Team Gary Ybarra Managing Partner 888.406.8658 firstname.lastname@example.org Gary Ybarra has over 14 years of experience in the financial services industry and is a Managing Partner with Gemlife Financial. As a Smart Money Retirement Specialist, Gary is focused on helping his clients... Read more Stephen Ting Managing Partner 888.858.6236 Stephen Ting has been helping clients realize their financial and retirement goals for the past 18 years. He is also a Managing Partner with Gemlife Financial. Early on in his career, he recognized the importance of having a financial... Read more Lisa Sanders Retirement Specialist Lisa Sanders has been working with clients as a Retirement Specialist for over six years. Before moving into safe money planning, she worked for many years helping patients to file health insurance claims. Lisa has been trained by some... Read more Have a Question? Name Email Question Thank you! Oops!