Experience Makes all the difference

Committed to family. Committed to planning. Committed to results...everyday.

FTB Financial Services is a cross-functional team of professionals who put communication, trust and reliability at the forefront of our pledge to you and your family.

Our depth and diversity of thought and talent combined with our disciplined process of comprehensive financial planning allows us to understand your goals, anticipate your needs, and recognize your financial opportunities.

We integrate our expertise with that of your professional advisors to design personalized strategies focused on growing and preserving your wealth while distinctively serving your family for generations.

Daniel L. Torbeck, CFA

Managing Director - Wealth Management
Financial Advisor
Chartered Financial Analyst®
513-792-3762

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Dan is Senior Relationship Manager and Investment Strategy leader for the team. With over 30 years of experience, Dan has been recognized as an industry leader, appearing on multiple top financial advisor lists including Barron's, Financial Times and Forbes. Dan graduated from Miami University with a B.S. in finance and attained his Chartered Financial Analyst designation in 1997. He served as one of the fourteen advisors on the UBS FA Advisory Council (FAAC) representing the firms' advisors in helping senior management make UBS a more client and FA centric firm.

Dan served as board member or as a volunteer in a number of Charities or Non-Profits including the Cincinnati Business Alliance board, Saint Ursula Athletic Booster Board, Saint Ursula Ball Chair, Saint Ursula Golf Outing chair, Easter Seals, Our Lady of the Sacred Heart Finance Committee, Blue Ash YMCA board. Away from the office Dan enjoys working out, playing golf and spending time with family.  He and his wife Shari have 2 children Brian and Maddie.


Registered States:
AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OH, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI


Robert A. Bult, CFP®

Managing Director - Wealth Management
CERTIFIED FINANCIAL PLANNER™
513-792-3763

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Rob is a partner and the leader for the team's financial planning strategy for high net worth and ultra-high net worth families. Using his 25+ years of planning experience, Rob's mission is to help families protect and maximize their hard earned wealth and avoid the many financial challenges in life. He brings an in-depth tax perspective to the team after joining from Deloitte in 2000. Rob obtained his B.S. in accountancy from Ferris State University, followed by his Certified Public Accountant (CPA) license in 1989 and his Certified Financial Planner (CFP) designation in 1997. Rob is active in the community with leadership roles in Dan Beard Boy Scouts and Cincinnati Junior Rowing Club and was past Board Chair of St. Vincent de Paul Cincinnati (1997-2008). He enjoys skiing, cycling, travel, and anything outdoors with his wife, Kara and their two children.


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


Timothy J. Dumont, CFA

Senior Vice President - Wealth Management
Senior Portfolio Manager
Chartered Financial Analyst®
513-792-3765

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Tim is a partner and investment department leader, managing the day to day implementation and oversight of the team's strategic investment policy. He handles portfolio management, including idea generation, and is the primary liaison for outside funds and managers. He brings more than 25 years of industry experience to the team. He graduated from Northern Kentucky University in 1994 and attained the Chartered Financial Analyst designation in 2003. He is active in the community, plays golf and enjoys spending time with his wife, Tina, and their two daughters.


Registered States:
AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OH, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI


Kelly L. Wittich, CFP®

Senior Vice President - Wealth Management
CERTIFIED FINANCIAL PLANNER™
513-792-3766

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Kelly is a partner and primary advisor specializing in financial planning for the group, with an emphasis on trust and estate planning. A graduate of Mt. St. Joseph University, she has over 23 years of industry experience and attained the CERTIFIED FINANCIAL PLANNER™CFP® designation in 2005. She joined the team from Greenebaum, Doll & McDonald, where she gained experience in estate planning and administration.

Kelly is the Past President and currently serves on the Prokids Board of Trustees, is a member of the Artswave Women's Leadership Roundtable Steering Committee, and also actively involved in local charity FOATY (From Our Angels to Yours).  Kelly enjoys spending time with her husband, Bill, cheering on local sports teams, and enjoying many fun events in the city of Cincinnati with family and friends.


Registered States:
AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI


William M. "Bill" McCarthy, CFP®

Senior Vice President - Wealth Management
CERTIFIED FINANCIAL PLANNER™
513-792-3767

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Bill McCarthy is the leader of the FTB team and the guiding voice behind FTB's vision and strategic direction. Under Bill's leadership, he challenges and motivates our entire team to strive for excellence in everything we deliver to you.

