Bob started in the financial services industry in 1979, with early stints at Merrill Lynch and Prudential Securities. A pivotal change was the move to Dean Witter Reynolds in 1991 which allowed him to begin to manage portfolios on a discretionary basis, rare for the retail brokerage industry in that time period. A move to Smith Barney in 1995 offered participation in a much more sophisticated Portfolio Management program, as well as 14 years as a branch manager for the company. The purchase of Smith Barney by Morgan Stanley prompted a moveto UBS Financial Services in 2012. Bob carries the title of Senior Portfolio Manager at UBS. He has extensive training in portfolio construction and management, retirement planning, as well as family office management and estate planning. Bob attended Wharton Undergraduate, and graduated from the University of Pennsylvania.

Outside of the financial world, Bob is involved in auto racing, acting as management advisor to a road racing series based in the eastern USA as well as an active professional driver in that series. He also continues to play organized league ice hockey in the winter and tries to play golf during the summer.

Registered States:
AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, KS, MA, MD, ME, MI, MO, NC, NH, NJ, NM, NV, NY, OH, PA, RI, SC, TN, TX, VA, WI

John has been working in the financial services industry since 1975.  His career began with eight years in the banking industry where he worked with clients savings and borrowing needs. Upon achieving officer status, he was assigned to the bank’s bond portfolio and became director of the Retirement Department. John became licensed as a financial advisor in 1982 and in 1990 he was promoted into management as a branch manager. Among his various industry licenses and designations is the admittance to the Portfolio Management Program as a Senior Portfolio Manager. He has also completed the Wealth Management Advisor Program, an advanced studies program addressing the management and transference of assets for highly successful families and businesses.

John is active in many organizations in the community.  Currently, he is on the board of Living Resources Licensed Home Care Agency and has been on the Living Resources Foundation where he served as Vice President and President.  He is also a founding member of Medicus Christi, a health organization committed to establishing a teaching hospital in Africa.  He serves on the board of the Regenerative Research Foundation overseeing neural stem cell discovery.  John has been the United Way's Executive of the Year, a board member and President of the Northeastern Association of the Blind, a member of the Portfolio Managers Institute, a Trustee and Membership Chairman of the Fort Orange Club and he has been recently been elected to the Board of Governors of Wolferts Roost Country Club.

Registered States:
AZ, CA, CO, CT, DE, FL, IA, ID, IL, KS, MA, MD, ME, MI, MO, NC, NH, NJ, NM, NV, NY, OH, PA, RI, SC, TN, TX, VA, VT, WI

Ken began his career over thirty years ago with Smith Barney and its predecessor firms (EF Hutton, Shearson Lehman Brothers), and after careful consideration, moved to UBS in August of 2010.  Ken was accepted into the Portfolio Management Program, a privilege granted to select financial advisors who have met certain prescribed educational, compliance and investment management standards. 

Ken describes himself as an investment consultant committed to always striving to provide the utmost in service and performance for each of his clients.  By offering solid experience and the tools of a major service firm, he can guide clients through the investment maze.  He prides himself on always acting honestly, with integrity and in the best interest of his clients, so that each would be proud to recommend him to their friends and family.

As a youth, Ken was an Eagle Scout and has carried those ideals into his adult life by being active in many community activities.  He is a member and past master of Wadsworth Masonic Lodge #417, a member of Ancient Scottish Rite Valley of Albany, a member of Cyprus Shrine, a member and past president of the Capital District Business Leaders, a member and Lay Eucharistic Minister of St. Stephen's Episcopal Church, past coach of youth soccer, baseball and basketball, and is a 2004 Inductee to the Albany Twilight Baseball League Hall of Fame.

Registered States:
AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, KS, MA, MD, ME, MI, MO, NC, NH, NJ, NM, NV, NY, OH, PA, RI, SC, TN, TX, UT, VA, WI

Ralph Lemme has been in the investment advisory business for over 25 years. He began his career as a financial advisor with Merrill Lynch and was later promoted to Assistant Vice President Senior Financial Advisor. In 2004, Ralph moved his practice to Smith Barney becoming Vice President Wealth Management. While at Smith Barney, Ralph attained the Portfolio Manager designation which is awarded to a select group of investment professional who have met higher levels of educational and investment experience standards. He joined Albany Wealth Management Group in 2014 as Portfolio Manager and Vice President Wealth Management.

In 2003, Ralph completed the program requirements for the Certified Financial Planner designation. The requirements for becoming a CFP are time consuming and rigorous. Certificants must meet and maintain high standards in education, examination, experience and ethics. In fact less than 20% of practicing financial advisors in the industry can claim this distinction.

Ralph's wealth management practice is focused on working with a select group of successful families, business owners and professionals. He firmly believes that a comprehensive planning based approach is the most effective way for clients to achieve their financial goals. 

He currently is a board member of the Weare C. Little Memorial Park Association and has served on committees for both Cub and Boy Scouts in the Fort Orange District. Ralph has also been active as assistant coach for the North Colonie Youth Baseball Association. He is a lifelong resident of the capital district and currently lives in Loudonville with his wife and two children.

Registered States:
AZ, CA, CO, CT, DE, FL, IA, ID, IL, KS, MA, MD, ME, MI, MO, NC, NH, NJ, NM, NV, NY, OH, PA, RI, SC, TN, TX, VA, WI

Carrie began her career in 1999 and joined UBS in 2010.  During challenging financial environments, Carrie knows that it is especially important to stay focused on retirement goals.  As a Chartered Retirement Planning Counselor, Carrie focuses exclusively on helping clients build secure retirement strategies.  Her experience and knowledge enable her to offer customized wealth management advice and personalized retirement income strategies for success. 

Carrie finds that few people have the resources or temperament to successfully navigate the complex decision making involved with managing their assets.  She gains great satisfaction in taking these often daunting issues and clarifying the fundamental points for her clients to help them make the best decisions possible. 

Carrie is a graduate of Cornell University with a degree in Applied Economics and Business Management.  Carrie’s home is in Guilderland, NY with her husband, Mikey, and their son, Caeben where they are active in the community.

Registered States:
CA, CT, DE, FL, MD, NM, NV, NY, PA, SC