Experience Makes all the difference

Through knowledge and understanding, we've earned our clients' trust and created strong relationships across generations of families. Our team offers planning and portfolio management focused entirely on you, your family, and your business. With extensive financial experience, we manage over $900 million in assets.

Whether your goals include retirement income planning, wealth transfer and preservation, a significant business transition, or a tax-efficient estate plan, we'lll deliver a disciplined strategy and dedicated service every step of the way. We're committed to building long-lasting relationships by helping you make confident, insightful financial decisions.

 

Andrew M. Ratner

Senior Vice President - Wealth Management
Financial Advisor
Wealth Advisor
619-557-4758
andrew.ratner@ubs.com

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Andy's interest in the financial markets began at the young age of 16, when he started riding his bike to the local Merrill Lynch office each day. There, a young broker allowed him access to the office research, and he soon opened his first trading account. When he moved to California, he became a commodities broker and then transitioned to M.L. Stern, a municipal bond firm, where he found his passion for muni bonds. He has spent the past 23 years at UBS, formerly Paine Webber, building income portfolios. His philosophy, honed over many years, is that the consensus can be wrong, and following the crowd is not the way to succeed. 

Andy has a deep seated commitment to his community. He has been an active volunteer and catalyst for change at many organizations, strengthening and improving each through his leadership. His roles have included President of Big Brothers Big Sisters of San Diego County, Investment Committee Chair at organizations such as the Jewish Community Foundation, Treasurer at the United Jewish Federation, Chair for Development at the National Conflict Resolution Center, and member of the Board of Directors at various San Diego and national organizations. He is also affiliated with Jewish Family Services, the National Leaership Cabinet of UJC, and Congregation beth Israel.

His professional education and achievements include: Attendance at the University of Michigan, recipient of The Foster Young Leadership Award (1997), recipient "Man of the Year" award, Big Brothers Big Sisters of San Diego County (2002), and he has been certified by the Jewish Community Foundation of San Diego as a Trusted Charitable Advisor (TCA) (2018).      

Outside the office: Andy and his wife Marcie have two children, Cassidy and Harrison. He enjoys coaching his childrens' sports teams, travel, and time at the beach.

 


Registered States:
AK, AL, AZ, CA, CO, CT, DE, FL, GA, HI, IL, KS, MA, MD, ME, MI, MO, NC, NE, NJ, NM, NV, NY, OH, OR, PA, TN, TX, UT, VA, WA, WI


Thomas Krumenacker

Senior Vice President - Wealth Management
Financial Advisor
Chartered Retirement Plans Specialist (CRPS®)
Certified Exit Planning Advisor (CEPA)
Wealth Advisor
619-557-4787
thomas.krumenacker@ubs.com

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Everything changed for Tom after he received a life-saving liver transplant in 2005. Born with a congenital liver disease, this new lease on life renewed his appreciation of family and friends, increased his intention to have an impact on his community, and gave him an even stronger commitment toward improving the lives of his clients.

Tom currently has more than 20 years of experience with the global equity markets. He began his career with Prudential Securities in 1994, and joined UBS in 1999. He directs the team's financial planning discipline. By taking the time to develop a tailored plan that is specific to each client's financial goals, needs, and risk tolerance, Tom incorporates wealth preservation tactics, retirement planning solutions, and estate planning strategies.

Given the many factors that are required for a smooth and successful sale, acquisition, or transition of a business, Tom encourages his clients to work with him well ahead of the event. He has extensive experience working with owners and potential buyers and their families from the initial stages of planning through assessing ownership structures to obtaining financing. Importantly, Tom helps his clients wholly understand the impact that a business transition may have on their personal financial goals. Should your needs require, Tom will also provide you additional expertise and insight from key specialists in private equity, M & A advisory services, risk management, business succession, and estate plannning.

Education and Professional Achievements:  Tom earned a B.S. in International Business from State University of New York. He has obtained the title of Portfolio Manager, and has received the prestigious Wealth Advisor and Chartered Retirement Plans Specialist (CRPS) designations, as well as the Certified Exit Planning Advisor (CEPA) title.

Tom is very active in his community, working with a support group that counsels patients with liver disease, and is a former American Liver Foundation Board member. He is an avid distance runner whose inspiring story was featured in the December 2011 edition of Runners World magazine. A Long Island native, Tom and his wife live in San Diego with their daughter and two sons. 


