Charbel Ghaby, MBA, RICP®

Charbel Ghaby's professional journey is a testament to his unwavering commitment to excellence and adaptability. Born in Lebanon and later establishing roots in Southern California in 1989, Charbel's path is one of remarkable transformation and accomplishment.

After graduating with honors from the University of California, San Diego, he embarked on a career in finance,
joining Morgan Stanley in Los Angeles in 2000. His financial acumen and dedication to his work set a strong foundation for his future endeavors.

In 2004, Charbel made a pivotal decision to redirect his career. He transitioned from the financial industry to join the family business and simultaneously ventured into the restaurant business, opening an establishment in Glendora. Over the course of 12 years, he expanded this entrepreneurial vision to include two distinct restaurant concepts with a total of seven locations.

Charbel's insatiable thirst for knowledge led him to pursue an MBA, demonstrating his commitment to continuous growth. Throughout this journey, he managed his thriving businesses with finesse, constantly seeking ways to integrate newfound knowledge into his ventures.

The global pandemic of 2020 ignited a renewed passion for financial planning in Charbel's life. He embarked on a series of interviews with firms across the state, and it was WestPac Wealth Partners and Guardian, where he has been a client since 2009, that resonated with his vision, The firm's emphasis on comprehensive personal and business planning, acknowledging the intricate relationship between the two, was the perfect fit.

Since his arrival at WestPac in late 2020, Charbel has seamlessly merged the strategies he's acquired with his two decades of business ownership experience. He brings a unique perspective to his business clients, shedding light on the complexities of business planning from a fellow entrepreneur's viewpoint.

Charbel Ghaby's professional story is a testament to the power of adaptability, a journey marked by an unwavering commitment to growth and a unique ability to bridge the worlds of business, finance, and family. He continues to leave an indelible mark on each chapter of his remarkable career. Beyond his professional life, Charbel cherishes moments spent with his wife and three children, finding balance in the simple joys of family.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 5280 Carroll Canyon Rd., #300 San Diego, CA 92121 619.684.6400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. WestPac Wealth Partners, LLC is not an affiliate or subsidiary of PAS or Guardian. Insurance products offered through
WestPac Wealth Partners and Insurance Services, LLC, a DBA of WestPac Wealth Partners, LLC. CA Insurance License #0D18066| 2024-169960 Exp. 02/26