Begin with a plan

For your goals. For your future.

We believe that good financial planning advice is invaluable—it helps prepare you for whatever life brings. But it is especially important during times of major life change. Our process focuses on you and the priorities, goals, concerns and beliefs that will ultimately impact your financial well-being for years to come. We're here to help you tackle your concerns and embrace the opportunities that can enrich and empower you today and for years to come.

Three people sitting in office

Pursuing your goals together

Our mission is to provide quality strategies customized to your needs. Our goal is to be your primary source of financial advice. To this end, we concentrate our efforts on developing long-term relationships through a commitment to quality client service.

  • Andrew M. Ratner - Profile Photo

    Andrew Ratner

    Senior Vice President–Wealth Management

    Financial Advisor

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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 majority of his career 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 Leadership 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.

     

        • Wealth Advisor
        600 West Broadway
        Suite 2100
        San Diego, CA 92101
      • Thomas Krumenacker - Profile Photo

        Thomas Krumenacker, CEPA, CRPS

        Senior Vice President–Wealth Management

        Financial Advisor

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        Everything changed for Tom after receiving a life-saving liver transplant in 2004. Born with congenital liver disease, this new lease on life renewed his appreciation of family and friends, strengthened his intention to impact his community, and reinforced his commitment toward improving the lives of his clients.

        With more than 28 years’ experience with the global equity markets, Tom began his career with Prudential Securities and joined UBS in 1999. He directs the team's financial planning discipline. By developing a tailored plan specific to each client's financial goals, needs, and risk tolerance, Tom incorporates wealth preservation tactics, retirement planning solutions, and estate planning strategies.

        Tom newest focus is Business Transitional Planning. 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. Tom helps his clients wholly understand the impact that a business transition may have on their personal financial goals. Tom can also provide additional expertise from key specialists in private equity, M & A advisory services, risk management,  and estate planning.

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

        Tom is very active in his community, working with a liver disease support group, and is a board member of The Liver Coalition of San Diego. 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. 

          • State University of New York, B.S. in International Business
          • Certified Exit Planning Advisor
          • Chartered Retirement Plans Specialist℠
          • Wealth Advisor
          600 West Broadway
          Suite 2100
          San Diego, CA 92101
        • Christina Gustin - Profile Photo

          Christina Gustin, CPWA

          Vice President–Wealth Management

          Financial Advisor

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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' athletic teams.

            • UCLA, B.A.
            • Portfolio Manager
            • Wealth Advisor
            600 West Broadway
            Suite 2100
            San Diego, CA 92101
          • Sally A. Bixler - Profile Photo

            Sally A. Bixler, CRPC

            Senior Vice President–Wealth Management

            Financial Advisor

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            With more than 30 years of experience in the financial services industry as both an advisor and as a manager, Sally has a well-honed investment philosophy which she brings to her high-net-worth clients and nonprofit organizations.  In 2007, she was recognized for her more than forty years of volunteerism and was named "A Woman of Dedication" by the Salvation Army. This distinctive honor capped decades of leadership in development and fundraising with some of San Diego’s most well-known organizations including the Sharp-Coronado Hospital Foundation, St. Paul’s Senior Homes & Services Foundation, the Museum of Photographic Arts and Coronado Rotary. 

            Recently Sally was Vice Chair of the Point Loma Association from 2014-2015, an active member of the Investment Committee for St. Paul’s for 8 years, and served as a Director on the St. Paul’s board where she has chaired both fundraising and gala committees.  For six years she was a Trustee and Treasurer of the Museum of Photographic Arts. Sally founded the Imperial Beach Chili & Jazz Festival Association, a non-profit organization that funded youth programs, and served as Past Chairman for the Imperial Beach Community Clinic. 

            Prior to joining UBS in 2010, Sally was a Financial Advisor at Merrill Lynch for twelve years. She also managed the investment program for Peninsula Bank before it was sold to US Bank and was an Investment Officer for six years at San Diego Trust & Savings Bank. She has earned the designation of Certified Retirement Planning Counselor (CRPC) from the College of Financial Planning. Sally is a graduate of the University of Oregon and a native San Diegan.

              • University of Oregon
              • Chartered Retirement Planning Counselor℠
              • Wealth Advisor
              600 West Broadway
              Suite 2100
              San Diego, CA 92101
            • Michael B. Bixler - Profile Photo

              Michael B. Bixler

              Investment Associate

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              Mike has nearly 40 years experience as a Financial Advisor in San Diego starting in 1977 with Merrill Lynch and is now in his 6th year with UBS Financial. Mike is a California native who graduated from UC Berkeley and then earned a Masters Degree at the Naval Postgraduate School in Monterey, California. During his Naval career, he was a carrier-bound pilot based here in San Diego for 11 years. As an involved member of his community, he was elected Mayor of Imperial Beach twice and concurrently served as Chairman and Vice Chairman of SANDAG, the regional Government. Several years later, he was appointed by the Imperial Beach City council to be their Port Commissioner for 8 1/2 years. Mike is dedicated to the Bixler's Wealth Partners team clients with his wife and partner, Sally and to his community.

                • Naval Postgraduate School in Monterey, California, Masters Degree
                  600 West Broadway
                  Suite 2100
                  San Diego, CA 92101
                • Gail Ropson Buechler - Profile Photo

                  Gail Ropson Buechler, CRPC

                  Senior Client Associate

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                  As the Executive Administrator for The RKG Wealth Management Team, 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 over 20 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, in addition to obtaining the prestigious Chartered Retirement Planning Counselor designation. 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 Packers fan. 

                    • University of Wisconsin
                    • Chartered Retirement Planning Counselor℠
                    600 West Broadway
                    Suite 2100
                    San Diego, CA 92101

                  The Year Ahead - Sustainable Investing

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                  Legacy—Wealth for others

                  For needs that go beyond your own—to help you improve the lives of others

                  What will your legacy be?
                  It’s never too early to plan ahead. A Legacy strategy can help you gain more control over your financial future and what you leave behind, so you can move forward with confidence.

                  Learn more at ubs.com/wealthway.

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