Who We Are

CA Insurance License #0H09586

James is President and CEO of Palm Coast Wealth Management. James is a Certified Financial Planner (CFP®) and has been in the business since 2008. He is a seasoned Financial Planner with comprehensive experience in guiding individuals and businesses toward their financial goals.

With a deep-rooted passion for educating clients, James helps empower his clients to make informed decisions. James has cultivated a reputation for providing comprehensive and strategic financial advice tailored to individual needs. His extensive expertise spans investment management, retirement planning, income planning, estate planning, insurance planning, and risk management. James believes in a holistic approach, working closely with clients to understand their goals, needs, and aspirations in crafting personalized financial roadmaps to achieve them.

Throughout his career, James has demonstrated a commitment to excellence and a dedication to staying abreast of the ever-evolving financial landscape. His astute insights, coupled with a client-centric focus, have earned him a high level of trust within the industry.

James is driven by a mission to demystify complex financial concepts, ensuring clients feel confident and empowered in their financial decisions. His wealth of experience and dedication make him a valuable asset to anyone seeking financial stability and growth.

Sarah is a driven and accomplished professional with a passion for finance and a commitment to excellence. Graduating with summa cum laude honors from California State University, Bakersfield, she earned her degree in Business with a concentration in Finance, laying a solid foundation for her career aspirations.

With a clear vision of becoming a Financial Planner, Sarah is diligently working towards obtaining her license to become an advisor herself. Her dedication to the field is evident in her years of experience supporting successful advisors, where she has consistently contributed to providing exceptional service to clients. Motivated by her goal to make a positive impact on the financial well-being of individuals and families, Sarah is poised to thrive as she continues to pursue her professional aspirations.

When not fully immersed in her professional pursuits, Sarah finds joy in diverse hobbies. A passionate seeker of knowledge, she delves into podcasts, exploring topics from business to personal development. As a dedicated Angels baseball fan, she relishes the electric atmosphere of live games. She loves to travel with her husband, aiming to visit every baseball stadium in the USA.

Pascal serves as the Outsourced Chief Investment Officer for Palm Coast Wealth Management, bringing a level of investment understanding and sophistication to our clients which few other firms can provide. He is an expert in investment portfolio construction, investment risk management and macro-economic research.

Pascal works with SMArtX Advisory Solutions and previously was a Senior Financial Analyst at Mercer Park LP, Director of Risk Management at Cedar Ridge Partners and Chief Risk Officer and the Director of Quantitative Research for the Rock Maple Funds. His experience also includes working at JP Morgan Securities, Deutsche Bank and Lloyds Bank.

Pascal is a frequent speaker at hedge fund conferences, seminars, and round table events, both domestic and abroad. Pascal received a BA and an MBA in Finance from The American University, Washington, DC.

Josh develops investment solutions that emphasize thoughtful asset allocation. His primary focus is on outcome-oriented investing, an approach that combines clients’ end-goals with investment solutions to increase the probability of clients being able to achieve their goals. Josh’s passion for finance and investing, which began during his college years at Brigham Young University, fuels his commitment to helping clients achieve financial freedom. “I enjoy seeing clients find financial freedom, allowing them the flexibility to pursue their passions,” Josh says. He believes that providing comprehensive financial solutions is key to helping clients pursue long-term financial goals.

Josh most recently worked as the Deputy Chief Investment Officer at Orion Wealth Advisors, a technology and asset management solution for financial advisors with $70bn+ in assets. At Orion, Josh managed the OCIO platform investments with 10bn+ in assets, ran multiple strategies across equity and fixed income, and pioneered an alternatives platform. One of his favorite achievements includes building a 1bn+ fixed income SMA solution for clients that included six core strategies with differing credit and duration targets. Josh co-chaired multiple investment related committees on top of being a key member of multiple firmwide committees, including the Investment Committee and Products Committee.

Josh began his career at Goldman Sachs, spending four and a half years as an analyst and then associate in the Credit Research Group. His coverage included central counterparties, financial institutions, and the oil and gas industries across Central and Eastern Europe, the Middle East, and Africa. He then joined Ensign Peak Advisors, where he specialized in fixed income for two and a half years, focusing on financial institutions, real estate investment trusts, and healthcare industries. He holds a Series 65 license and holds a Chartered Financial Analyst designation.

Outside of his professional work, Josh is committed to his community. He is the past president of the Salt Lake Chapter of the BYU Management Society and the CFA Society Salt Lake. He currently volunteers as the chair of programming for the CFA Society Salt Lake and is actively involved as a youth church leader. Josh considers community involvement an essential aspect of personal and professional success and believes giving back is a fundamental responsibility.

Originally from Hailey, Idaho, Josh now lives in Draper, Utah, with his wife, two sons, and daughter. In his spare time, he enjoys reading, camping, hiking, and exploring national and state parks.

Throughout her career, Morgan has worked intimately with myriad investment managers, SMA accounts, and personally auditing the investment portfolios of her wealth management clients to provide the best risk adjusted portfolios aimed at suiting her clients long term objectives. This background inspired her to develop a best in class approach to asset allocation through in-house managed portfolio solutions and the creation of a best in class Investment Management Team.

Thoughtfully woven into the investment threads and research provided to provide the best outcome oriented returns possible for clients is a keen eye for compliance practices, that Morgan continues to hone through her work as a FINRA arbitrator, helping regulators resolve industry disputes. This is seen as a high honor for the organization, as they represent and protect investors who have filed disputes. This accolade is just part of a long list of accomplishments for Morgan. By the time she became an arbitrator, she had already passed her Series 7, 66, 9 and 10 exams, and she had achieved her CERTIFIED FINANCIAL PLANNER^® certification. When she is not knee deep running numbers and models, Morgan can be found trail running in Park City, UT or spending time with her family and their two large maine coon cats.