Insight-based advice

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On June 17, 1974, a newly minted graduate of Texas Tech University (BS in Economics and Mathematics) showed up on the doorsteps of Dun & Bradstreet, Inc. hoping to make a difference in the world! Training at Dun & Bradstreet, Inc. was fascinating and opened the doors to the real world of business, accounting, spread sheets, income statements, etc. Being a cub financial reporter, that naïve young woman went boldly forth, learning that what was more important than numbers and facts in evaluating a business was the people running the business. After fifteen years at Dun & Bradstreet, Inc. with stints in reporting, management and sells, it was time to take that business background and join my husband in the financial advisory industry in 1989.

Financial advising is about the relationship. There must be trust and respect between the client and the advisor. Each client is unique and comes from a different background and set of circumstances. One size does not fit all. Each client has objectives, goals, values and risk parameters that are unique to that client. The job of an advisor is to structure an investment program that allows the client and their family to achieve those goals with a risk level appropriate for them.

In a twitter world of lightening speed information and misinformation, communication with clients is crucial. It is imperative to inform, revise, and move forward in view of the changing investment environment as well as the changing personal environment of the client. It is necessary to meet with clients and review the portfolios on an ongoing basis.

• Texas Tech University, BS in Economics and Mathematics

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Armed with a BBA in Finance from Texas Tech University, I began my career in the advisory industry in 1981 at Merrill Lynch when the Dow Jones Industrial Average was trading well under 1000. Over this period of time, we have experienced explosive, volatile markets ranging from "Irrational Exuberance" to severe pullbacks.

Experience has taught me that short term emotions and nervous energy can be great destroyers of wealth. Therefore, our primary focus with every client is to structure a long term investment plan tailored to their specific financial goals. To this purpose, we hold periodic meetings with our clients to keep them informed about changes in the economic environment and to learn of any changes in their goals or priorities.

• Texas Tech University, BBA in Finance

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John Carolyn is a First Vice President—Wealth Management with UBS Financial Services. John joined UBS during the "Tech-Bubble" in February of 2002. It was during that time that John learned the importance of risk management and wealth preservation when managing assets for high net worth clients.

Asset allocation and diversification have proven to both increase returns and lower portfolio risk. However, in 2008 John recognized that those two strategies alone were not sufficient to mitigate prolonged market downturns as virtually every asset class suffered losses. In light of the financial crisis and its effect on the financial markets John co-developed a quantitative risk-management strategy using low-cost exchange traded funds. Back-tested data shows that this rules-based strategy had investors out of the equity markets for the majority the tech-bubble, 2008's financial crisis and the energy sector in 2014.

He is a native Texan and lives in the Meyerland area with his wife Natalie, his son John Dennis and his daughter Libby Grace.

Graduate of New Mexico State University
Licenses: Series 7, 66 and Insurance

• Forbes Best-in-State Wealth Advisors, 2021, 2022, 2023The 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, 2023The 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.

• New Mexico State University

• Senior Portfolio Manager

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Andrew McGee is a First Vice President—Wealth Management with UBS Financial Services.  Andrew joined UBS in 2002 after a career in the energy industry.   

Andrew's focus is on comprehensive financial planning, portfolio construction and finding retirement income opportunities along with assisting clients in areas beyond investing.  As an advisor to high net worth families Andrew understands the importance of assisting clients in preserving their wealth. 

Andrew currently lives in Houston with his wife, Paige.

Graduate of Sam Houston State University Bachelor of Business Admin/Finance
Licenses: Series 7, 66 and Insurance

• Forbes Best-in-State Wealth Advisors, 2022, 2023The 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, 2023The 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.

• Sam Houston State University, Bachelor of Business Admin/Finance

• Certified Exit Planning Advisor
• Senior Portfolio Manager

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Mark Lopez is a Certified Financial Planner™ Professional.  He joined UBS in 2011 three years after winning the silver medal at the Beijing Olympic Games in Taekwondo. As a martial artist, Mark lives by the qualities of integrity, discipline and excellence and applies them to his day to day dealings with the clients he serves. His idea of success as a financial advisor is to fully understand the client, hand carry them in accomplishing their financial goals and exceeding their expectations.

Mark was raised in Sugar Land, Texas where he currently resides with his beautiful wife, Dagmar.

Magna Cum Laude Graduate of the University of St. Thomas
Licenses: Series 7, 66 and Insurance

• Forbes America’s Top Next-Gen (Generation) Wealth Advisors, 2017The Forbes rating is compiled by Shook Research and awarded annually between June and September based on information from a 12 month period ending in March of the award year.
• Forbes America’s Top Next-Gen (Generation) Wealth Advisors Best-in-State, 2018, 2019The Forbes rating is compiled by Shook Research and awarded annually between June and September based on information from a 12 month period ending in March of the award year.

• University of St. Thomas

• Certified Divorce Financial Analyst
• CERTIFIED FINANCIAL PLANNER™

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Cindy Heiser began her career in financial service in 1987 with Rotan Mosle.  Starting out in the Operations Dept., she later transitioned to be a Senior Client Service Associate.  Cindy enjoys working with clients and building long lasting relationships. 

Licenses:  Series 7, 63 and 66

Irene is a Client Service Associate.  She relocated from El Paso to Houston to join the MainStreet Wealth Management Group.

Her experience is in mortgage lending, sales and management with a focus on providing great service to clients.

She is a graduate of the University of Texas El Paso with a Bachelor of Business in Marketing.

In her spare time, she enjoys exploring Houston and traveling to Puerto Vallarta.

• University of Texas El Paso, Bachelor of Business in Marketing