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Mario A. Rosas is a co-founding member of the Mosaic Investment Consulting Group located in San Diego, California. He began his banking career with Citibank, N.A. holding various relationship management positions in Manhattan, New York; San Francisco and San Diego, California; in the business segments of Agribusiness and Commodities, Domestic Corporate Banking, International Trade Finance, International Trading Company Activities and the International Private Bank. Over his business banking endeavors he has also spent several years with First Interstate Bank, Bank of America, and the last 18 years with UBS San Diego, California. Mario has extensive business and investment related experience with over 40 years in the financial services industry. Over the 18 years his primary duties include acting as a liaison at UBS in order to provide international clients access to onshore and offshore financial products and services in the areas of investments, lending, investment banking, life insurance, estate and patrimonial planning.

• Forbes Best-in-State Wealth Management Teams, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

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Doug Kincart is a co-founder of the Mosaic Investment Consulting Group, a specialized advisory team based in San Diego.  Doug graduated from the University of San Diego with a degree in both Economics and Finance.  He also received his Masters degree from San Diego State University in Personal Financial and Tax Planning.  Doug began his professional career working in the International office of Merrill Lynch covering both corporate clients as well as leading the planning and investment needs of high net worth families based in the US and abroad.  Doug and his team moved their practice to UBS International in 2009.  Doug is a Certified Financial Planner, Chartered Retirement Plan Specialist, and a Certified Plan Fiduciary Advisor.  With over 27 years of experience in the industry, Doug has deep experience with investment policy development, fiduciary governance, and investment committee procedural process management.

Doug was a previous advisory board member of UBS Retirement Plan Consulting Division that helps to guide policy and direction for the Firm’s Corporate Retirement firm-wide engagement.  Doug is a Senior Retirement Plan Specialist as designated by UBS, and as such makes use of the full resources of UBS platforms, global experience, and thought leadership to assist both corporate and family clients attain their unique goals.

Residing in Point Loma, CA with his wife and 3 children, Doug passionately supports the Challenged Athletes Foundation for over 12 years in their annual philanthropic efforts and participates in their triathlons and other multi day cycling events.  Passionate about competitive water skier Doug is a coach of the University of San Diego Water Ski team. 

• Forbes Best-in-State Wealth Management Teams, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
• PLANADVISER Top Retirement Plan Advisers, 2018The PLANADVISOR rating is awarded in Q1 based on information from Q1 of the award year.

• CERTIFIED FINANCIAL PLANNER®
• Chartered Retirement Plans Specialist℠
• Senior Retirement Plan Consultant

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Over 30 years in financial services industry and over 26 in private wealth management Manages all areas of wealth management client service and operational excellence.

Series 7 and 66; California Life Insurance License

B.A. International Business with emphasis in Latin America, San Diego State University

Languages: English and Spanish

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• Forbes Best-in-State Wealth Management Teams, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

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Carlos Robert graduated in 1988 from "Escuela Bancaria y Comercial" in Mexico City with a Degree in Business later completing his post-graduate studies from "IPADE" and "TEC de Monterrey". He has worked 35 years in areas of the banking and securities industries serving roles including northwest divisional Director of BBVA Bancomer Mexico, Priority Banking Manager for Union Bank in Coronado California and currently as Senior Vice President Wealth Management UBS International. Earlier this year,  Carlos Robert received the International Private Wealth Advisor designation and also actively participates as a member of the IAAC committee.

Carlos Robert has been married for 35 years and has two children. Carlos is passionate and a wine connoisseur currently serving the role of President of the International wine and food society of London Tijuana chapter. In his free time, he enjoys golfing, spending time with his family and traveling.  

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With a robust background in financial planning and retirement solutions, Darin Beeghley serves as a Financial Advisor at UBS, where he is a tenured member of the Mosaic Investment Consulting Group in San Diego, CA.

Darin graduated with a degree in Psychology from California State University, Fullerton, providing a unique perspective on client objectives and behaviors. He began his career in financial services as a Retirement Plan Sales Consultant at Paychex, where he spent 7 years honing his expertise as a 401K specialist before transitioning to his current role as a Senior Retirement Plan Consultant at UBS.

