A Customized Approach

F. Troy Barnhart has been a financial service professional for more than thirty years, focusing in particular on individual client portfolios. He opened the Paine Webber Birmingham, Michigan office in  1989--Later acquired by UBS--and served as Branch Manager and client advisor. Currently a Senior Vice President of Investments at UBS, Troy specializes in retirement and preretirement planning. His clients vary from chief executives to professional athletes to those with special situations who depend on investment income to live. Troy works closely with all of his clients to develop highly customized investment strategies, matching each client's objectives with opportunities that exist across the markets. In a financial environment prone to trends, quick-fixes, and short term thinking, Troy prides himself on consistency and tradition, adhering to principles derived from his extensive experience and above all else an enduring commitment to his clients.

Before UBS

Prior to joining UBS, Troy worked at the boutique offices of E.F. Hutton and at Merrill Lynch. He began his career at Professional Compensation Group, a consulting firm, where he spent five years working primarily with business owners to establish and administer retirement plans. It was these formative years at PCG that instilled in Troy the strong conviction that the advisor's first and foremost responsibility is to long-term security of the client, rather than to short-term profit. It is a belief that remains at the foundation of Troy's approach.

Outside of UBS

Troy was born and raised in Hillsdale, a small town in Southern Michigan. His father Barney, a career auctioneer and farm owner-operator, continues to be active in these fields at the age of ninety-two. Troy attended Michigan State University, graduating with a degree in Business and a minor in Economics in 1973. He holds numerous investment-related designations and licenses from the financial service industry and firm awards. He has repeatedly earned the elite advisor rankings of President's and Chairman's Club during his twenty-three tenure at UBS.

The father of two, one of whom-Brent-he is now proud to call a colleague, Troy has been married to his wife Gail for thirty-three years. They reside in Bloomfield Hills. An avid runner, fly fisher, and golfer, Troy has been involved in a variety of activities in the community, including service clubs, church initiatives, and philanthropic organizations.

Registered States:
AK, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NV, NY, OH, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV

John J. Oberpeul, CFP ® is a Senior Vice President and Wealth Advisor in Advisory & Brokerage Services at UBS Financial Services.

A Customized Approach
A financial professional for over 25 years, John enjoys his relationships with clients over any other part of the business. He works closely with each individual to come up with a financial plan that fits their needs and life goals while minimizing their risk. As challenges arise, John helps his clients adapt to new circumstances as smoothly as possible. He has always felt that putting the client first is the best way to be successful.

John works primarily with high net worth individuals, families, and corporate executives with multigenerational wealth planning and portfolio and risk management needs. His areas of focus are financial & estate planning, managed money solutions, and lending. John prides himself on having the ability to tailor financial solutions to each client’s specific situation and being flexible enough to adjust with clients as their lives change. His years of experience in handling financial concerns allow him to think outside the box to create individualized solutions. John’s strong skills in client management, organization, and team business planning set him apart as a financial advisor.

Before UBS
John started his career in finance after receiving his Bachelor of Science degree in Agricultural Engineering Technology from Michigan State University. During his high school years, John ran a brood cow operation that paid for his college career. After college, he worked on a cash crop farm in a position with few advancement opportunities. However, several of John’s family members had been in the financial services industry before he had, which allowed him to see the impact they had on their clients’ lives. He loved the idea of being able to positively impact people’s financial well-being, an idea that has driven him throughout his career in the financial industry.

John went on to work at American Express Financial Services at both their Ann Arbor, MI and Cleveland, OH locations as a financial advisor. He spent two years at Citizens bank as a sales manager before starting work at NBD bank (now JPMorgan Chase) in 1991 as a financial advisor & trust officer. John spent 10 years there working with Jerry Parks and patenting his client approach. In May 2007, John, Jerry and Heather moved to UBS together, where they have grown their business successfully.

A Family Focused Advisor
There is nothing more important than family to John, and that influences the way he does business. He understands the nuances of every sized family and is willing to go out of his way to make sure that his clients are happy. He has a wife and two adult children. Watching them grow up to be excited about life and the opportunities it holds has been one of the most rewarding experiences so far for John and his wife, Deb. They have lived in Brighton, MI since 1989. John and Deb live in a brick Italianate house that was built in 1872, which they have completely remodeled.

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

Gerald M. Parks is a Senior Vice President and Wealth Advisor with UBS Financial Advisory & Brokerage Services.

A Personalized Approach

Jerry has been in financial services since 1986. He has also been a small business owner and has had to make financial decisions amidst the chaos of family issues and four successive corporate mergers. Jerry can identify with clients in regards to the unique problems they face.  His patience and expertise help him serve successful business owners, corporate executives and other clients with dynamic and complicated financial situations. 

