Wealth advice for your life's goals

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Rick knows that what he does for a living is important. Clients need financial guidance, empathy and the kind of wisdom one often reserves for close friends and family. That’s why Rick sees it as his duty to keep clients on track to achieve life goals, whether it’s college education for children and grandchildren, creation of wealth to live a comfortable and productive lifestyle, funding a worry-free retirement, establishing a multigenerational legacy for family or sharing one’s wealth to help others. Rick’s job is to help clients turn these dreams into reality.

That takes a disciplined investment process that is uniquely tailored to each client’s needs. Lasting relationships are built upon a proven track record and a reputation for always doing the right thing for clients. Rick prides himself for urging clients to be patient, and not to succumb to emotions when markets are volatile. Advocating an approach based on diversification and asset
allocation, Rick likes to remind clients that successful investing is a marathon, not a sprint.

Rick’s vision for The Cyphers Dubey Domian & Payne Group is to serve the complex needs of ultra high net worth individuals and their families. With the help of Rick’s leadership and ongoing mentorship, the multigenerational team provides an integrated approach to wealth planning, a disciplined investment process and an elite level of personal service.

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With more than 10 years of financial services experience from MetLife and Wells Fargo Advisors, Arancha now co-manages with Jessica Perry our administrative and operational needs.  She strives to ensure they are processed accurately and quickly by handling the day-to-day administration of accounts, including opening new accounts, updating information, managing money transfers, and answering account questions.

 Originally from the Canary Islands, Arancha is fluent in Spanish and English. She holds a degree in International Business from Cruz de Piedra and is married with three children.

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Simplifying the financial lives of ultra high net worth families is a complex business. Ask Gerry what it takes to manage his clients’ wealth, and he’ll tell you it’s far more than years of experience—that is a given.

Gerry is proud to have formed The Cyphers Dubey Group in 1993, which then expanded into The Cyphers Dubey Domian and Payne Group. Gerry provides his clients and their families with the highest level of service—anywhere, anytime. That means always doing what is in the client’s best interest, while having a deep understanding of their family dynamics and long-term financial goals.

Gerry and his team work with clients to design and administer institutional-caliber advanced planning strategies, including global investments and comprehensive risk management solutions. In addition, the group provides clients with single-point access to UBS’s family office capabilities and network of internal and external experts. Gerry believes in collaboration and works seamlessly with his clients’ other key advisors, such as their legal and accounting firms.

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Doug considers himself lucky to feel inspired to get up and go to work each morning. That’s because he works with educated, successful clients who understand the importance of sound financial planning. No two clients are alike, which makes Doug’s job even more interesting. The needs of an executive and their family are different from the needs of a business owner who is ready to plan an exit strategy.

With years of experience in the financial industry, plus his specialized training as a Certified Exit Planning Advisor (CEPA®) and Chartered Retirement Planning Counselor (CRPC®), make him an ideal choice as a Financial Advisor. Doug helps his clients identify, save and plan for their long-term goals—and just as importantly—stay the course when markets fluctuate. In addition, clients can tap into the extensive resources of UBS, including global market research, and borrowing and asset protection solutions.

Doug loves the continuity aspect of helping all his clients manage their short-term cash flow needs and plan for lifetime goals such as their children’s education, purchasing homes and retirement. He also enjoys helping clients leave a legacy for their multigenerational families and their charitable endeavors.

Exit Planning is a specialized field Doug is passionate about. Business owners spend years building and growing a successful company. However, little to no time is spent on what they want personally outside of being a business owner. Doug works closely with business clients to help them align their business and personal goals. This includes determining which exit option may be best while taking into consideration tax strategies and identifying which key advisory members they’ll need for a successful exit.

• Certified Exit Planning Advisor
• Chartered Retirement Planning Counselor℠

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Investing in client relationships is at the core of successful wealth management.
Early in his career, Andrew worked as a disability claims analyst, a job that was completely different from what he does now as a financial advisor. In that job, he had to try to deny clients, a task he grew to dislike. But that experience pointed him in the direction of his true passion: problem-solving and helping people. That’s why today, as a Certified Financial Planner professional, Andrew goes out of his way to help clients—beyond the call of duty. That extra commitment to getting to know clients and understanding what they value most makes a lasting impression. In fact, Andrew often forms long-term client relationships based on friendship and confidence in his ability to anticipate and deliver.

Doing what is in the client’s best interest is not just good business practice— it is part of Andrew’s DNA. Andrew believes in the ongoing process of education, especially when a client’s family spans multiple generations. Andrew is eager to help grow the team’s client roster and to continue to provide the attentive, personalized service that he believes his clients deserve.

CA License #0N03673

• Forbes America’s Top Next-Gen (Generation) Wealth Advisors, 2019, 2020, 2021The 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, 2019, 2022The 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 Best-in-State Wealth Advisors, 2020, 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.

• CERTIFIED FINANCIAL PLANNER™
• Portfolio Manager
• Wealth Advisor
• California Insurance License #0N03673

Jess is an 18 year veteran of UBS Financial Services. As a Senior Client Service Associate, she is responsible for client account administration, delegating daily workflow, and client relationship management. Jess is married and she and her husband have two children.