Experience Makes all the difference

For over a decade, we have been building solid, long-lasting relationships. Our team provides the expertise to manage your financial needs today and the commitment to engaging each generation of your family, offering thoughtful education and advice for the future. Whether you are navigating life's milestones, managing business transitions or planning your legacy, we offer realistic guidance that grows with the needs of your family.

Chris Clifford

Managing Director - Wealth Management
415-963-5277
cj.clifford@ubs.com

I played soccer and wrestled in high school. Actually I sat on the bench and watched my first-string teammates play soccer and wrestle.  Sure, I wanted to play, but I wanted our team to win even more. 

When I went to law school I tried to outwork the other students by reading everything I could, studying the important material repeatedly, and even listening to audio tapes of lectures by professors at other prestigious law schools.  It wasn't glamorous being a law geek, but when I graduated 3rd in my class of 400+ students, and 7 years later was made partner at a national law firm, I knew it was because of that extra work.

As a wealth advisor I try to use that dedication to others I learned as a benchwarmer, and the problem solving and listening skills I learned as a lawyer to advise clients on the financial issues most important to them and their families. 

I have been a wealth advisor since 2000 and am fortunate to have fantastic clients who are interesting, successful, and engaging.  The vast majority of them are founders, CEOs or CFOs of companies that have been acquired or gone public, along with some private equity and venture capital professionals.  I specialize so that my team can focus on solving the issues and challenges that similar clients face.

I graduated from Indiana University and received my law degree from New York Law School magna cum laude.  My wife Catherine and I have been married over 30 years and we have four children ages 13-25.  We love to ski, surf and bike together, and Catherine likes to take our dog Hoosier on hikes.  I am on the Board of Boys & Girls Clubs, trying to create opportunities for the kids in San Francisco.  When I graduated from a small high school in Dayton Ohio in 1979, if someone would have told me I would be married to Catherine, have 4 great kids, live in this beautiful community, be active, and my career would be working with fascinating clients, it would have been inconceivable.  


Registered States:
AZ, CA, CO, DC, DE, FL, HI, KS, MA, MD, MI, MT, NC, NH, NJ, NV, NY, OR, PA, SC, TX, UT, WA, WI, WY


Mike Barnowski

Senior Vice President - Wealth Management
415-963-5247
mike.barnowski@ubs.com

Mike joined UBS in 2008, having started in the financial services industry in 1999. He offers highly personalized service to clients who are primarily entrepreneurs and venture capitalists, offering them tailored, pre- and post-liquidity planning, as well as tax, estate and investment planning.

Mike enjoys managing clients’ needs while balancing the ever-changing world of investments and tax code. His approach is to put himself in his clients’ shoes. He enjoys problem-solving and the responsibility of having to meet clients’ goals. Mike’s enthusiasm, personal service and ability to efficiently handle clients’ distinct needs help set him and his team apart.

Mike graduated from the University of Colorado in Boulder and studied international business at the University of Copenhagen in Denmark. He and his wife, Michele, have a son and daughter and live in San Francisco. He supports Girls on the Run and Bring Me a Book Foundation, and also belongs to the Olympic Club.


Registered States:
AZ, CA, CO, DC, DE, FL, HI, KS, MA, MD, MI, MT, NC, NH, NJ, NV, NY, OR, PA, SC, TX, UT, WA, WI, WY


Christopher Daniel Chavez

Associate Director
Senior Wealth Strategy Associate
Chartered Financial Analyst®
415-963-5248
christopher.chavez@ubs.com

As our senior investment analyst, Chris works with UBS' Chief Investment Officer's team to create portfolios that meet our clients' unique needs and objectives. He graduated from the University of California - Berkeley with a degree in economics (with honors), and obtained his MBA from the Haas School of Business at UC Berkeley. Chris is a Chartered Financial Analyst® charter holder.

Prior to joining our team, Chris worked for five years as an analyst at Brownson, Rehmus & Foxworth, and Delegate Advisors, where he advised clients very similar to those with whom our team works. He was a star cross country runner at Cal and was invited to the Olympic Time Trials in the Marathon in 2012 and 2016. (His personal best marathon time is 2:17:07!) Chris, his wife Jordan and their one year old daughter Cassidy live in Burlingame, and as you guessed he enjoys running.


Registered States:
AZ, CA, CO, DC, DE, FL, HI, KS, MA, MD, MI, MT, NC, NH, NJ, NV, NY, OR, PA, SC, TX, UT, WA, WI, WY


Michelle Smith Rodgers

Associate Director
Senior Wealth Strategy Associate
415-963-5263
michelle.e.smith@ubs.com

Michelle leads operations and client service for our team. She started her career as a client service assistant at Merrill Lynch and was recruited to UBS when her team moved here. Michelle was promoted to Financial Advisor and then moved into management. Most recently she served as Operations Manager for UBS' San Francisco Private Wealth Management office, and from there Chris and Mike persuaded her to join our team. Michelle received her B.S. in Business Administration from the University of California - Riverside. She, her husband Robert and 9 month old son, Blake, live in the Richmond Marina and enjoy watching football and exploring the beautiful Bay Area.


Registered States:
AZ, CA, CO, DC, DE, FL, HI, KS, MA, MD, MI, MT, NC, NH, NJ, NV, NY, OR, PA, SC, TX, UT, WA, WI, WY


Cameron Russell Smith

Senior Wealth Strategy Associate
415-963-5364
cam.smith@ubs.com

Cameron assists in operational duties and portfolio management.  In 2015 he joined UBS Private Wealth Management, where he supported 30+ teams on the west coast.  Cameron graduated from the University of Denver with a degree in finance and economics.  He also studied at the University of Economics in Prague, Czach Republic.  Cameron recently moved to downtown San Francisco, where he enjoys golfing and playing lacrosse on the weekend.


Registered States:
AZ, CA, CO, DC, DE, FL, HI, KS, MA, MD, MI, MT, NC, NH, NJ, NV, NY, OR, PA, SC, TX, UT, WA, WI, WY


Sandy Satsuki Kageyama

Client Service Associate
415-963-5249
sandy.kageyama@ubs.com