Serving Riverside, Ontario, Upland, Fontana, Indio, Palm Springs and Victorville. 


1536 Carnation Way
Upland, CA 91786
United States
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Denise Zapata

Denise M. Zapata, Financial Planner

Denise has worked with hundreds of clients in the financial planning arena to help them reach their goals.  She has been a member of NettWorth Financial Group for two years, continually striving to provide her clients with outstanding service. Every client receives a comprehensive financial plan tailored to their individual needs.  A happy and fulfilling retirement is what Denise strives to provide for every client.

Denise graduated from UC Riverside in 2001 with a Bachelor of Science in Business Administration and a Bachelor of Arts in Economics.  She is bilingual and began her financial planning career through an internship at American Express Financial Services during her senior year.  She has been a financial advisor for over 14 years.  Denise M. Zapata is a distinguished community leader that has earned many national recognitions, including; Hispanic Lifestyles' Woman of Influence Award, Latino Network's Celebracion de la Mujer Award and the Assembly Member Mike Morrell’s Woman of Distinction Award.  She completed the highly regarded HOPE (Hispanas Organized for Political Equality) Leadership Institute.  She currently sits on the California Competes Tax Credit Committee as an assembly appointee for the State of California.  

Denise is married to her high school sweet-heart, Sergio Zapata.  They have been happily married for over 11 years and they have four beautiful children. Victoria (11),  Jessica (7),  Sergio (5) and Daniel (3).  They are an extremely active family who enjoy crossfit, and spending leisurely time on the banks of the Colorado River in Arizona.  Many weekends include soccer or softball for their kids.  Quality time with family is a top priority.



Jessica Quintero*

Administrative Assistant






* Is not registered with FSC Securities Corporation