Jerry works primarily with high net worth individuals, families and corporate executives with multigenerational wealth planning and portfolio and risk management needs. His areas of focus are Structured Solutions, Fixed Income, Financial Planning, and Lending. Jerry provides customized solutions to clients and prides himself on being able to adjust the plan as clients’ lives grow and change. His years of experience in handling financial concerns allow him to think outside the box to find solutions. Jerry has his Series 7, Series 63, and Series 65 licenses as well as his Life and Health Insurance certification in multiple states.

Before UBS

Jerry received his Bachelor of Science degree in Business Administration with a focus in Finance and Economics from Central Michigan University. He also did graduate work at Wayne State University. He started his financial career in 1986 with NBD Bank (JPMorgan Chase) and enjoyed his 21 years there. Jerry, Heather and John joined UBS in May 2007 where they have continued managing client relationships and solving financial concerns.

A Family Focused Advisor

Jerry is a lifelong Detroit area resident. His wife, Julie, is a dentist, and they have three active children, Brett, Jake and Abby.  They spend the majority of their free time working with the kids and their activities. Jerry and Julie have a large extended family, which also helps keep their lives busy.

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

A Customized Approach

Mary M. Crummey has worked in the financial service industry for more than thirty years, the last twenty-seven of which she has spent at UBS. She is currently Vice President of Wealth Management, in which role she dedicates her expertise to the development of wealth strategies for high net worth individuals, corporations and institutions. Mary utilizes an adaptive, consultative approach, combining deep commitment to understanding her clients' goals with the insight and technical know-how it takes to achieve them. Mary also plays key roles in manager selection within the Birmingham Investment Group.

Before UBS

Mary previously served for five years as a Senior Technical Analyst for UBS' Central Division, covering nineteen states and advising more than 1,000 investment professionals. She embarked upon her career in financial services in 1987 at E.F. Hutton, having earned her Certified Investment Management Analyst (CIMA®) from the Haas School of Business at the University of California, Berkeley and Chartered Retirement Plan Specialist (CRPS®) from the College of Financial Planning. Prior to her certification, Mary attended the University of Florida on an athletic scholarship, where she played Softball. She completed her degree from the University of West Florida in Management. Mary remains an active member of the financial services community in the Investment Management Conference and Governmental Committees.

Outside of UBS

The sixth of seven children, Mary has been married for twenty-seven years to her husband Alan, with whom she has two daughters. She enjoys playing golf, running, coaching Softball, and supporting her children in their academic and athletic pursuits. She is an active member of her church, where she has been involved in the religious education program.

She brings to the Birmingham Investment Group of UBS invaluable experience, compassion, a rigorous attention to detail, and above all, deep loyalty to her clients and the community.

Registered States:
AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NV, NY, OH, OK, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV

Zachary D. Anderson is a Senior Vice President, Wealth Advisor and Senior Portfolio Manager at UBS Financial Services.

An Individualized Approach

Zach enjoys working in an environment that presents a new set of challenges every day, whether it is client specific or market related. He believes that successfully navigating the difficult and ever-changing environment of the financial markets to help clients meet their goals is incredibly rewarding.

Zach works primarily with high net worth individuals, families, and corporate executives. He assists with multigenerational wealth planning and portfolio and risk management needs through proper planning and asset allocation. Zach prides himself on having the ability to tailor financial solutions to each client’s specific situation and being flexible enough to adjust with clients as their lives change. His strong skills in managing client portfolios, introducing risk management strategies, and conveying asset allocation and investment changes to clients make him a strong component of the team. Zach’s years of experience in handling financial concerns allow him to think outside the box to create individualized solutions.

Before UBS

Zach received his Bachelor of Arts degree in Economics from Denison University then moved on to receive his Master of Business Administration with a concentration in Finance from Case Western Reserve University’s Weatherhead School of Management. He entered the financial industry in 1999 upon his graduation from college, then joined UBS in 2001 as a result of the merger with McDonald investments. In July of 2013 he joined John, Jerry, and Heather as a part of the team.  Zach is a Chartered Financial Analyst®, Certified Exit Planning Advisor®, and holds the series 7, series 66, series 4, series 31 licenses, and Life and Health Insurance certifications in Michigan and several other states.