FTB team members describe Bill as perceptive, thorough, focused and compassionate. He brings these skills to his relationships with FTB clients every day. Bill works diligently to understand each client's unique situation and tailor FTB's breadth of services to each family's individual needs.

Bill began his career at FTB after completing college.  He made an immediate impact on the team and his responsibilities grew quickly. During Bill's career, he has been an integral part of the FTB leadership team, excelling in many roles over the years including associate, Financial Advisor, and the team's operational  leader. From 2009-2018, Bill served as the leader for team member relations during a significant growth period for FTB as we grew the team's headcount by 50%. Demonstrating great skill in leadership and a passion for the business side of FTB, Bill was promoted in 2019 to be the leader of the team.

Bill obtained his bachelors degree in Finance from Indiana University, completed his MBA at Xavier University and attained the CFP® designation. He lives on the east side of Cincinnati with his wife, Dorrie, and their four children. In his free time, Bill enjoys spending time with his family, traveling to new places, and spending time on the golf course.


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


Scott T. Cengia, CFP®

Senior Vice President - Wealth Management
CERTIFIED FINANCIAL PLANNER™
513-792-3764

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Scott is a partner with FTB Financial Services and a primary advisor for clients, working closely with them to develop personalized wealth management strategies. He is a Senior Portfolio Manager through the PMP program, a CERTIFIED FINACIAL PLANNER™, member of the group’s Investment Strategy Committee and has more than 15 years of financial services experience. He attended the University of Notre Dame, earning a B.A. from the Mendoza college of Business. He joined UBS Financial Services in 2000 following two years as a vice president with Physicians Billing Management in Cleveland, OH. Scott is active in the University of Notre Dame Monogram Club, coaches youth sports, likes deep sea fishing, and enjoys spending time with his wife, Kelly, and their four children.


Registered States:
AL, AR, AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI


Mary "Molly" Buquo, CFP®

Account Vice President
CERTIFIED FINANCIAL PLANNER™
513-792-5166

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Molly is a primary client advisor who also works with the FTB Client Advisory Board and the FTB brand through our marketing team. Molly has over 30 years of experience as a financial advisor and places a high value on the relationships she develops with our client families. A graduate of Salem College with a degree in economics-management, she attained the Certified Financial Planner (CFP) designation in 1997. Molly is actively engaged in community outreach and youth programing at her church and enjoys jogging and staying active with her husband, Dave, and their two teenaged daughters.


Registered States:
CA, CO, FL, KY, MA, NC, OH, SC


Dennis C. Klein

Senior Vice President - Wealth Management
513-792-5169

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Dennis manages investments and client relationships for the team. He brings more than 32 years of financial services experience. Dennis focuses on managing stock and bond portfolios, including the use of stock options, for individual business owners, corporate executives and women. Dennis earned a BA from Bellarmine College, and studied economics and community development at the University of Louisville. He holds a Series 7 securities license. Prior to joining UBS in early 2009, he was a financial advisor at Smith Barney. Dennis enjoys golf and is active with the John’s Island Outreach Center.


Registered States:
CA, CO, DE, FL, GA, IN, KY, MA, MI, MS, NC, NJ, NV, OH, SC, TX, VA


Krista J. Keehn, CFP®

Financial Advisor Associate
CERTIFIED FINANCIAL PLANNER™
513-792-3756

email



Krista is a specialist in financial planning. She brings ten years of industry experience and provides financial planning services primarily to Procter & Gamble executives, retirees and their families. A graduate of Denison University with a B.A. in psychology and educational studies, Krista holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. She earned her Series 7 and 66 securities licenses as well as an insurance license. Krista lives in Loveland with her husband Bob and two daughters.


Registered States:
AR, CA, FL, GA, IL, MN, NC, NH, OH, VT


John S. Whedon, CRPC®, CFP®,

Senior Wealth Strategy Associate
Chartered Retirement Planning Counselor (CRPC®)
CERTIFIED FINANCIAL PLANNER™
513-792-3760

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John serves as a primary contact for clients providing comprehensive wealth management services. He has a degree in business from Miami University and earned his CERTIFIED FINANCIAL PLANNER™ (CFP®) designation in 2016. He began his financial services career in 2001 with Merrill Lynch as a financial advisor and vice president, before joining UBS in 2009.  John and his family live in Clifton's Gaslight District.  He is an active fund raiser for nonprofits located in Clifton and has served as board chairman of Big Brothers & Big Sisters of Greater Cincinnati.