Registered States:
AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IL, KS, MA, MD, ME, MI, MO, NC, NE, NJ, NM, NV, NY, OH, OR, PA, TN, TX, UT, VA, WA, WI


Christina Gustin

Account Vice President
Financial Advisor
Portfolio Manager
Wealth Advisor
619-557-4790
christina.gustin@ubs.com

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As a principal partner with RKG Wealth Management, Christina is passionate about constructing thoughtful, tailored financial solutions that help individuals and families meet their goals. With a disciplined financial planning process at the core of her approach to investment management, Christina offers calm, clear and confident advice. Focused specifically on the unique challenges that face women investors, she has offered commentary on financial issues for print, television, and radio.

Christina graduated Cum Laude with a B.A. from UCLA, then began her career with Goldman Sachs in New York City. She joined UBS in 2005 and is dedicated to offering a holistic perspective that includes portfolio management, retirement planning, banking and lending services, multigenerational investment education, and charitable giving strategies. Her professional achievements include published commentary in The New York Times and The Times of San Diego, as well as featured commentary on The Big Biz Show. She has made appearances on NBC San Diego and KUSI News, and was a finalist for the San Diego Business Journal Women Who Mean Business Award in 2013, 2014, 2015, 2016, and 2017, as well as a San Diego Magazine Woman of the Year Award finalist in 2015, 2016, and 2017. 

Christina is committed to giving back to her community and is a proud member of The San Diego Rotary Club. She is President of the Board of Directors for Outside the Lens, and is an active volunteer at both The Monarch School and with The UCLA Alumni Mentor Program. She is enthusiastic about supporting the arts, and has been involved with The Art San Diego Contemporary Art Fair, San Diego Museum of Art, MCASD, and ARTS. Christina and her husband live in San Diego with their two sons, and enjoy the beach, travel, and supporting their sons' atheltic teams.


Registered States:
AK, AL, AZ, CA, CO, CT, DE, FL, GA, HI, IL, KS, MA, MD, ME, MI, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OR, PA, TN, TX, UT, VA, WA, WI


Juan Carlos Cordero

Wealth Strategy Associate
619-557-4717
juan.cordero@ubs.com

With a strong analytical background and a focus on risk control, Juan Carlos enhances the RKG team by providing meticulous asset allocation strategies, sophisticated investment research, custom tailored performance analysis, and insightful financial planning. He expertly analyzes the global markets and the decisions of leading money managers to help our clients successfully navigate rapidly changing opportunities in the markets.

Previously a Financial Advisor with Morgan Stanley, Juan Carlos joined UBS in 2015. The attention to detail, preparedness, and risk control he found so crucial as an Aviation Search and Rescue Swimmer now form the core of his work ethic, and the gratification he found assisting others in that capacity has translated into the reward he experiences in assisting our clients in their financial well-being.

Juan Carlos is an active member of The Knights of Columbus and The Navy League, where in 2014 he presented letters of recognition to the sailors of the HSM-45. He belongs to ALPFA - Association of Latino Professionals in Finance and Accounting. During his time off he enjoys being an active father, playing sports and swimming at the beach with his son. 


Registered States:
CA, WI


Gail Ropson Buechler

Registered Client Service Associate
619-557-4791
gail.buechler@ubs.com

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As the Executive Administrator for RKG Wealth Management, Gail is responsible for overall practice and relationship management, custom marketing, investment implementation, and individually tailored portfolio analysis reporting. With a demonstrated proficiency in effectively leveraging all of the resources available to the team and the Firm, she assists our clients in preserving their legacies and provides an exceptional, personal financial concierge-level experience. 

Gail has more than 16 years experience in the financial services industry, beginning with Kidder, Peabody & Co. - a predecessor of UBS- where she held Wire Operator and Operations Manager positions. After leaving the industry for a period to raise a family, Gail joined UBS in 2011. 

A University of Wisconsin alumnus, Gail holds her Series 7 and 66 licenses. Believing in the importance of community involvement, she supports The Make a Wish Foundation, Connor's Cause for Children, and The Monarch School. She is the mother of three young adults, and resides in La Jolla. Outside of the office, she enjoys international travel, and is an avid Green Bay Packer fan. 


Registered States:
CA


Patricia A. Mansour

A go-getter who speaks three languages fluently, Patricia manages many aspects of team operations. She specializes in cash flow management and account initiation, documentation, and maintenance. In addition, Patricia is instrumental in helping to establish annuities and other insurance products, as well as ongoing policy analyses.

With more than 10 years of industry experience, Patricia was previously with Duetsche Bank, Morgan Stanley, and First Republic Bank. She joined UBS in 2007, first as a Branch Office Administrator in Chicago and Beverly Hills before joining the team.    

Patricia holds a degree in liberal arts and science, and dedicates her volunteer time to organizations that benefit seniors and homeless children such as House of Lebanon and Assistance League of San Diego. Born in Lebanon, Patricia resides in the Carmel Valley area. She enjoys traveling, cycling, going to the gym, and spending time with friends and family.