Rick is responsible for equity and fixed income portfolio management. For over 35 years, Rick has been advising ultra high net worth investors, designing comprehensive wealth plans and tailored asset allocations personalized to fit each client’s unique set of financial goals and risk tolerances. Prior to joining UBS in 2009, Rick managed portfolios at Prudential Securities, followed by 17 years managing portfolios at Citigroup Smith Barney. Rick graduated from Fairleigh Dickinson University with a B.S. in business administration. He and his wife of 30 years live in Harding Township, NJ and have three grown children. Rick enjoys the outdoors, hiking, skiing and sailing in his free time.

Registered States:
AL, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, MA, MD, MI, MN, MO, NC, NH, NJ, NV, NY, OH, PA, SC, TN, TX, VA, WA

Ray focuses on working with high net worth families with privately held business interests and senior corporate executives. With over 30 years of experience in the financial services industry, Ray has guided clients through many market cycles to help them preserve and enhance not only their wealth, but more importantly, their lives. Ray is a graduate of The University of Delaware with a B.A. in finance. Additionally, he has earned certifications as a CERTIFIED FINANCIAL PLANNER™ (CFP®), a Chartered Retirement Planning Counselor^SM (CRPC®) and a Certified Exit Planning Advisor (CEPA). He is active with American Corporate Partners where he mentors military veterans interested in becoming entrepreneurs. Ray resides in Chester, NJ with his wife Sue and has four adult children. In his spare time, he enjoys spending time with his family at Lake George NY, motorcycle touring, hiking, the NY Giants and making furniture.

Registered States:
AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, MA, MD, MI, MN, MO, NC, NH, NJ, NV, NY, OH, PA, SC, TN, TX, VA, WA, WY

Lloyd advises high net worth clients, such as executives and entrepreneurs. He uses his experience and knowledge to provide the team’s clients with a clear road map to their wealth goals. He utilizes a wide range of investment strategies focused on income generation. He graduated from Rutgers University with a B.A. in chemistry and an M.B.A. in finance. Lloyd began his financial services career in 1972. He joined Merrill Lynch in 1974 and spent 38 years there before joining UBS in 2012. Lloyd is a Chartered Retirement Planning Counselor^SM (CRPC®). He resides in Long Valley, NJ with his wife. Lloyd enjoys travel, deep sea fishing and rooting for the New Jersey Devils hockey team.

Registered States:
AL, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, MA, MD, MI, MN, MO, NC, NH, NJ, NV, NY, PA, SC, TN, TX, VA, WA, WY

Dan advises individuals, corporations and nonprofit organizations on the vast array of retirement plans and strategies. He provides insight into a client’s entire balance sheet, including their investment approach, liability management and wealth structuring solutions such as life and long-term care insurance. Dan is a graduate of Rutgers University with a B.S. in marketing. He began his career in the financial services industry in 2002 and joined UBS in 2012 after spending the prior six years at Merrill Lynch. Dan has acquired both the Chartered Retirement Planning Counselor^SM (CRPC®) and the Charted Retirement Plans Specialist^SM (CRPS®) designations. He lives in Chester, NJ with his wife and two children. He proudly supports several charitable organizations including Family Promise of Morris County and is a board member of Beyond the Walls.

Registered States:
AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, MA, MD, MI, MN, MO, NC, NH, NJ, NV, NY, OH, PA, SC, TN, TX, VA, WA, WY

Tristan focuses on financial planning and investment management for the high net worth and ultra high net worth clients of the team. Prior to joining UBS in 2011, he was a Financial Advisor and Business Development Associate with J.P. Morgan Securities. From 2005 to 2010, Tristan obtained operational and client relations experience serving in a variety of roles at Smith Barney. Tristan earned a bachelor’s degree in economics and business from Lafayette College in 2005, and in July 2012, he attained his CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. Tristan, his wife and two children live in Westchester County, NY, where they proudly support the Westchester SPCA, Inc.

Registered States:
AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, MA, MD, MI, MN, MO, NC, NH, NJ, NV, NY, OH, PA, SC, TN, TX, VA, VT, WA, WY

Eric primarily focuses on financial planning and investment management. He has been with UBS since 2012. Eric has held various roles that have provided him experience in the operational side as well as in relationship management. Before joining the Certus Financial Group, Eric worked as a Financial Advisor at UBS’s Wealth Management Americas headquarters. Eric graduated Magna Cum Laude from Rowan University with a B.S. in accounting. He holds the Series 7 and 66 securities licenses as well as a Chartered Retirement Planning Counselor^SM (CRPC®) designation. He and his wife reside in Morris County, NJ and he enjoys hiking, kayaking and playing ice hockey. 

Registered States:
AL, AZ, CA, CO, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NH, NJ, NV, NY, PA, SC, TN, TX, VA, WA

Tom focuses on investment research and is an integral advisor for the team’s discretionary portfolios. His extensive fixed income expertise is critical to the team’s portfolio management process. Having hands-on experience in the financial markets, Tom takes an active approach to managing assets, utilizing both technical and fundamental analysis. He is a graduate of William & Mary. Tom has been in the financial services industry since 1994 and joined UBS in 2012. Prior to UBS he worked at Merrill Lynch, JP Morgan Securities and Brookfield Investment Management. He resides in NJ with his family.

Registered States:
AL, CA, CO, CT, DE, FL, GA, IL, MA, MD, MI, MN, MS, NC, NH, NJ, NV, NY, PA, SC, TN, TX, VA, WA

Debbie focuses on client service and overseeing the team’s operational administration, as well as assisting with marketing and client performance reporting. She is a 30-year veteran of the financial services industry and is committed to delivering an exceptional client service experience. Debbie has developed a unique skill set that ensures her success in problem-solving, earning the trust of clients and fulfilling clients’ administrative needs. She holds the Series 3, 7 and 66 securities licenses, and is a graduate of the University of Vermont. Debbie lives in Montville, NJ with her husband, and has two grown children.

Registered States:
AL, AZ, CA, CO, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NH, NJ, NV, NY, PA, SC, TN, TX, VA, WA

Kelle focuses on client service and provides operational and administrative support to the team's financial advisors.  Kelle has over 25 years of experience in the Financial Services Industry.  Before joining Certus Financial Group, Kelle spent 20 years at Goldman Capital Management Inc., a NYC based Independent Registered Investment Advisor and Hedge Fund, working directly for the Portfolio Manager/Company President.  She currently maintains her series 7 and 63 securities licenses.  Kelle is a graduate of St. Bonaventure University and lives in Summit, NJ with her husband and two children.

Registered States:
NJ