Registered States:
CA, FL, KY, NC, OH, PA, TX


Craig C. Callery

Team Administrator
513-792-3751

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Craig serves in the role of both primary and associate in client relationships, as well as being the team lead in operations. He brings more than 25 years of financial services experience to the team. A graduate of Northern Kentucky University with a B.A. in history, he holds Series 7, 8 and 63 securities licenses. He joined UBS in 1991, coaches high school baseball, and is an avid University of Kentucky basketball fan. Craig has four children and resides in Covington, KY.


Registered States:
AR, CA, FL, IN, KY, OH, PA


Constance G. Haglage, CFP®

Authorized Officer
Senior Wealth Strategy Associate
CERTIFIED FINANCIAL PLANNER™
Relationship Manager
513-792-3768

email



Connie supports FTB clients in all areas of financial planning, specializing in taxes, cash flow, and retirement plans. She holds a Marketing degree from the University of Cincinnati, the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, Series 7 & 66 securities licenses and an Ohio Insurance license. Prior to joining UBS, Connie was employed at a wealth management firm where she gained valuable industry experience. In her previous career as a CPA, Connie held positions in public accounting, corporate controllership and consulting. She enjoys running, reading, cooking and spending time with family and friends. Connie lives in Kenwood with her husband, Mike.


Registered States:
AR, AZ, CA, CO, FL, IL, IN, KY, LA, MA, MD, ME, MI, NC, OH, SC, TN, TX, VA


Christopher J. "Chris" DeNicola, CFP®, CFA®

Financial Advisor Associate
CERTIFIED FINANCIAL PLANNER™
Chartered Financial Analyst®
Relationship Manager
513-792-3761

email



Chris joined FTB in 2014 supporting investment strategy and portfolio analysis for the team. He started his career at UBS in 2011 after graduating from Miami University with a BA in Mass Communication and a minor in Finance. Chris earned his CERTIFIED FINANCIAL PLANNERTM (CFP®) & CFA® designations. He lives in Mt. Lookout with his wife, Kathryn and children Charlotte, George and Alice.


Registered States:
CA, CO, FL, GA, IL, IN, KY, MA, MI, NC, NY, OH, OR, SC, TN, TX, UT, VA, WA


Keith Prince, CFP®

Wealth Strategy Associate
CERTIFIED FINANCIAL PLANNER™
513-792-2165

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Keith is a Wealth Strategy Associate with FTB Financial Services and joined the team after 7 years of working with Fidelity Investments in various roles. A graduate of the University of Cincinnati with a degree in Business Economics, Keith also has attained his Certified Financial Planner (CFP) designation and his 9/10 supervisory licenses. He is currently working on M.B.A. from the University of Cincinnati. Keith lives in Deerfield Township with his wife Jamie and daughters, Emily & Morgan. Outside of work he enjoys traveling, playing golf, and rooting on his beloved UC Bearcats.

 


Registered States:
AR, CT, FL, IL, IN, KY, LA, NC, NJ, OH, SC, WI


Scott Robert "Scott" Custis, CFP®

Wealth Strategy Associate
CERTIFIED FINANCIAL PLANNER™
513-792-5243

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Scott joined the FTB team in 2019 as a Wealth Strategy Associate, bringing with him five years of financial services experience at Fidelity. Scott attended The Ohio State University for his bachelors and masters degrees in Education and holds the series 7,66 and CERTIFIED FINANCIAL PLANNER® designation.  Scott lives in Hebron with his wife Stephanie and two daughters, Gwyneth and Amelia.


Registered States:
AR, AZ, CA, FL, IL, IN, KY, MA, NC, NY, OH, OR, SC, TN, TX, VA, VT


Cindy C. Smith

Client Service Associate
513-792-3753

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Cindy brings a wealth of experience to her role as client service associate. She has been responsible for client support with FTB for 16 of her 17 years at UBS. She attended Northern Kentucky University. Cindy enjoys spending time with her family, especially her husband, Jon, and their two daughters. She is involved with breast cancer awareness fund raising.


Mary Ann Wolfe

Senior Client Service Associate
513-792-3747

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Mary Ann specializes in client support for the team. She has been with UBS since the start of her career in financial services in 1999. She attended Northern Kentucky University and holds her Series 7 and 66 securities licenses. Mary Ann enjoys traveling and camping with her husband, Ted and their two sons; Teddy and Michael.


