Experience Makes all the difference

Justin G. Kappel

Branch Manager


Registered States:

Carol D. Henry

Market Administrative Officer

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Carol has 35 years of financial services experience.  She has held various roles with the firm and is currently the Market Administrative Officer for the Minnesota Market.

Carol is in charge of training, coaching, and developing our support team members and works closely with the Administrative Managers in the Minnesota Market.  She holds 7, 9, 10, 63, and insurance professional licenses.  She and her husband, Paul, live in the western suburbs with their 2 children.

Registered States:

Stephanie J. Berghs



In her capacity as branch administrator, Stephanie plays two key roles – the first is to support the Branch Management Team and the second, as a member of the branch management team, is to ensure that the branch operates smoothly.  Stephanie supports the on-boarding and hiring process, handles facilities management, provides administrative support for human resource activities and monitors licensing and registrations of Financial Advisors.  Stephanie is also Chairman of the Wayzata Advisory Council which organizes philanthropic events for the branch.

Stephanie has been with UBS since 1995. She is a Criminal Justice alumna from the University of St. Thomas. In her free time, Stephanie enjoys spending time with family and friends, reading, watching movies on the big screen, and travelling.