A Family Focused Advisor

Zach lives in Troy with his wife, Kristie, and three children, Avery, Grafton and Ford, where he is involved with the CFA Society of Detroit, the Bloomfield Hills Country Club, and the Bloomfield Open Hunt Club. Zach’s family connection with finances dates back to his fifth birthday, when his grandparents gave him an exceptional CD to help him pay for a large portion of his education. This gift has had an impact on him to this day and reminds him of the power of the financial industry to help people achieve their goals and aspirations for both themselves and their families. He strives to effectively guide clients as they navigate new financial ventures in order to help them reach their financial goals while minimizing their risk.

Registered States:
AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NV, NY, OH, OK, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV

Capabilities to impact your life and wealth
As a Certified Private Wealth Advisor®, CERTIFIED FINANCIAL PLANNER™ and Certified Exit Planning Advisor® professional, Brady works closely with clients to help them pursue their goals through comprehensive financial planning. His in-depth knowledge of estate, tax, charitable giving, and financial planning allows him to craft personalized solutions tailored to each client’s individual needs and priorities. Working collaboratively with other members of the Birmingham Investment Group and other experts at UBS, Brady helps deliver what clients desire most—Advice. Beyond investing.

Brady provides expertise in the following areas:
– Estate and multigenerational planning
– Tax planning
– Business continuity and succession planning
– Executive compensation and benefit strategies
– Charitable giving strategies
– Retirement income and cash flow analysis
– Retirement plans and employee benefits
– Risk and liability management planning

Brady also specializes in working with both young and experienced physicians. His wife, Katie, is a podiatric surgeon, which has provided him with first-hand experience helping physicians navigate the challenges of medical school and residency. Brady has successfully assisted numerous physicians transition from life as a medical student to that of an attending physician.

Experience to guide you forward
Brady has been working in the financial services industry since 2010. He began his career in Canada working at the Royal Bank of Canada. He and his wife moved to South Florida in 2012, where he spent the next four years working with high net worth families at Edelman Financial Services, LLC and United Capital Financial Advisers, LLC. Brady and his family moved back north to Michigan in 2016 when he joined UBS Financial Services as the Wealth Planning Associate for their Michigan offices. In this role, he delivered financial plans to over 300 clients whose net worth ranged from $250,000 to $300 million. Brady's knowledge and experience allows him to help clients with a wide range of backgrounds and wealth.

Professional achievements and education
– Certified Private Wealth Advisor®
– CERTIFIED FINANCIAL PLANNER™
– Certified Exit Planning Advisor®
– Master of Science in Personal Financial Planning, College for Financial Planning
– Bachelor of Commerce, Athabasca University
– Series 7 & 66
– Michigan Accident and Health, Life and Variable Annuities

Outside the office
Brady was born and raised in Canada where he played hockey in the Ontario Hockey League (OHL) and at Queen's University. The father of two, Cayden and Owen, Brady has been married to his wife, Katie, for nine years. Brady still plays recreational hockey locally and is an avid golfer.

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

Capabilities to impact your life and wealth
Tyler’s in-depth knowledge of the many aspects of financial planning allows him to construct personalized solutions unique to each client’s needs. He enjoys helping people prepare for and transition into retirement. He does this by preparing a custom cash flow analysis to determine if clients have enough money to fund their lifestyle in retirement. For those that aren’t ready to retire, Tyler prepares savings strategies that help them reach their goals.

Tyler also helps clients with other major financial decisions such as:
– Investment portfolio construction
– Tax efficient savings strategies
– Timing of when to start collecting Social Security
– Roth conversions
– Retirement/pension plan payout options
– Life insurance policy analysis
– Coordinating the distribution of retirement and taxable accounts to fund lifestyle needs

Experience to guide you forward
Tyler has been in the financial services industry since 2012. He began his career working at multiple investment management firms in Houston, Texas which include Hines Securities, Invesco, and Copeland Capital Management. His prior experience gives him an in-depth understanding of investment management. In Tyler's previous role with UBS, he was the financial planning specialist for clients across the state of Michigan. During this time, he delivered custom financial plans to over 500 individuals and families with a net worth of up to $10 million. Now, as a partner on our team, he brings this skill set and passion exclusively to the Birmingham Investment Group.

My professional achievements and education
– CERTIFIED FINANCIAL PLANNER™
– Accredited Wealth Management Advisor
– Bachelor of Arts, Finance, Michigan State University
– Series 7, 63 & 65 securities licenses
– Michigan Life, Accident and Health Insurance license
– Michigan Variable Life and Annuities license

Outside the office
Tyler was born and raised in Durand, a small town in Mid-Michigan. He later attended Michigan State University where he met his wife, Sarah. Tyler and Sarah lived in Houston, Texas for 5 years after graduating from MSU. They moved back to Michigan in 2017 when he accepted a position at UBS. They currently live in Clarkston, Michigan with their daughter, Ava, and pet yorkie, Lola.

