance and Key Man Insurance certification.

Michael Septimo’s emphasis on obtaining a comprehensive understanding of clients' financial situations before providing solutions reflects his dedication to their long-term success. A favorite quote of his, 'Failing to plan is planning to fail,' underscores his belief in proactive and strategic financial planning.

As a Certified Financial Fiduciary®, Michael is steadfast in his commitment to prioritize his clients' best interests above all else. This ethical standard drives his mission to simplify his clients' financial lives and establish himself as a trusted and lasting advisor. With tailored strategies spanning retirement planning, investments, wealth preservation, and legacy planning, Michael empowers individuals to navigate their financial futures with confidence and clarity.

Michael is a father of two beautiful children and a husband to his beautiful wife. He graduated from the Santa Rosa Junior College and Sonoma State University with his major in Communication studies. He prides in being a product of Sonoma County.

Shannon Drobny has over 14 years of licensed financial expertise, bringing a wealth of knowledge and a passion for empowering clients to achieve their financial goals through advice and advocacy. 

Her extensive experience in the banking and investment sectors equips her with a comprehensive understanding of financial markets and the strategies needed to help clients succeed and she has honed her skills in investment management, financial planning, and client relations. With a client-centric approach, Shannon has the desire and ability to build strong relationships and provide tailored financial advice.  She coaches individuals through life's pivotal financial decisions, employing a personalized approach tailored to everyone’s unique circumstances. 

Demonstrating her commitment to staying at the forefront of industry standards, she pursued both the Certified Financial Fiduciary® and Behavioral Financial Advisor™ designations.

Shannon is a supermom to her 11-year-old daughter and their beloved French Bulldog. Balancing parenthood and career, she understands firsthand the importance of financial security and stability for families.

As the Founder of Financial Literacy Institute, she specializes in financial planning and empowerment through education. She has been a guest speaker on various local radio shows and podcasts, co-produced a documentary, and published several articles.
Over the years, she conducted hundreds of live workshops on financial matters, educating thousands of individuals on how to implement better savings and retirement strategies. 

Daniela captures the mindset of individuals by helping them navigate through the complexities of economic cycles and emphasizes the importance of retirement planning.

As a successful business owner, financial educator and retirement income strategist since 2009, she intimately understands the financial challenges especially women are facing today. Ironically, her own story includes some embarrassing money mistakes and lessons learned the hard way before she joined the financial service industry. 

Daniela, originally from Switzerland, immigrated to the United States in the year 2000 to pursue her dream of becoming an entrepreneur. She loves the natural beauty of living in Southern California, enjoys outdoor adventures and traveling to explore new countries and cultures. She speaks 4 languages fluently, and cares about animals and supports animal welfare causes whenever she can.

She holds various professional designations including:

·    Certified financial education instructor with the National Financial Educators Council (NFEC)

·    Recognized as one of the top 20 Financial Coaches in Los Angeles in 2022

·    Social Security Claiming Strategist

·    Certified Financial Fiduciary®

Clients often ask me why I became a Financial Advocate, and the answer is a tale close to my heart. It all began when my family and I embarked on a new chapter, moving to the United States in 2007. At that time, the prevailing wisdom was to invest in a home, and, like many others, my parents used their hard-earned money as a down payment, filled with dreams of a brighter future. But 2008's financial crisis changed the course of our lives, leading to the loss of our home. This painful experience was a result of one crucial missing piece: financial education.

I, too, had journeyed through life with a lack of understanding about the path to financial freedom. Much of the advice I received was quite generic – "secure a good job, work hard, and save diligently." Terms like "401(K)" were familiar, but I lacked a deeper understanding of how it all worked. I simply assumed that a 401(K) match from your employer indicated a good job. I held firm to the belief that diligent work would lead to prosperity, even though I saw many around me working tirelessly without reaping the rewards they deserved.

Then, a pivotal moment reshaped my life. I met a mentor who took me under their wing, opening my eyes to the profound truth: one can make their money work for them, and you don't need to be a millionaire to follow in the footsteps of millionaires. The revelation hit me hard – "Why isn't this taught in schools? Everyone should have access to this knowledge!" It was at that moment that I resolved to be a teacher, and thus, I set out on my path as a Financial Advocate.

Most people desire financial independence but often lack a roadmap. That's where I come in.

Today, I stand as an independent financial advocate, committed to helping my clients bridge the gap between their aspirations and their reality. My mission is clear: to provide exceptional value by offering financial education, understanding client's financial situations, and providing solutions and ongoing service.

My journey was enriched by a mentor as passionate about financial education as I am today. I am here to offer that same guidance to you. If you find that your money isn't working as hard as you are, it's time to choose a financial advocate. IM HERE...

Former stockbroker.
Former insurance manager.
Former sales trainer.

After years of winning trophies and trips, I decided to STOP SELLING.

Disillusioned with our transaction-based, high-commission and inherently conflicted financial industry, I became an independent investment advisor, full-fledged financial fiduciary and holistic financial planner.

I advise. I teach. I invest using Nobel Prize-winning academic research.

And I help create that moment of relief when investing/insurance/estate planning/charitable giving/trust & will creation/tax management/Medicare/Social Security/long-term care/wealth transfer/omg becomes... simple.

I'd love to answer any questions or point you in the right direction (and away from the sales people).

Note: 

I am a licensed Investment Adviser Representative (Series 66) of my Registered Investment Adviser firm. 

I earn no commissions when acting as an advisor. 

If I act as an insurance agent, commissions are generated by the insurance carrier—but I donate 100% of all commissions so I can maintain my Fiduciary position with my clients.

This is my attempt to eliminate conflicts of interest, by design.

I am Fiduciary-Only, Fiduciary-Always.

And I am at your service.

Blanca Tinoco-Nava is a Financial Paraplanner at Pacific Capital. She graduated from Brandman University with a Bachelor of Business Administration (BBA) degree with a concentration in Finance, Magna Cum Laude. Prior to joining Pacific Capital, she spent nearly a decade working as a financial paraplanner and financial advisor at Ameriprise in Southern California. Blanca is a Certified Financial Fiduciary®️ and is responsible for financial planning strategy research, tax and estate planning coordination, and making sure client’s goals are being reached efficiently. Blanca enjoys being involved with her local PTA and volunteering her time at her kids' school. When Blanca is not in the office, she enjoys trying out new restaurants, dancing, singing, traveling, and spending time with her husband Octavio, their two kids, and their family dog, Baxter.