Gary Ybarra

Managing Partner


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...

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Stephen Ting

Managing Partner


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...

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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...

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