Financial Consultants and Staff
Oscar O. Silva is an LPL Associate Financial Consultant with IBC Investment Services. Oscar has more than 10 years' experience in the Financial Industry, working in both; banking and finance.
Oscar's passion is to help clients to achieve their financial goals; helping them to grow, save and/or preserve their assets. Oscar works with domestic and international clients, and his main focus is always doing what is right for the client while helping them on wealth management, retirement planning, education and insurance.Oscar holds FINRA series 6, 7, 63, 65 securities licenses, held with LPL Financial as well as Group 1 Texas state life insurance license. Oscar earned his BBA at the University of Texas Pan-American, in Edinburg TX. Outside the office, Oscar likes to spend time with his toddler daughter and wife, either enjoying an evening while in the backyard barbequing or going for weekend getaway trips.
Joshua Lowy has over 20 years of experience in the financial services industry. He earned Bachelor's and Master's
Degrees in Accounting from the University of South Florida in 1996 & 1997. After working as a CPA for a couple
of years, Joshua transitioned into the investment world working as a Financial Advisor for Merrill Lynch and at an
Austin-based credit union before joining IBC Investment Services.
Joshua provides investment products and services to individuals, families and business owners focusing on wealth
accumulation and preservation, with a concentration on risk management. He currently holds FINRA Series 7
and 65 licenses held with LPL Financial as well as his Texas Life & Health insurance license.
Joshua has been married for over 20 years. He and his wife, Yvonne, are parents to two daughters, Jacqueline and
Julianne, who currently attend the University of Texas- Austin and Texas A&M University respectively.
Joan Ruffini, Financial Consultant with IBC Investment Services in San Antonio, takes a personal approach to
understanding her client's needs. Working closely with high net worth individuals and small business owners,
she takes the time to thoughtfully develop long-term strategies to help them work toward their goals by offering
comprehensive financial planning and investment services.
With more than 25 years of experience in the financial services industry, Joan has guided her clients through
numerous market cycles. She first became interested in wealth management when she graduated from the University
of Texas at San Antonio and joined USAA where she gained valuable experience and earned her securities licenses
held with LPL Financial.
Joan was raised in Mexico and is fully bilingual, making her valuable as a financial planner within today's diverse
population. She holds dual citizenship in the United States and Mexico
Blanca E. Blanco, Financial Consultant, has been advising and assisting families with the pursuit of their financial
goals since 2002. Blanca earned her Bachelor of Science in Finance and a Master's in Business Administration from
the University of Phoenix. Blanca has years of experience and knowledge in retirement planning and financial
With her expertise in the financial industry, Blanca understands her clients and what is important to them. She
strives to educate her clients about investments and tailors them to meet each client's unique needs and objectives.
Blanca works at the convenience of individuals, small businesses and high-net worth clientele. As their Financial
Consultant, Blanca always stays in touch with her clients to make sure they are on track towards achieving their
Blanca E. Blanco is a member of the East End Chamber of Commerce and is a Board Member of the East End
Management. She also participates in many community-related events in her area. She has been married to Alfredo
Blanco for over 25 years, and has two children, Alfredo Blanco, Jr. and Artemisa Blanco, and three grandchildren:
Xavier, Eva, and Zoe.
Joseph Hobbs is a Financial Consultant with over 16 years of experience in the banking and financial industry. He has his Series 7, Series 65, Series 63, and Series 6 FINRA registrations held with LPL Financial. He also has his Life, Health, Accident, Property and Casualty Insurance Licenses with the State of Oklahoma.
Joseph attended the University of Oklahoma with a focus of International Business, Marketing, and a minor in Finance.
Joseph enjoys spending time with his wife and 3 children. They enjoy traveling, camping, and fishing.
Securities and insurance offered through LPL or its affiliates are:
|Not Insured by FDIC or
Any Other Government Agency
|Not Bank Guaranteed||Not Bank Deposits or Obligations||May Lose Value|