In his role, Darin collaborates with a diversified range of businesses working to simplify the complexities of plan design and assists clients with a range of services, including investment policy development, fiduciary education, investment management, and employee education. In an effort to improve plan health, Darin gives focus to simplifying the concepts of investing for the average retirement plan participant, ensuring that individuals can navigate their retirement planning with confidence and clarity.  Darin carries the designations of Chartered Retirement Plan Specialist (CRPS®), Accredited Investment Fiduciary (AIF®), and Certified Exit Planning Advisor (CEPA®).  His dedication to providing tailored and comprehensive financial solutions helps clients achieve their retirement goals and manage their investment strategies effectively.

Residing in central San Diego with his wife (Sandra), two teenage children (Nathan & Ella), and their Australian Labradoodle (Bowie), Darin is an avid golfer and passionate mountain biker and road cyclist. He enjoys traveling and cherishing time with his extended family in Utah, Phoenix, and Los Angeles.

• Forbes Best-in-State Wealth Management Teams, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
• PLANADVISER Top Retirement Plan Advisers, 2016, 2018The PLANADVISOR rating is awarded in Q1 based on information from Q1 of the award year.

• Chartered Retirement Plans Specialist℠
• Senior Retirement Plan Consultant

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Mario Antonio has worked at UBS for over 6 years. He began his career working as a Client Services Associate in 2018 in the International Wealth Management Division, working with primarily institutional clients. In 2020, Mario moved divisions and worked as a Financial Advisor at the UBS Wealth Advice Center, working with domestic clients on their wealth planning needs. In 2022, Mario moved to the San Diego International office to work as a Registered Client Services Associate, and in December 2023 was hired as a Financial Advisor within the International branch of UBS. Mario holds a Bachelor’s Degree in Business Administration with an Emphasis in Financial Planning from San Diego State University/ Universidad de Alcala (Spain).

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Sylvia Sendoda is a seasoned Wealth Management Associate with over 17 years of experience in the financial services industry. She specializes in developing comprehensive investment strategies and providing personalized financial advice to high-net-worth individuals and families. Sylvia is renowned for her analytical skills, strategic insights, and commitment to client-centric service.

She holds a Bachelor’s degree in Business Administration from Fundacao Getulio Vargas (Sao Paulo, Brazil) and is a Chartered Financial Analyst (CFA) charterholder .

Sylvia is multilingual, fluently speaking English, Portuguese and Spanish.

• Chartered Financial Analyst®

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Jessie Lu is a seasoned professional with 14 years career at UBS. Starting as a Branch Services Associate where she gained a strong foundation in client support and branch operations. Over the next 13 years, she advanced to the role of Senior Branch Office Administrator, where she excelled in managing administrative functions, optimizing workflows, and leading operational improvements. Now serving as a Team Administrator, Jessie utilizes her extensive experience to coordinate team activities, enhance communication, and drive efficiency across the team.

Jessie graduated with a Bachelor of Art in Economics from University of California, San Diego. She currently holds Series 7 and 66 licenses.

Jessie is bilingual, she is fluent in English and Mandarin Chinese.

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Maria Fernanda oversees all administrative and operational support on the day-to-day business activities of the Financial Advisor as well as acting as the liaison of the book of business for clients and prospects focusing on Ultra High Net Worth and High Net worth Domestic and International clients in Latam countries primarily in Mexico. In addition, she also assists and supports the Financial Advisor in client conversations,  conducts onboarding, and compliance KYC and AML processes.

With over 17 years of experience in the financial services industry, Maria Fernanda joined UBS in October 2013. Previously, she worked in the Operations area of LPL Financial as an Operations Specialist Professional, specializing in Cash Management and Corporate Actions. Maria Fernanda graduated with a Bachelor of Science in Business Administration with emphasis in Finance from San Diego State University in 2006. She currently holds series 7 and 66 licenses. She is originally from San Diego and raised in Tijuana, Mexico.

Paola Leal is a current Client Service Associate in the International Wealth Management Division, working with domestic and international clients.  Paola is also part of the Retirement Plan Consulting Team, improving plan health. Paola holds a Bachelor’s Degree in Business Administration with an emphasis in Finance from San Diego State University.

Paola is bilingual, she is fluent in Spanish and English.