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Meet the Veritas Financial Consulting Team

Dedicated to Providing the Understanding & Expertise You Deserve


Get to Know Us

Personal finances can drastically impact how we feel and how we are able to live on an everyday basis. For this reason, we understand why our clients want to be completely confident in who they choose to work with when it comes to managing their hard-earned resources. We do everything in our power to earn the trust of our clients, which is why telling the truth and doing what is right for our clients is the cornerstone of what we do.

As a team, we take great care to walk you through your options, explain the implications of each, and collaboratively decide on the best course of action with you. And when life happens and you need to recalibrate, we are here as your steadfast advocate to listen and guide you forward. That’s what true partnership means to us.


Joshua D. Garcia, MBA, MIM, CFP® Photo
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Joshua D. Garcia, MBA, MIM, CFP®

Principal

Joshua D. Garcia

Joshua D. Garcia, MBA, MIM, CFP®

Principal


Josh Garcia, a CERTIFIED FINANCIAL PLANNER™ professional, opened Veritas Financial Consulting in the beautiful city of Monrovia, California. Josh is a strong advocate for his clients and believes the best way for people to receive independent, analytical and objective financial advice is to work with a fee-only advisor who is not paid on commission and does not sell financial products.

Josh enjoys working with clients of all backgrounds and financial situations. He always shares his philosophy with clients that while everyone has, or may face, personal and financial challenges, proper planning, knowledge and a calm perspective help limit risk.

As he strives to give clients the best service possible, Josh focuses on three steps to success:

  1. Identifying each client’s goals
  2. Providing a customized action plan
  3. Offering ongoing support and advice to ensure clients stay on track

Prior to founding Veritas Financial Consulting LLC, Josh was an advisor at Garrett Investment Advisors, a fee-only SEC registered investment advisory firm. Josh was also an advisor at a fee-only firm in Pasadena and spent time at Edward Jones. He also proudly served over 6 years as an active duty Air Force Officer where he received the Defense Meritorious Service Medal. In all his positions – from financial services to his various military assignments – Josh has developed a lengthy reputation for honesty, commitment and service.

Josh earned a Bachelor of Arts degree from Valparaiso University with majors in economics as well as international economics and cultural affairs. In addition, he earned a Master of International Management and Master of Business Administration degrees from the University of Maryland Global Campus. Josh has also studied at the College for Financial Planning.

As proud residents of the local area, Josh, along with his wife, Sandra, and their daughter, are active in the community. Josh has served on the Board of Directors of the Monrovia Rotary Club and is also a past director of corporate development with the Los Angeles Chapter of ALPFA. In his spare time, Josh enjoys spending time with his family, mountain biking, and playing basketball and racquetball.

Kevin A. Cifuentes, FPQP® Photo
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Kevin A. Cifuentes, FPQP®

Financial Paraplanner, Associate Financial Planner

Kevin Cifuentes

Kevin A. Cifuentes, FPQP®

Financial Paraplanner, Associate Financial Planner


Replacing financial uncertainty with security and a way forward is Kevin’s goal as a financial planner. Kevin considers the relationships built with clients to be one of the most rewarding parts of his work and is dedicated to helping clients find true financial confidence.

Kevin holds a degree in Business Administration with an emphasis in Finance, Real Estate and Law from California State Polytechnic University, Pomona. Previously, he was an assistant product manager for an e-commerce company. Kevin is a Financial Paraplanner Qualified Professional (FPQP® from the College for Financial Planning). He also holds the Series 65 Uniform Investment Adviser license and has successfully completed the CERTIFIED FINANCIAL PLANNER™ professional (CFP®) board exam. He is part of the Financial Planning Association.

When he’s not working, you can find Kevin golfing or playing the guitar or piano. He also enjoys staying active through hiking and camping (especially at national parks), traveling or playing any kind of sport. 

Bill P. Duff, MBA Photo
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Bill P. Duff, MBA

Advisor Emeritas

Bill P. Duff

Bill P. Duff, MBA

Advisor Emeritas


Bill is passionate about helping individuals and couples realize financial security through objective, sound financial advice. Over his many years in the industry, Bill has always found great satisfaction through guiding his clients to success. He specializes in working with those who are heading into retirement or are already retired.

At Veritas, Bill serves as a mentor and resource to the firm's advisors. He brings over three decades of experience. Bill has also worked as a corporate planner for a fortune 100 company as well as a principal for a building company for 10 years. 

Bill maintained the CERTIFIED FINANCIAL PLANNER™ certification from 1987-2019. He operated as a registered investment advisor (RIA) from 1993 to 2019 and a CA tax practitioner from 1982 through 2019. Bill was affiliated with the National Association of Personal Financial Advisors (NAPFA) from 2001 to 2020 and the Financial Planning Association® (FPA®)  from 1990 through 2020.

In his free time, Bill enjoys playing golf and attending family gatherings. He also enjoys watching high school football and is a Dodger, Laker and Ram fan.