Our teamwork approach allows us to address the unique challenges, needs and objectives of each client with a broad perspective.
Chartered Benefits Consultant
CA License #0C38122
Andrea began her career in health care in 1987. Her focus is helping clients develop a clear, proactive and strategic vision that leverages employee benefits and risk management. She guides analysis, client relationships and implementation of various coverage options. Andrea is married and has two daughters. Outside office interests include antiquing and interior design.
Document Control Specialist
Eileen has over 25 years of experience in operations and quality assurance and is responsible for the administration and processing of documents and data management systems. Originally from the Bay Area, she and her husband Randy moved to Sacramento to raise their three daughters. She is a freelance photographer when she’s not sewing, crocheting, baking, or running marathons.
401(k) & Retirement Plan Specialist
CA License #0D33154
Karin specializes in assisting organizations to optimize the structure and utility for their retirement programs. Karin began her career at John Hancock Life Insurance Company, in Boston MA in their retirement division. Later, she served as a Senior Relationship Manager with ING Financial Advisors for seven years where she consulted on over 200 retirement plans representing an excess of $350 million in assets. She takes pride in her high level of client service, her full fee disclosure, and the excellent financial education she provides clients to help them with their decision-making.
Karin holds a BA degree in Marketing from the University of Texas at Austin. Outside of work, Karin has been involved as a contributor and member of various non-profit organizations in her community. Karin is involved with her church, enjoys soccer, traveling, sailing, food and wine.
Registered Representative / Life Insurance Specialist
CA License #0G06532
Ryan has 10 + years of experience in the life insurance industry. He is a ten-year member of the Million Dollar Round Table (MDRT), an international, independent association of the world’s leading life insurance and financial services professionals. He has been a member of MDRT’s premier “Court of the Table” for six years. In 2013,2014 and 2015 he qualified for the highest level of membership, “Top of the Table”. Ryan holds his Insurance License for Life and Health.
Ryan lives with his wife Stacey and children Charlie and Sam. When he is not chasing them around, Ryan likes to chase golf balls across local courses. Ryan and Stacey support the Make-A-Wish Foundation.
Tim Murphrey, JD, CPA, CFP®
Certified Financial Planner®
CA License #O722310
Tim is the founder of Capital Wealth Management, a preeiminent wealth advisory firm providing clients comprehensive financial planning, disciplined investment strategies and proactive personal service. Prior to entering the wealth management field, Tim worked as a CPA for Ernst & Whinney (now Ernst & Young). As a financial advisor, Tim earned the Chartered Life Underwriter (CLU), Certified Fianancial Planner (CFP) and Chartered Financial Consultant (ChFC) designation. In 1998, Tim completed Law School, expanding his wealth management practice to include Living Trusts and estate planning. Tim is a respected speaker and investment strategist and ranks in the top 1% of all investment advisors, evidenced by his membership in the prestigious Top of the Table industry association.
Registered Client Assistant
CA License #0737697
Steven has worked in the industry for more than 26 years. His main duties include new business processing and client servicing. He maintains his Series 7 and Series 65 securities licenses in addition to his CA life and disability insurance license. Steven graduated from San Francisco State University with a BS in Business Administration. He lives happily in the Foothills with his wife, Anita and their dog, Oliver. He spends his free time as an amateur astronomer and is an avid audiophile and target shooter.