William is originally from London, England and has worked in many different fields, including as an adviser to a British Prime Minister, as a TV spokesperson on disability rights issues and more recently, as a writer and producer for film and television. Since coming to America several years ago, William made one movie that was released in the pandemic and then pivoted to a new career as a financial professional. William is currently a Marketing Director at World Financial Group, is licensed in 16 states and has recently become a Certified Financial Fiduciary. 

Ngoc’s story is truly inspiring, showcasing her remarkable journey from a career in education to becoming a Certified Financial Fiduciary®, National Social Security Advisor®, and Retirement Income Strategist. Her transition highlights her courage and adaptability, merging her passion for education with her expertise in the financial industry. With a Master’s in Education Administration and 18 years in the public school system, Ngoc’s shift represents a pivot toward helping pre-retirees and retirees navigate the complexities of the decumulation phase in retirement planning.

Her involvement as a Co-Producer in the thought-provoking documentary, “The Baby Boomer Dilemma,” further illustrates her dedication to education by raising awareness about the critical issues in retirement planning. Her focus on ensuring a safe, secure, and stress-free retirement demonstrates her commitment to improving people’s financial well-being, especially during their later years.

Born in Vietnam, Ngoc experienced the turmoil of war firsthand, escaping its perils on a fishing boat with her family at the age of five. This challenging journey instilled in her a deep sense of empathy and understanding for those who have faced adversity and overcame hardships. Despite the demands of her professional life, she has been a devoted full-time single mother since her son was 6 months old and cherishes their quality time together. Her dedication to education, financial empowerment, and compassion for others is a testament to her resilience and determination.  

Diligent and persistent by nature, Marcus’ commitment to his clients starts with the highest standard of ethics. For him, it isn’t just about business because he cares about each one of his clients and conducts business with them like they are family. He strives to always provide them the best service possible and the right strategies to ensure their long-term success.

Marcus’ expertise lies in his ability to deduce the best pathway possible for clients. Nothing feels better to him than knowing he’s helped his clients fulfill their immediate and long-term needs. He appreciates their confidence in him as a go-to resource throughout such a sensitive process and believes it to be an honor to do so.

Ike is a Certified Financial Fiduciary and for over two decades has been helping individuals and businesses navigate the intricate world of finance and investments as an experienced Insurance Asset and Retirement Advisor. His proficiency in financial planning, tax management, and asset protection allows him to create tailor-made solutions that cater to the individual requirements of our clients.

 His approach involves collaborating closely with families, individuals, and businesses to develop comprehensive financial strategies that align with their long-term goals and objectives. Whether it involves planning for retirement, preserving wealth, or estate planning, he offer personalized strategies that enable our clients to achieve financial security and peace of mind.

 As a life insurance agent, he is also aware of the importance of safeguarding what matters most. He works with our clients to identify their insurance needs and suggest suitable policies that can help protect their loved ones and assets. Whether it's term life insurance or permanent life insurance, he provides a range of options that offer financial protection and peace of mind.

 His dedication to excellence and client satisfaction has earned him a reputation as a reliable advisor and partner. He takes pride in delivering personalized service and building long-term relationships with our clients. Whether you are an individual or a business owner, he is available to assist you in achieving financial success and security. Schedule a consultation and learn more about how he can help you achieve your financial goals.

Honors & Awards

• Million Dollar Round Table
• President’s Round Table
• Honor Club
• Ambassador Club
• Joint Chiefs of Staff Honor

Ed began his career in the financial services industry in 2001 after graduating from the University of  Southern California. As a Market Risk Management Specialist, he educates his clients by providing them with easy-to-understand information that allows the client to put in perspective decisions that will have a significant impact on their retirement income. Ed's specialties include:

Tax-Free Roth Conversions

Tax Reduction Strategies

Retirement Planning                                                

IRA & 401k Plans

In addition to his career, Ed serves in Christian Ministries by serving in projects that reach out to those that are seeking inspiration in a Higher Power.

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.

Tim Smith is the Founder and Senior Advisor at NorthPoint Retirement.

With a deep understanding of federal benefits and a passion for helping, Tim has earned a reputation as an industry trusted advisor to federal and non-federal employees. His personalized approach and extensive knowledge ensure each client receives a tailored retirement plan that maximizes their benefits and financial security. www.NorthPointRetirement.com