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Our Team

James Lingelbach  Photo
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James Lingelbach


Jim Lingelbach holds the following designations:


ChFC® Chartered Financial Consultant

CLU® Chartered Life Underwriter

CASL® Chartered Advisor for Senior Living

RICP® Retirement Income Certified Professional


Jim has been in the financial services industry since 1988 and has developed his practice to provide written, objective, comprehensive financial plans through a collaborative effort between client and advisors enabling the customer to proactively create their financial lives with the highest probability of success. Jim's education allows him to specialize in financial planning for retirees and focus on Social Security, Medicare, pension income, and distributions from retirement accounts and non-retirement accounts. 

In addition to his education, Jim's financial planning experience is extraordinary- in terms of number of financial plans he creates each year, Jim is one of the top financial planners in the firm. 

But what really sets Jim apart is his passion. Jim's dad, a life-long firefighter, and his mom, taught him through their volunteerism in religion, Boy Scouts, and sports, that service and caring for others pays untold rewards.  

The greatest professional satisfaction Jim feels is not in the getting, but in the giving and helping- and in the relationships he forms with clients. This is what drives him to continually improve his practice and be the best he can be, every day, for every client.

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Ciano Villaquiran

Financial Planner

Ciano Villaquiran holds the following designations:


ChFC® Chartered Financial Consultant

CLU Chartered Life Underwriter

Ciano works with professionals at all stages of their careers, specializing in helping early-to-middle career professional who seek education, advice, and collaboration to build strong financial futures. He helps them explore all areas of their financial lives and develops custom plans of action to achieve theirs short-and long-term goals.

He joined the CURO practice in 2012 as a paraplanner, accomplishing all manner of responsibilities, including data gathering/analysis and running plan illustrations, options, costs, and benefits. In 2014 he transitioned to the role of financial advisor.

In addition to earning a B.A in Finance and Business Administration from the University of San Diego, Ciano has spent hundreds of hours studying for and attaining his CFP, CLU, and ChFC designations. Ciano is one of only 6% of CERTFIED FINANCIAL PLANNERS representatives under age 30 in the United States.*

Ciano knows who to guide people of his generation, who may not yet have significant asset/worth, through a financial-planning process that creates clarity and reduces worries. He brings to the practice knowledge and expertise around low-cost investing, proper insurance protection, student loans, and more.

He shares his knowledge also by holding financial-education workshops throughout Southern California, focusing on investing, debt management and protection for young  professionals. 

Ciano has provided financial-education workshops for the following companies:

 CA Insurance License # 0170072 Domiciled in CA


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Luciana Macedo

Financial Planning Director

Luciana has been working with CURO Financial since October 2015 while pursuing her MSBA in Financial and Tax Planning at San Diego State University. She brings her passion for helping others, combined with her years of management, training, and customer service experience to the team. She handles various financial planning duties, organizing the data, completing plan data input, and managing client software relationships. In her spare time she enjoys spending time with her three adorable Boston Terriers; Jack, Lola, and Olive. She also enjoys traveling, reading, and spending time at the beach.

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Jen Dennison

Relationship Manager

Jen is the relationship manager for CURO Financial. She is in charge of working closely with Jim and Ciano on communicating with clients and handling the firms marketing and service efforts. 

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Tyler Cohen

Financial Planning Coordinator

Tyler is the Client Services Representative at CURO. He is responsible for coordinating with Jim and Ciano to recommend the best products and services based off of your current situation so that you may achieve your short term objectives and long term goals.

Tyler graduated from UC San Diego in 2019, majoring in Ecology, Behavior, and Evolution, and minoring in Business. Tyler was born and raised in Encinitas, California. In his spare time, he enjoys learning to cook new dishes, sampling the history, culture, and food of foreign countries, and attending car events. He has a passion for financial advising, and plans on becoming a financial advisor in the future. He is dedicated to investing his time and attention effectively so that you may invest your money effectively.