Sina Azari is a Certified Financial Fiduciary with a track record of delivering exceptional financial guidance for more than 2 decades.  Specializing in strategic financial planning including insurance and real estate, trust and estate conservatorship, he brings a deep understanding of these complex areas to provide clients with tailored solutions.

With a steadfast commitment to fiduciary duty, Sina prioritizes clients' best interests above all else. His expertise in navigating intricate financial landscapes empowers clients to make informed decisions and achieve their long-term financial goals.

Katrina brings a wealth of experience and expertise to her role in the financial industry since 2010. Before Pacific Capital as a Client Service Coordinator, Katrina worked at UBS Financial Services and Abbot Downing, a boutique firm at Wells Fargo serving Ultra-High-Net-Worth clients. With a background in client service and relationship management, she has a proven track record of delivering exceptional service and building long-lasting client relationships. Katrina is known for her proactive approach to problem-solving and her ability to anticipate and address client needs effectively. She thrives in fast-paced environments where she can leverage her strong communication skills and attention to detail to ensure that clients receive the highest level of support. Katrina is committed to excellence in all aspects of her work and is dedicated to helping clients achieve their financial goals. Katrina lives with her husband and her daughter in Ontario Ranch, CA.

Blaine Johnson is an agent with New York Life Insurance Company, a member agent with The Nautilus Group®, a service of New York Life, and a financial professional with nearly a decade of industry experience. He specializes in providing financial and insurance services for professionals and business owners. By focusing on a particular clientele, he can provide a customized approach that responds directly to the specific needs of clients.

Passionate about education, Blaine is a Life Underwriter Training Council Fellow (LUTCF®) and holds the Certified Long-Term Care designation (CLTC®). As a LUTCF®, he has a thorough understanding of the insurance industry and how it can impact and integrate with his clients’ financial strategies. With the CLTC® designation, he is highly trained in long-term care and the intricacies that go into long-term care planning. In helping you solve your needs, he works closely with other professionals, including elder law attorneys. Blaine also holds a Bachelor’s degree from California State University of Chico and is a member of the National Association of Insurance and Financial Advisors (NAIFA).

A native Northern Californian, Blaine currently resides in Roseville and works with clients throughout Sacramento and the Bay Area, as well as Southern California, Arizona, Nevada, and Washington. He is a loyal fan of the San Francisco 49’ers and the San Francisco Giants, and he supports the local non-profit Serotonin Surge.

Raymond T. Martin is founder and president of Martin Wealth Management and Martin & Associates Insurance Services, Inc.

 Ray holds a bachelor’s degree in business management from Pepperdine University (1990) and a Certified Financial Fiduciary. With more than 30 years of experience, Ray started his career at The Prudential Insurance Company, where he worked as a field underwriter and personal finance advisor. He is the author of 2 best-selling books “The Nuts and Bolts of Original Medicare, Medicare Supplement Insurance and Medicare Advantage. “and “Stress-Free Retirement, 8 Secrets to Secure your Money and Peace of Mind.”

 With a background in business management, it wasn’t long before he ventured out on his own and became a successful insurance agency owner specializing in Medicare, long-term care and life insurance. In 2008, when Ray founded Martin Wealth Management, LLC, he could see the need for sound financial education needed by the retirement community. Ray’s company focuses on coaching clients instead of selling investment products.

As a result, clients learn how to invest and manage their money effectively and prudently instead of getting caught in the Wall Street lies that foster gambling and speculating.

John Borbon builds life-long relationships with his clients in order to deliver a full-service customer experience - combining personal attention, financial planning, and retirement advice.

"I strive to help each of my clients plan for their financial future through comprehensive analysis with their goals in mind. My passion is for educating clients about investing and retirement planning and ultimately making a difference in their lives."

John firmly believes each investor is unique, and investing is very personal. With the highest level of professional integrity, John recommends tailor-made strategies based on each client's individual situation to help them reach their financial goals.

In 1967 Dean Witter, wrote a memo to the firm Dean Witter, he and Ron’s grandfather founded in 1924. It read, “The most valuable asset of an investment firm is its good name. 

Let us do everything we can to protect it and let us not allow profit to distort our judgement. We have a sacred trust to protect our clients.

