Richard has more than 20 years experience directing the investment and trading activities for the team. He is one of a select group of Senior Portfolio Managers, providing clients with custom portfolios that tie in directly with their comprehensive financial plans.

Previously, Richard was a Certified Public Accountant and Management Consultant at Deloitte & Touche, where he structured fixed income derivatives for such clients as Salomon Brothers and Goldman Sachs. He is a graduate of the University of Memphis with a B.S. in accounting and an M.B.A. from the University of Texas. Richard is President of the Dreamlight Theatre Company Board, which provides a home for musical theater and the artists who create it.

Registered States:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

Michael is a financial planning specialist on our team. He draws upon his background as an attorney, UBS Client Service Associate and experience in compliance as a UBS Branch Examiner to deliver customized financial plans. Michael has a B.A. in Political Science and Economics from Union College, a Juris Doctor from Albany Law School and an MBA from Union Graduate College. He also holds Series 7 and Series 66 securities licenses. While not currently practicing law, Michael is an active member in good standing, admitted by the State of New York Supreme Court, Appellate Division Third Judicial Department and in Federal District Court in the Northern District of New York. Outside of work, Michael enjoys long-distance running and traveling and he is a member of the New York State Bar Association.

Registered States:
CT, FL, MT, NJ, NY, PA

Toby focuses on the administration of our team’s corporate plans, as well as credit and lending for our private clients. He also handles the day-to-day maintenance of clients’ accounts. He graduated from Boston University with a B.S. in manufacturing engineering. He received his Series 7 and 63 securities licenses. In his free time, Toby enjoys long-distance running and traveling.

Registered States:
AZ, CA, CT, DE, FL, GA, IL, IN, KS, MA, MD, MI, MN, MO, MT, NC, NH, NJ, NY, OH, OR, PA, PR, SC, TN, TX, VA, WA, WI