Born May 4, 1959, attended the United States Air Force Academy, Colorado Springs, Colorado, received a BS in Management and Engineering. Mr. Sandoval also earned his Masters in Business Administration in Finance and Marketing from Ohio State University, Columbus, Ohio. Mr. Sandoval is a member of the Coachella Valley Estate Planning Council and a Lt. Colonel in the United States Air Force Reserve - Air Force Academy Liaison Officer and member of the Air Force Academy’s Board of Visitors. Mr. Sandoval holds the following licenses from the Financial Industry Regulatory Authority: Series 7 General Securities Representative, Series 63 State Law Exam, Series 65 Uniform Investment Advisor Law Exam. Mr. Sandoval is also licensed as a life, health and variable annuity representative with various insurance companies and in various states. Prior to joining the firm in May of 2002, Mr. Sandoval served as Senior Vice President for Merrill, Lynch, Pierce, Fenner and Smith, 2/89 to 5/02.