Andrew Ratner is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 63 designation and 39 years of industry experience. He has been with UBS since 1994. Outside of his advisory role, he serves on the boards of the National Conflict Resolution Center and the Jewish Community Foundation, where he also chairs a committee, and participates in the finance committee of La Jolla Country Day School. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Carlos Alonso is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he is a trustee of a family living trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Magdiel Delgado is a Series 66-credentialed financial advisor with nine years of industry experience, currently serving at UBS Financial Services since 2018. Prior to UBS, he worked at BBVA Wealth Solutions and BBVA Securities, as well as COMPASS Bank. Delgado is also an employee of an affiliated bank where he is authorized to offer banking products and services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, delivering advisory work through a network of advisors supported by proprietary research and model-based asset allocations.

Lisett Didonatoyoung is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses. She has 27 years of industry experience, including over a decade at UBS Financial Services and UBS International Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and alternative investment products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client strategies.

Yueh Ling Hsiung is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, and has four years of industry experience. Prior to joining UBS in 2021, Yueh worked in various roles including at Villa Rancho Bernardo and Nekter Juice Bar. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory services, combining institutional trading capabilities with wealth management through proprietary research and model-based asset allocations.

Mario Rosas is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with UBS Financial Services since 2010 and has worked with UBS International Inc. since 2006. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Richard Duarte is a financial advisor with UBS Financial Services who holds Series 63 and Series 65 credentials and has 28 years of industry experience. His prior employers include Morgan Stanley Private Bank and Wells Fargo Advisors. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and manages a broad range of capital markets activities.

Courtney Liddy is a financial advisor at UBS Financial Services with 32 years of industry experience. She has been with UBS since 2013 and holds Series 63 and Series 65 credentials. Outside of her advisory work, she is a fractional owner of an airplane through Piper One Media LLC. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory solutions, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services to offer a broad range of investment products and capital markets services.

Joshua Stein is a Series 66 licensed financial advisor at UBS Financial Services in San Diego, CA, with 12 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor financial plans.

William Garber is a financial advisor with UBS Financial Services in San Diego, CA. He holds a Series 66 designation and has 14 years of industry experience, including 13 years at UBS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Christopher Schierhorn is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2017. He has eight years of industry experience, including three years at Hein and Associates LLP prior to joining UBS. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.