Our Approach
Throughout our nearly 50 years in the industry we have applied our knowledge and experience to help multi-generational clients focus on a disciplined approach to investing. We believe in knowing our clients and understanding their whole financial life. This allows us to provide the highest quality information and strategies to help them make well-informed decisions and achieve their most important personal goals.
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Choosing a financial advisor is an important fist step in taking control of your future which is why we offer complimentary, no obligation consultations.
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Our Team
OWNER & Financial Advisor
Apryl Waldman
Apry! brings over 20 years of experience in financial services including money managers, hedge funds, and alternative assets. Her career began in San Francisco and has taken her through major financial centers including New York and Seattle, where she gained broad exposure across the investment landscape. Today, she focuses on creating personalized financial plans that reflect each client's unique goals, values, and circumstances. Apryl's approach is rooted in building lasting relationships and delivering thoughtful guidance across all aspects of personal finance-from retirement planning and wealth preservation to education funding and legacy strategies.
Born in San Diego, CA to a Navy family, she traveled extensively growing up but has always considered the West Coast home. Apry! and her husband, Erick, enjoy travel, share a love of sailing and hiking but consider spending time with their 12 nieces and nephews one of their greatest joys.
Apryl holds an Associates degree from the California Culinary Academy.
Licenses
Finra Series 7, 24, 63, 65. RIA
Washington Insurance #1029169
Founder & Financial Advisor
Donna Payne
Born and raised in Chelsea MI, Donna is #3 of 10 children and proudly attended the University of Michigan. In 1959, she married and relocated to Santa Barbara, CA. While raising her two daughters, she began her 50 year career in the financial world. She was quickly promoted and spent 14 years as Manager of Operations with Shearson Hammill, Reynolds Securities and E.F. Hutton. In 1970, she obtained a real estate sales agent license to serve clients as well as her own real estate. In 1981, she became a Series 7 licensed securities broker, licensed insurance agent and spent 10 years building a clientele before joining PaineWebber as a Vice-President of Sales. During this time, she attended University of CA at Santa Barbara and completed a two year course in Personal Financial Planning. In 2004, after several years with A.G. Edwards, she established Montecito Financial Services, recognizing she could better serve her clients as an Independent Advisor. She subsequently attained the Series 24 securities license as a General Securities Principal. Being licensed in Real Estate, Insurance and Securities has allowed Donna to provide her clients with financial planning and solutions for every stage of their lives.
Investment services include: Financial Planning; Retirement Planning; College Planning; Equity Securities; Debt Securities; Real Estate Investment Trusts; Delaware Statutory Trusts; Variable, Fixed and Indexed Annuities; Long Term Care Insurance; Life Insurance.
Licenses
Finra Series 7, 24, 63 and 65
California Insurance #OA15623