In the long run those firms which survive and prosper are those who maintain conservative policies and put their client’s interests first.”

Over one hundred years later, Ron still maintains his family’s principles at Witter Wealth Management. We continue to maintain conservative policies and putting our clients interests first. 

Kelsey Anderson is a highly skilled Wealth Manager at Monarch Wealth & Retirement Strategies, dedicated to helping individuals and families achieve financial security and long-term prosperity. As a Certified Financial Planner (CFP®), Kelsey brings a deep understanding of financial principles and personalized strategies to her clients.

With expertise in cash flow planning, tax minimization strategies, and building and preserving generational wealth, Kelsey takes a comprehensive approach to financial management. She is committed to crafting tailored solutions that align with each client’s unique goals, ensuring financial stability and strategic growth for current and future generations.

At Monarch Wealth & Retirement Strategies, Kelsey leverages industry-leading insights and a client-first philosophy to empower individuals in making informed, confident financial decisions. Her dedication to excellence, integrity, and proactive planning has positioned her as a trusted advisor in the wealth management space.

Craig Kennedy is a Financial Advisor with Martin Wealth Management and Martin & Associates Insurance Services, Inc.

 Craig holds a bachelor’s degree in Business Management from the University of Nevada and is a Certified Financial Fiduciary. With more than 25 years of experience, Craig started his career at Smith Barney, where he worked as a Financial Advisor for 5 years.  

With a background in business management, it wasn’t long before he ventured out to open his own practice and became a successful agency owner specializing in Portfolio Management, Life Insurance, Medicare Consulting and assisting his clients with their  Estate Plannning. Craig began his practice in 2006 because he could see the need for sound financial education needed in the retirement community. In 2020, Craig moved his clients to Martin & Associates because of not only their expertise and resources, but also their integrity and client focus that is the foundation of their practice. Craig’s main focus is on coaching and educating his clients, instead of selling investment products.

As a result, his clients learn how to invest and manage their money effectively and prudently, instead of getting caught in the Wall Street deception that foster gambling and speculating.

Craig is a native of Southern California, residing in Huntington Beach for 25 years. He has 2 boys that he shares with his wife Ellie. Craig attended the University of Nevada on a Football Scholarship and living a healthy lifestyle is integral to his way of life. An avid snow skier, surfer and outdoor enthusiast, Craig’s favorite activity is doing active things with his two sons.

Earl was born in Southern California and grew up in East Orange, New Jersey. In 1985, he returned to California and began his career with New York Life in 1988. With over three decades of experience, Earl has specialized in retirement planning for individuals and small businesses.

He met his wife, Letitia, and together they are celebrating 30 wonderful years of marriage this year. They have three adult children and are proud grandparents to seven grandchildren. Family time is a cherished part of their lives, often spent with their two beloved French Bulldogs, Bentley and Armani.

In his free time, Earl enjoys experimenting with new recipes to share with family and friends and finds relaxation in cycling.

As a financial professional with 18 years of experience - including managing multi-billion dollar budgets and financial plans for a private company—I understand the frustration of feeling lost in retirement planning.

 My path began with my own struggle. Like many people, I was diligently saving but had no concrete plan for turning those savings into reliable income. Fed up with generic calculators and lack of personalized guidance, I decided to take matters into my own hands and learn comprehensive retirement strategies.

 Now I help others take charge of their own retirements and I focus on protecting and growing wealth while ensuring clients never run out of income during retirement. Using my personalized process and proprietary Income Forecaster tool, I provide clarity that transforms financial anxiety into confidence.

 Rather than relying on traditional "ride the market" approaches, I help clients create guaranteed income streams, minimize taxes, and protect wealth from market volatility. I show exactly how their money will work for them, creating a clear roadmap to retirement security.

 My mission centers on three core principles:

- Solving real problems with practical solutions

- Creating personalized strategies tailored to each unique situation

- Providing peace of mind to truly enjoy retirement

 My background in managing billion-dollar budgets has equipped me with skills to tackle both big-picture goals and intricate planning details. I believe your story is unique—so is my approach to your financial future.

 If you're seeking more than generic advice, I'm here to help build a retirement plan that truly works for you.