Our owner/advisors share an array of industry awards and gold-plated credentials, plus the benefits of 45 years of combined experience. Their diverse backgrounds have given them an objective and independent outlook.
Charles D. Gibson - AAMS®, AWMA(SM), CFP®, ChFC®, CRPS®, MBA President
Chuck is the founder and President of Financial Perspectives and a managing member of Sea Lane Advisory, LLC. He has worked as an investment manager and financial planner since 1997.
With more than thirteen years in the investment management/financial planning industry, Chuck combines a wealth of experience with an extensive emphasis on ongoing research and education.
Before entering the financial world, Chuck worked for a number of Silicon Valley electronics firms over the course of several decades. His engineering background and passion for research has led him to develop unique, risk balanced investment solutions.
Chuck’s day-to-day mission is the creation of custom strategies that enable his clients to meet their financial goals. He was recognized as one of America's Best Financial Planners in 2006, 2009 and 2010 by the Consumers' Research Council of America.
Melanie A. Pelayo - CFP®, CRPC® ® Financial Advisor
Melanie has worked as a financial advisor since 2003. She now specializes in retirement planning and counseling clients to ensure a lifetime of financial security. In particular, she provides solutions in areas such as cash flow/budgeting, debt management, insurance needs, tax analysis, investments, education funding and estate planning.
Melanie has made it her mission to focus attention on the need to save for retirement. She was named one of America’s Top Financial Planners for 2008-2009 by the Consumers’ Research Council of America.
Melanie works with Financial Perspectives clients either on an hourly basis or as part of the full-service asset management program.
Florence Gibson
A co-founder of Financial Perspectives, Florence has more than 30 years of experience in customer service and back office management. Before moving to the finance sector, Florence held of range of client-oriented positions in the semiconductor industry, including Business Planner, Customer Service Representative, Customer Service Manager and Business Analyst.
In her spare time Florence is an avid reader of murder mysteries, a backyard gardener and a camping enthusiast. She is devoted to her family and her cat Mowgli.
Charles D. Gibson
Bachelor of Science in Chemical Engineering– UCSB, MBA–Pepperdine University; Certified Financial Planner (CFP®)– CFP® Board of Standards, Inc.; Chartered Financial Consultant (ChFC®)– American College; Accredited Asset Management Specialist (AAMS®)– College for Financial Planning; Chartered Retirement Plans Specialist (CRPS®)–College for Financial Planning; Accredited Wealth Management Advisor [AWMA(SM)]–College for Financial Planning
Melanie A. Pelayo
Bachelor of Science, Summa Cum Laude–Syracuse University; Certified Financial Planner (CFP®)–CFP® Board of Standards, Inc.; Chartered Retirement Planning Counselor (CRPC®)–College for Financial Planning
Florence Gibson
Bachelor of Science in Business Administration–University of Phoenix