Your life. Your wealth. Your future.

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Andrew Ruboyianes, CFP®, discovered a love for finance while growing up in the industry under the wing of his father  (Jim) who has been with what is now UBS for 48 years.  As a youth Andrew was an accomplished athlete, Eagle Scout and The Vice President of National DECA.  After completing an undergraduate degree in communication and business from the University of Arizona, he joined his father at UBS as a financial advisor.  Andrew has gone on to complete the Wealth Advisor designation at UBS and has become a CERTIFIED FINANCIAL PLANNER®™ Practitioner. 

Andrew is married to Alexia who he met at church at an early age.  Together they love to run, cook and spend time with their three children.

• Forbes Best-in-State Wealth Management Teams, 2023, 2024, 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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Robert Lehnhardt brings nearly four decades of experience in the financial services industry, with a career built on deep expertise, trusted relationships, and a commitment to helping families work toward their long-term financial goals. He began his career in 1986 after earning a Bachelor of Science degree in Business Administration from Northern Arizona University.

Prior to joining UBS in 2012, Robert spent 16 years at Merrill Lynch, where he held a variety of leadership and advisory roles. From 2007 to 2010, he served as Associate Resident Director for the Green Valley, Arizona office, providing leadership and guidance while maintaining a strong focus on client service. Earlier in his career, Robert also worked with First Interstate Bank of Arizona, giving him a broad perspective across both banking and investment management.

Robert’s practice is centered on long-term client relationships that are built on trust, understanding, and personalized service. He takes the time to understand each client’s unique situation, allowing him to provide guidance that often extends beyond investment management. His approach is designed to help families navigate financial decisions at every stage of life with confidence and clarity.

He provides clients with core investment strategies complemented by tactical asset allocation, helping them manage risk while pursuing their financial objectives. Through thoughtful planning, disciplined investment strategies, and ongoing communication, Robert works closely with his clients to support their evolving needs and long-term goals.

Robert and his wife, Lisa, reside in Tucson, Arizona. They are actively involved in their church community and enjoy spending their free time exploring the outdoors throughout the Southwest.

• Forbes Best-in-State Wealth Management Teams, 2023, 2024, 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.

• Northern Arizona University, Bachelor of Science Business Administration : 1982 - 1986

• Certified Exit Planning Advisor
• CERTIFIED FINANCIAL PLANNER

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Marnie started in the financial industry in 1997 in Denver, Colorado. In 2005 she moved back to her hometown of Tucson, Arizona where she has gained vast experience in multiple different roles within the industry from various firms as a New Accounts Clerk, Senior Registered Client Service Associate, Administrative Manager, & Senior Wealth Strategy Associate. She is Series 7 and 66 licensed.​
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Marnie has a son named Ryan. She has loved watching him play football since he was 8 years old. She is very active with his high school team Booster Club. In addition, she enjoys volunteering in her local community for the Boys & Girls Club of Southern Arizona & Cards for Kids.​

Lori moved to Tucson in 1999 from Northwest Indiana and has made it her home ever since.  She worked at Davis Advisors for 14 years as a Lead Performance Administrator, she then went on to work in the accounting industry for a local AC company as their Accounts Receivable & Training Specialist.

In 2022 Lori joined UBS as a Customer Service Associate.  She has over 20 combined years in finance and banking.  Lori plays a vital role in overseeing operational tasks, managing client inquiries, and administering accounts. With a dedicated focus on fostering strong client relationships, and exceling in addressing customer needs, and ensuring a seamless service experience. Lori ensures prompt responses to client needs and collaborates closely with her team to meet their requirements, regardless of complexity. Consistently aiming to surpass client expectations,  she actively contributes to delivering tailored services and innovative solutions.

Lori and her husband John met when they were in high school and have 2 grown daughters.  She enjoys spending time with her husband and traveling to as many islands as they can.  When she is not traveling, she is enjoying a concert with friends, or spending time with her family.

Veronica Heideman earned her degree from the University of Arizona and currently resides in Tucson with her husband, an attorney, and their two sons, Harry (13) and Charlie (11), both enthusiastic basketball players. Originally from Urbana, Illinois, Veronica brings a strong Midwest foundation and a deep commitment to professional excellence.

She dedicated 15 years to the field of mathematics education, where she served as Department Head and as a member of the administrative leadership team. During her tenure, Veronica was honored as Teacher of the Year and played a pivotal role in advancing instructional quality through professional development, serving as both a facilitator and instructional coach. 

Veronica is now excited to transition into the financial services industry as a Client Associate. She brings with her a strong foundation in relationship building, strategic communication, and client‑centered service-skills honed through years of guiding students, families, and colleagues. Veronica is passionate about supporting clients with care, precision, and professionalism as they work toward their financial goals.