Our Team

Eric Kuhns
Investment Advisor Representative

Phone: 805-386-7470
Mobile/Text: 805-500-0531
Email Eric

Upon completing his degree at the University of Nevada, Las Vegas, Eric began his professional career in corporate sales with American Airlines where, over a nearly ten-year span including the boom times of the dot-com era and the bust period following the tragedies of September 11, 2001, he learned first-hand the value of professional advice when creating an investing and long-term financial plan. It was also while working there that he met his wife, Vickie, who still works for the airline enabling them to travel for fun. However, having both incomes tied up not only in the same industry, but the same company, gave him his first lesson in why diversification is so important.

Eric made a jump to financial services in 2005, joining a boutique investment management firm in Northern California where, now free of a huge corporate structure, he was able to focus on building relationships and providing quality customer service to each client.

Having personally made emotional based investment decisions during times of market volatility (a mistake) but believing that personal guidance was a resource available only for those who had already established wealth, he knew there was a need among his fellow working age people to have access to advice and management at all stages of their careers. Therefore, in 2012, Eric joined The Pacific Financial Group of Bellevue, Washington where, working through local investment advisors, he consulted employees of large employers on how to maximize and manage their 401(k)-type plans.  

Today, as a member of the Monarch Financial Solutions team, Eric enjoys being able to implement everything he has learned thus far to provide working-age individuals and their families with the help and advice he wishes he had access to early on. Good financial planning should begin years in advance of retirement with a personal coach helping to create an achievable plan and then instilling healthy habits and ongoing encouragement.

Eric splits his time between the main Monarch Financial Solutions office and the San Francisco Bay Area where he lives with Vickie and Golden Retriever, Otto. Outside of work his heart is drawn to classic European cars, great food, travel (sometimes combining the previous two on this list) and his two adult daughters, Hannah and Madeline.

Xavier Santana
Investment Advisor Representative

Phone: 805-386-7470
Mobile/Text: 805-221-8611
Email Xavier

Xavier is a financial advisor with Monarch Financial Solutions, where he brings a practical, people-first approach to personal finance. His journey into the financial industry began in an unexpected place—construction. From carpentry work to traffic control, Xavier spent his early career working with his hands and learning the value of hard work and discipline. During this time, he developed a growing interest in personal finance, often listening to Dave Ramsey and exploring how financial principles could change lives.

This curiosity led Xavier to pursue his life insurance license, which opened the door to deeper conversations with family members and co-workers about money, planning, and long-term security. It became clear that many people needed more than just products—they needed guidance. Recognizing this, Xavier felt a strong calling to become a financial advisor. His passion for helping others take control of their financial future only grew stronger.

Xavier eventually connected with Lynn, who became a trusted mentor and played a key role in his professional development. After obtaining his licenses, he joined Monarch Financial Solutions and committed himself fully to serving clients. Xavier believes that with proper planning and the right support, anyone can achieve financial freedom. He works closely with individuals and families to build personalized strategies that align with their goals and values.

Beyond his role as a financial advisor, Xavier is deeply involved in his community and church. For over a decade, he has faithfully served in various ministry roles, leading a group of young men and overseeing an on-campus ministry at a local high school. His heart to help people extends far beyond finances—it’s rooted in a genuine desire to see others grow and thrive.

At home, Xavier finds his greatest joy in spending time with his wife, Victoria, and their daughter, Sophia. Whether he’s at a client meeting, a youth event, or a family outing, Xavier brings the same care, integrity, and dedication to everything he does. His mission is simple: to walk alongside others and help them build the life they were meant to live—both financially and personally.