Financial planning tailored to your goals

2023 Team

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.

Co-workers in a lobby

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.

  • Andy032023

    Andrew Ratner

    Senior Vice President–Wealth Management

    Financial Advisor

    • image
    • image
    • image
    • AL
    • AZ
    • CA
    • CO
    • CT
    • DE
    • FL
    • GA
    • HI
    • ID
    • IL
    • LA
    • MA
    • MD
    • MI
    • MN
    • MO
    • MT
    • NC
    • NE
    • NJ
    • NM
    • NV
    • NY
    • OR
    • PA
    • SD
    • TN
    • TX
    • UT
    • VA
    • WA
    • WI

    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.

     CA Ins. Lic. #0A16102

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

      • Wealth Advisor
      600 West Broadway
      Suite 2100
      San Diego, CA 92101
      andrew.ratner@ubs.com
      Andrew Ratner
      600 West Broadway,San Diego,CA,92101
    • Tom0322023

      Thomas Krumenacker, CEPA, CRPS

      Senior Vice President–Wealth Management

      Financial Advisor

      • image
      • image
      • image
      • AL
      • AZ
      • CA
      • CO
      • CT
      • DE
      • FL
      • GA
      • HI
      • ID
      • IL
      • LA
      • MA
      • MD
      • MI
      • MN
      • MO
      • MT
      • NC
      • NE
      • NJ
      • NM
      • NV
      • NY
      • OR
      • PA
      • SD
      • TN
      • TX
      • UT
      • VA
      • WA
      • WI

      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 30 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. 

      CA Ins. Lic. 0B93138 

      • Forbes Best-in-State Wealth Advisors, 2024The Forbes rating is compiled by Shook Research and awarded annually in April based on information from a 12 month period ending June of the prior year.
      • Forbes Best-in-State Wealth Management Teams, 2024The 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.

      • 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
      thomas.krumenacker@ubs.com
      Thomas Krumenacker, CEPA, CRPS
      600 West Broadway,San Diego,CA,92101
    • Christina032023

      Christina Gustin, CPWA

      Senior Vice President–Wealth Management

      Financial Advisor

      • image
      • image
      • image
      • AL
      • AZ
      • CA
      • CO
      • CT
      • DE
      • FL
      • GA
      • HI
      • ID
      • IL
      • LA
      • MA
      • MD
      • MI
      • MN
      • MO
      • MT
      • NC
      • NE
      • NJ
      • NM
      • NV
      • NY
      • OR
      • PA
      • SD
      • TN
      • TX
      • UT
      • VA
      • WA
      • WI

      As a principal partner with RKG Wealth Management, Christina constructs thoughtful, tailored financial solutions that help individuals and families accomplish their goals. With a disciplined financial planning process at the core of her approach to investment management, Christina offers calm, clear and confident advice.

      Christina began her career with Goldman Sachs in New York City and  joined UBS in 2005. She offers clients a holistic perspective that includes portfolio management, retirement planning, banking and lending services, multigenerational investment education and charitable giving strategies. Christina has published commentary on personal finance for both national and local print, television, and radio. She is dedicated to addressing the unique challenges that face women investors, and has hosted an innovative series of educational events with a mission to empower women financially.

      Christina is committed to giving back to her community and is a past member of The San Diego Rotary Club. She has served as the President of the Board of Directors for Outside the Lens, and volunteered at 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.

      CA Ins. Lic. #0K53908

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

      • UCLA, B.A.
      • Portfolio Manager
      • Wealth Advisor
      600 West Broadway
      Suite 2100
      San Diego, CA 92101
      christina.gustin@ubs.com
      Christina Gustin, CPWA
      600 West Broadway,San Diego,CA,92101
    • GailSM

      Gail Ropson Buechler, CRPC

      Senior Client Associate

      • image
      • image
      • image
      • CA

      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
        gail.buechler@ubs.com
        Gail Ropson Buechler, CRPC
        600 West Broadway,San Diego,CA,92101
      • AnalisaSM

        Analisa McGuffie

        Client Associate

        • image
        • image
        • image
        • CA

        As a newly registered Client Service Associate with the RKG Wealth Management team, Analisa provides the superior service our clients have come to expect with respect to all  Administrative Operations including account initiation, documentation and maintenance as well as cash flow management.

        Analisa graduated from the University of Arizona in Tucson, Arizona where she earned a degree in Business Management. She is originally from San Diego and has returned to launch her career, where her personal goal is to continue expanding her education outside of the academic environment. To that end, she recently obtained her Series 7 General Securities Representative and Series 66 Uniform Combined State Law licenses.

         In Analisa’s free time, she enjoys reading and exploring different coffee shops around San Diego.

              600 West Broadway
              Suite 2100
              San Diego, CA 92101
              analisa.mcguffie@ubs.com
              Analisa McGuffie
              600 West Broadway,San Diego,CA,92101
            • David Cynkin

              David Cynkin

              Client Associate

              • image
              • image
              • image
              • CA

              The newest member of The RKG Team, David assists with all administrative matters including account initiation and maintenance, and funds and securities transfers as well as investment and insurance policy research.

              David is a recent graduate of the Lundquist College of Business Honors Program at University of Oregon, where he obtained a Bachelor of Science in Business with a minor in Economics. Since joining UBS in the summer of 2023, David has also completed his Series 7 General Securities Representative and Series 66 Uniform Combined State Law exams.

              Outside the office, David enjoys surfing, snowboarding, hiking, travel, and running with his dog Shelby.

                    600 West Broadway
                    Suite 2100
                    San Diego, CA 92101
                    david.cynkin@ubs.com
                    David Cynkin
                    600 West Broadway,San Diego,CA,92101

                  Why does A.I. in space matter?

                  Outlook on interest rates

                  Tree

                  UBS and Credit Suisse—stronger than ever

                  Global Wealth Report 2024

                  Crafted wealth intelligence

                  Now in its 15th edition, the Global Wealth Report 2024 offers you leading insights into household wealth and prosperity across the world. In the US, average wealth growth has spiked from 3.7% between 2000 and 2010 to nearly 6.3% between 2010 and 2023.

                  Gain additional insights into the trends shaping wealth in the US and around the world.

                  Download the report

                  A leader in wealth management

                  Backed by the strength of our parent company, UBS AG

                  $5.8+ trn

                  UBS Group invested assets
                  As of 03/31/2024

                  51 countries

                  Our global footprint

                  Global leader

                  UBS is a leading and truly global wealth manager

                  Insights