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Biographies

Beacon Insurance is a locally-owned full-service independent agency that offers personal and commercial lines insurance products. We thoroughly evaluate client needs and risk to provide quality insurance coverage and services.

Susana Calderon Guajardo

Insurance Specialist

Susana graduated from The University of Texas at San Antonio with a Bachelor’s Degree in Psychology. She achieved success in her career in the multi-family and student housing sectors holding various naturally progressing positions during her tenure overseeing multiple assets and leading cross-functional teams dispersed across the United States.

Upon relocating back to Texas, Susana received her certification in Health and Life Insurance in 2018 and joined Aflac Insurance where she has achieved an impressive client base and portfolio of accounts. Susana’s natural strengths in leadership and development allowed her to assemble a team of successful benefit advisors which resulted in an expansion of her district and adding value to the company by expanding her service to local businesses with insurance needs in the community.

Susana joins Beacon Insurance adding value to the company by bringing in her expertise in Health and Life benefits for clients. Susana obtained her certification for her license in Property and Casualty insurance in 2022, in an effort to offer a better range of products for Beacon’s clientele.

Alejandra Cadena

Insurance Specialist

Alejandra is magna cum laude alumna from Texas A&M International University holding a Bachelor’s degree in Communication and perusing a Master’s in Business Administration with a concertation in International Business. She holds nine years of customer service, marketing, and business operations experience.

In 2016, Alejandra joined Faro Companies as a client associate. She currently runs day-to-day operations for Faro Wealth, Beacon Insurance, and Faro FX clients. Additionally, she is licensed in Texas for property & casualty insurance.

In her spare time, you will catch her on movie night with her two daughters, or watching a good Houston Texans game with her husband!

Veronica Cantu

Insurance Specialist

Veronica earned a Bachelor of Business Administration degree from Mays Business School at the University of Texas A&M, College Station. During her time there, she gravitated toward customer experience management and pursued a course of study in Marketing with a focus on Retailing Strategy. While acquiring her degree, Veronica accumulated experience in the customer service realm working as a sales associate and later joining the team at El Mañana Newspaper, serving as a marketing coordinator and client associate.

In 2022, Veronica joined Beacon Insurance as an Insurance Specialist. She looks forward to assisting clients efficiently and providing quality service on behalf of Beacon Insurance Group. Veronica also enjoys cooking, exercising, and spending time with her family.

Cynthia Vela

Insurance Specialist

Cynthia has over 15 years of insurance experience and extensive knowledge in commercial insurance.

In 2005, before insurance, she worked as a paralegal at a local firm where she would handle insurance claims, and that’s where she found her love in helping people be better prepared for the unexpected.

As a general lines agent in Property and Casualty, Life, Accident, Health, and HMO, she has worked with top-level insurance companies, including State Farm, Allstate, and Farmers.

In 2016, she moved to the North Houston area, where she began working with an insurance broker and further expanded her knowledge of different types of commercial property.

Cynthia also worked in radio marketing and promotions. As a mother of four beautiful girls, she understands the importance of time management and being ready for anything.

Sofía Rodríguez Rexach

Client Associate | Marketer

Sofía has a Bachelor’s Degree in Public Relations and Advertising from the University of Puerto Rico. Since 2014, she worked at Bella Group as the Digital Marketing Analyst. In 2017, Sofía stumbled across a new adventure when she moved to Laredo, TX. Motivated by learning and succeeding, she joined Beacon Insurance in August 2020 as a client associate and marketer. She has gained genuine interest in the insurance industry and has begun the process to get P&C licensed.

Sofía enjoys spending time with her family and friends and loves reading non-fiction and fiction books.

Laura Gonzalez

Client Associate

Laura graduated from Texas A&M International University with a Bachelor’s Degree in Psychology with a concentration in Spanish. As she moved forward with her career, she joined One Main Financial as a loan specialist, gaining experience in finance and insurance.

In 2022, she joined Beacon Insurance as a Client Associate to deliver great service.

In her spare time, she enjoys spending time with her family and friends, traveling, and tutoring reading and writing.

Rafael Gutierrez Nieto

Managing Agent | Managing Partner

Rafael is a partner and co-founder of FARO Wealth. He earned a Bachelor of Business Administration in Finance from the University of Texas at San Antonio and a Master of Science in Finance from Georgetown University, Washington D.C.

