For more than 30 years, Paul has been helping clients navigate the increasingly complex world of financial and investment planning. In 1983, Paul joined Kidder, Peabody, where he managed fiduciary accounts including personal charitable trusts, endowments and pension plans.  He brought this experience to PaineWebber in 1994. Now at UBS, the world's largest private bank, he manages a practice focused on comprehensive financial planning, and the management of both sides of a client balance sheet - assets as well as liabilities.  In recognition of his experience and expertise, UBS invited Paul to join the Equity Plan Advisory Service (EPAS) team, which provides invaluable guidance to client corporate executives in the management of their complex personal finances. Paul is a CERTIFIED EXIT PLANNING ADVISOR (CEPA^®). 

Paul earned a B.A. in political science from Marymount Manhattan College, and the Accredited Investment Fiduciary (AIF^®) designation from the Center for Fiduciary Studies at The University of Pittsburg's Katz School of Business. Paul chaired the Board of Trustees at Franklin College Switzerland, Lugano, which awarded him an honorary doctorate in 2011 in recognition of his support for international, cross-cultural education.  He is also a Trustee of Marymount Manhattan College, and of Hildene – The Lincoln Family home in Vermont.  In addition, Paul provides pro bono investment advice and oversight to several other not-for-profit organizations.  Paul is a member of the Investment Management Consultants Association, the Association of Governing Boards, and fi360, which is the world's foremost think-tank on the Fiduciary Standards of Care.

A native New Yorker, Paul is married with two grown children.

Professional Licenses, Certifications & Titles:

Series 7 - General Securities License (FINRA)

Series 65 - Multi-State

Series 66 - Separately Managed Accounts

Series 3 - Commodities

Insurance - Life and Health -

AIF^® - Accredited Investment Fiduciary

Certified Exit Planning Advisor (CEPA^®)

Wealth Management Education Certificate - UBS Professional Educational Program

"Wealth Advisor" Designation - UBS Professional Credential certifying thorough competence in all aspects of balance sheet management, financial and investment planning. 

Registered States:
AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KY, MA, MD, ME, MI, MN, MT, NC, NJ, NM, NY, OH, PA, SC, TN, TX, VA, VT

David is a CERTIFIED FINANCIAL PLANNER ™, CERTIFIED INVESTMENT MANAGEMENT ANALYST (CIMA^®) and CERTIFIED EXIT PLANNING ADVISOR (CEPA^®).  David has over 30 years of investment experience that includes research, Public Finance, and wealth planning for affluent families, individuals, corporate executives, foundations, and endowments.  He joined Kidder, Peabody in 1987, where he formed a team with Paul Lowerre to begin their planning–based practice.  In 1994, the team moved to PaineWebber, which was acquired by UBS in 2000.  In 2003, David was asked to join UBS' Equity Plan Advisory Services team, a specialized advisory network within UBS which serves the executives of UBS' corporate client base.  In his role, David handles complex compensation structures that often accompany corporate clients by incorporating them in complete Financial Plans.  Preparing for retirement and organizing a trust and estate plan are primary objectives for many of these clients.

David holds a B.A in History with a Business Minor from Hofstra University.  He has studied at the New York Institute of Finance at Baruch College and the Wharton School of Business.  David is a member of the CFA Institute, The New York Society of Security Analysts (NYSSA) and the Investment Management Consultants Association (IMCA).  He is a member in good standing with the CFP board that bestows the designation of CFP. 

A native Long Islander, David resides in Huntington, NY with his wife Cindy. 

Professional Licenses, Certifications & Titles:

Series 7 - General Securities License (FINRA)

Series 31 - Futures Managed Funds Examination

Series 63 - Uniform Securities Agent State Law Examination

Series 65 - Uniform Investment Adviser Law Examination

Insurance - Life and Health -

Certified Financial Planner (CFP^®) Designation

Certified Investment Management Analyst (CIMA^®)

Certified Exit Planning Advisor (CEPA^®)

Wealth Management Education Certificate – UBS professional educational program

Registered States:
AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KY, MD, ME, MI, MN, MT, NC, NJ, NM, NY, OH, PA, SC, TN, TX, VA, VT

Nikita Stern is passionate about her role as the first line of contact for clients of Lowerre & Palmer Wealth Management. As the team administrator and the client service specialist, Nikita strives to develop a deep and broad understanding of the set of expectations and preferences unique to each client relationship. Attention to detail and a natural drive to solve problems are hallmarks of Nikita's administrative style. Clients come to rely on her assistance, and they appreciate her dedication to their peace of mind.

Nikita has over ten years in the financial services industry and over fifteen years in client/customer service. She earned a BS in Business Management and Human Resources at Fairleigh Dickinson University.

Nikita enjoys living in New Jersey with her husband and daughter.

Focused on supporting clients of Lowerre & Palmer in the proposal and review process, Maddie keeps clients' financial planning information fresh and current. As the point of contact for any financial planning needs, she walks clients through the steps to create a complete and detailed financial overview, providing them with both peace of mind and an execution stratedgy. This includes everything from personal financial management, budgeting and saving for any upcoming needs or client goals. She also coordinates marketing and social media content for the team. Previously an intern for the Lowerre & Palmer Wealth Management group, Maddie now works full time as a Wealth Strategy Associate.

Maddie graduated from Denison University with a B.A. in Economics. During this time she attended CIEE Global Institute in Berlin, Germany, completing a semester of global financial studies with a focus on business ethics. While attending Berkshire School in Sheffield, MA, she also completed a semester abroad studying at the American School of Madrid in Spain, where she became proficient in Spanish. 

Maddie currently lives in New York City.

Professional Licenses, Certifications & Titles:

Series 7 - General Securities License (FINRA)

Series 66 - Uniform Combined State Law Examination 

Chartered Retirement Planning Counselor (CRPC®)

Registered States:
AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KY, MA, MD, ME, MI, MN, MT, NC, NJ, NM, NY, OH, PA, SC, TN, TX, VA, VT