We believe in putting client interests first. To that end, we do not represent investment companies, or accept commissions or other financial benefits for the "sale" of investments. We work directly for our clients in the management of their investments.  We listen to each client carefully, making sure we understand their financial circumstances, income needs, long term goals and dreams. We don't believe in "one size fits all" financial investment. Our recommendations are designed individually to meet each client's personal needs. In our firm, "good business ethics" is not an out dated idea, it is at the core of every decision we make.

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Our Associates

Marshall Goins

Investment Advisor

Marshall is an experienced investment advisor and business executive. He has been a student of the markets for many years and is passionate about helping people achieve their investment goals. Through time, experience and study of the investment “greats”, he's developed an investment strategy that's based on sound business practices and investment principles.

Marshall is a Registered Investment Advisor, Dave Ramsey SmartVestor Pro, and author of two books, Future Freedom—The Reason Why You Must Have a Financial Plan and Business Owner's Complete Guide to Taking Good Care of Your Retirement Plan. He holds a degree in Engineering Physics from Santa Clara University, a California Insurance License, and License series: 63 and 66.

Marshall is also a musician and enjoys serving his community and spending time with his family. He and his wife Carolyn raised four boys in Northern California.

Sarah Ritchie

Director of Client Service

Sarah oversees all aspects of client service.  She is a dedicated professional who enjoys serving the Clarion community.  Her passion is helping others.  One of her favorite things about her job is gift giving.  She loves to recognize clients as they mark life’s milestones.  She is also passionate about personal finance and has been a Ramsey Financial Coach.  She loves to guide people as they walk through the baby steps and ultimately achieve financial freedom.  Be on the lookout for her blog posts addressing all areas of personal finance.

Sarah is a retired elementary school teacher.  She is the mom of three adult children and enjoys traveling with her husband and spending time spoiling their two dogs.

Raquel Freeman-Yoho

Client Service Administrator

Raquel is a Client Service Administrator at Clarion Advisors.  She is an experienced and dedicated administrative professional who is organized and able to multi-task to get the job done.  Raquel is a team player who works well with others, and enjoys helping people.

Prior to joining the Clarion team, she worked for a large Aerospace Company for over 17 years.  Raquel is a veteran who served 4 years honorably in the United States Air Force, where she earned several military awards and recognition for her outstanding service and contributions to our country.  She holds a Bachelor of Science Degree in Business from the University of Phoenix.

Raquel is a native Californian who enjoys spending time with her family, traveling, visiting historic sites and landmarks, movies, attending concerts/shows and sporting events.