Rafael began his career at Falcon International Bank and LPL Financial. While there, he obtained his Series 7 and Series 66 licenses and assumed duties that ranged from portfolio management to equity and bond portfolio analysis.

Rafael’s career advanced when he was hired to join Jack Avigael’s team at Merrill Lynch. During his six-year tenure there, he managed Ultra High Net Worth accounts for domestic and international clients and was instrumental in growing the Laredo office assets under management and production.

Immediately following his time at Merrill, Rafael ventured into the independent realm of investment management. Co-founding AlphaPoint Investment Management, Rafael gained extensive knowledge of the financial services infrastructure and the flexibility available to independent advisors. After refining his business approach and aligning with partners who shared a common vision, Rafael co-founded FARO Wealth in 2013.

Securities offered through Kovack Securities, Inc. Member FINRA/SIPC. 6451 N. Federal Highway, Suite 1201, Ft. Lauderdale, FL 33308 (954) 782-4771. Advisory Services offered through Kovack Advisors, Inc. Faro Wealth and Beacon Insurance are not affiliated with Kovack Securities, Inc. or Kovac Advisors, Inc. Rafael Gutierrez is registered in CA, DE, FL, NY and TX

Jack Avigael

Managing Partner

After graduating cum laude with a Bachelor of Science in Economics from the University of Pennsylvania, Jack began his career in finance at the Permanent University Fund of the University of Texas System. During his three years there, he assumed a number of duties, from bond swap analysis to equity research in paper, forest products, and retail sectors of the equity market. Jack’s next career advancement landed him at Laredo National Bank in his hometown of Laredo, Texas. Holding two positions over the course of his 17-year tenure – Trust Investment Officer, then Executive Vice President of Bank Investments – Jack managed assets exceeding $1 billion. He then went on to become the Branch Manager at Merrill Lynch for 19 years and was instrumental in the growth of $30 million to approximately $400 million in assets. In 2011 Jack co-founded AlphaPoint Investments, an independent investment management firm. Following AlphaPoint, he founded FARO Investment Management with Rafael Gutierrez Nieto.

Career highlights include the Houston Society of Financial Analysts Award and induction into the Society of International Business Fellows. In addition, Jack consulted with the Federal Reserve Chairman on the Impact of the Mexican Peso Devaluation and the United States immigration policy on the economies of Mexico and the United States during the 1980s.

Securities offered through Kovack Securities, Inc. Member FINRA/SIPC. 6451 N. Federal Highway, Suite 1201, Ft. Lauderdale, FL 33308 (954) 782-4771. Advisory Services offered through Kovack Advisors, Inc. Faro Wealth and Beacon Insurance are not affiliated with Kovack Securities, Inc. or Kovac Advisors, Inc. Rafael Gutierrez is registered in CA, DE, FL, NY and TX

Manuel Garcia Mier y Teran

Business Development | Head of FX

Manuel has a Bachelor’s Degree in Finance from the Instituto Tecnológico y de Estudios Superiores de Monterrey (ITESM). He worked in Grupo Financiero BASE for nine years as a Senior Financial Advisor in the Specialized Banking Division, operating FX and derivatives, and servicing Mexican and international corporate clients. He obtained the AMIB Figura III license as a registered representative in Mexico to operate in the capital markets. Manuel holds an MBA from EGADE Business School and spent a semester in ESSEC Business School pursuing a Master in Strategy & Management of International Business.

Manuel joined FARO to head the FX division and advise clients on wealth management strategies helping them to achieve their financial goals.

Andres Chapa

Business Development | Head of Factoring

Andres has a Bachelor’s Degree in International Business from the Instituto Tecnologico y de Estudios Superiores de Monterrey (ITESM). He also has an MBA from Texas A&M International University.

Andres has over ten years of experience in Transportation and Logistics, first working as General Manager of PG Distribution LLC (Palos Garza) for six years. Then he moved to Panther Premium Logistics (Arcbest) to lead and manage the Laredo and Mexico operations for another six years.

Andres joined FARO to head the Factoring division after recognizing the need for a locally based Factoring company to assist the local trucking industry.

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