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

Heather M. Steggall is a Senior Registered Client Service Associate at UBS Financial Services.

A Customized Approach 

Heather works closely with clients to provide them with the information and tools they need to stay active with their investments. She supports the team as they work with their clients by providing them with information, forms, and peace of mind knowing that their requests have been carried out quickly and carefully. Heather takes pride in her abilities to help clients through any difficulties they may be having, whether that means sending them more information on their accounts or connecting them with their financial advisor as quickly as possible. Her organizational skills help her keep both the financial advisors and the clients happy. In a business where client relationships are so important, Heather strives to make clients feel comfortable enough to trust the team with their financial well-being and their future.  

Before UBS

Heather has a Bachelor of Arts degree in English from Michigan State University. She joined the financial services industry in 1993, working as a bank teller. Heather then moved to Fidelity Investments to gain more experience and responsibility as a Client Service Associate. She joined John and Jerry’s financial planning team at JPMorgan in 2005 to be a part of a progressive financial team. Heather came with John and Jerry when they moved to UBS in 2007. She has her Series 7 and Series 66 licenses as well as her Life and Health Insurance certification in Michigan. 

Outside of UBS 

Outside of her career, Heather spends the majority of her time with her family. She is married to Chris, and they have two sons, Sean and Marcus. They live in West Bloomfield where they are active participants in their church.

Registered States:
AZ, CA, CO, FL, IL, IN, KY, MA, MD, MI, MO, NC, NH, NY, OH, SC, TN, TX, VA, WA

Ali S. Restaino is a Client Service Associate at UBS Financial Services. 

A Customized Approach

Ali works closely with clients to provide them with the information and tools they may need to stay active with their investments. She supports the team as they work with their clients by providing them with information, forms, and peace of mind knowing that their requests have been carried out quickly and carefully. Her organizational skills help her keep both the financial advisors and the clients happy. In a business where client relationships are so important, Ali strives to make clients feel comfortable enough to trust the team with their financial well being and their future.

Before UBS

Ali attended Butler University on an athletic scholarship, where she played on the Division I Golf team. She completed her degree from Butler in Finance. Ali joined John, Jerry, Zach and Heather at UBS in 2014.

Outside of UBS

Outside of her career, Ali enjoys golfing, travelling, and spending time with friends and family. She is currently on the Birmingham Community House President's Advisory Council.

Registered States:
AZ, CA, CO, FL, IL, IN, KY, MA, MD, MI, MO, NC, NH, NY, OH, PA, SC, TN, TX, VA, WA

Ammar Qureshi is a Registered Client Service Associate at UBS Financial Services.

A Customized Approach 

Ammar oversees the implementation of our separately managed accounts, 529 plans, annuities and life insurance. He also works closely with other members of the team to execute other time sensitive requests.

Before UBS

Ammar attended Michigan State University where he received a degree in Finance from the Eli Broad College of Business. Ammar joined the financial services industry in 2015 as a Client Service Associate at Merrill Lynch. Following his time at Merrill Lynch, Ammar relocated to Boston where he joined Brown Brothers Harriman as a Client Account Manager. He was in the investor services department where he worked closely with corporate clients in fund accounting and custody.

Outside of UBS

Outside of his career, Ammar enjoys spending time with friends and family. He enjoys playing golf and is an avid Detroit sports fan.

Registered States:
AZ, CA, CO, FL, IL, IN, KY, MA, MD, MI, MO, NC, NH, NY, OH, PA, SC, TN, TX, VA, WA

Heather Surman is a Client Service Associate at UBS Financial Services

A Customized Approach

Heather works closely with other members of our team to ensure that client requests are executed effectively.

Outside of UBS

Outside of her career, Heather spends most of her time caring for her young daughters, Ruby and Violet. She also loves to travel, making Traverse City a regular stop to visit her parents and tour the local wineries. She lives in Troy with her husband, Brad, and their two daughters.

Kristie Anderson is a Registered Client Service Associate at UBS Financial Services. 

Before UBS

Kristie graduated from the University of Michigan in 2000 with a BA in Education. She has 15 years of investment experience and holds the following licenses: Series 7, Series 66, Life Insurance, Accident and Health Insurance, Variable Annuities and is a Chartered Mutual Fund Counselor. 

Outside of UBS

Outside of her career, she enjoys golfing, travelling, movies and entertaining. She is a member of the Bloomfield Open Hunt Club and Bloomfield Hills Country Club. Kristie resides in Troy and is happily married with three children Avery, Grafton and Ford.

Registered States:
CA, FL, MI, OH