Registered States:
AR, CA, FL, GA, IL, IN, KY, MA, MN, NC, NY, OH, PA, TX


Jessica Blair McCormick

Executive / Team Assistant
513-792-2130

email



Jessica McCormick is a Client Service Associate and Team Client Relationship Specialist for FTB Financial Services. In that role she serves the administrative and operational needs of our clients and the team. Jessica has worked at UBS in a variety of roles from HR to supporting the technology needs of the business. She is completing her degree in Psychology from the University of Cincinnati.


Catherine Marie Wash

Client Service Associate
Business Development Specialist
513-792-5249

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Cathy's background is in non-profit and higher education administration, with a focus on marketing, event management, operations efficiency and data analysis. She worked at the University of Cincinnati for 8 years and ArtWorks for 10 years. Cathy has an MBA and Marketing Graduate Certificate from the University of Cincinnati and a Bachelor of Fine Arts from the Art Academy of Cincinnati. She lives in Florence, KY with her daughter and newly adopted rescue dog. Welcome Cathy!


Registered States:
OH


Daniel Allen Schneider

Client Service Associate
Business Development Specialist
513-792-3755

email



Daniel began working for FTB as an intern in April 2016 and grew to become a valuable team member. Upon graduating from the University of Cincinnati with a B.S.B.A in Finance and minor in Economics in spring 2017, Daniel was invited to join FTB full time as a Client Service Associate. Daniel lives in Evendale, where you will regularly find him playing tennis, soccer and basketball. In his free time, he enjoys reading, walking his dog, spending time with his family, and staying in touch with the youth from his time as a camp counselor. If Daniel looks familiar, you may recognize him from his 15 minutes of fame in a Skyline Chili commercial.


Registered States:
OH


Michael James Braun

Wealth Strategy Associate
513-792-3752

email



Michael began working for UBS in the summer of 2016 as an intern, and transitioned into a part-time role as a Client Service Associate while continuing his education at Xavier University. Upon graduating with a B.S.B.A with majors in Finance and Marketing in Spring 2017, he was invited to join FTB full time as a Client Service Associate. Michael is a newcomer to Mason, OH, where you are likely to find him spending time with friends or engaging in a competitive game of tennis. In his free time, he enjoys listening to his favorite albums from his record collection as well as traveling all over Cincinnati in search of the best restaurants the Queen City has to offer. Although he’s been in Cincinnati since 2013, his roots trace back to St. Louis, MO where his sports loyalties still lie.


Registered States:
AR, AZ, CA, CO, DE, FL, GA, IL, IN, KY, LA, MA, MD, ME, MI, MN, NC, NE, NJ, NY, OH, PA, SC, TN, TX, VA, WI


Heather Reed

Client Service Associate
513-792-3770

email



Heather comes to FTB bringing with her 15 years of experience in customer service including 10 years in the financial industry. Originally from Louisville, Heather has lived in the Cincinnati area for the past 3 years with her husband and son. In her free time, she regularly travels to Louisville to spend time with family or catching the latest play at the Actors Theatre of Louisville. You can also find her cheering on her favorite team, the Cincinnati Reds.

 


Jessica Stallo

Client Service Associate
513-794-5400

email



Jessica Stallo joins the FTB team as a Client Service Associate working primarily with Kelly Wittich. Jessica brings 7 years of experience in the financial services industry. She graduated from the University of Cincinnati with a BBA in Operations Management & holds her Series 6, 63, & Life & Health Insurance License. Jessica lives in Oakley with her husband Sean, their son Harry & dog Bella.


Registered States:
OH


Jennifer D'Annunzio

Authorized Officer
Client Service Associate
513-792-3775

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Amy Christine Emmett

Client Service Associate
513-792-3754

email



Amy joined the FTB team in August 2019, bringing with her 3 years industry experience as a business development manager at US Bank. Amy graduated from the University of Pittsburgh with a BA in Business Management with concentration in marketing and PR. Originally from Greenville PA, Amy has been living in Ohio for 5 years with her pup, Kali, and cat, Bella.


Andrew Eagan

Wealth Strategy Associate
513-792-3746

email



Drew began working for FTB as an intern in January 2018. Upon graduating from the University of Cincinnati with a B.S.B.A. in Finance and minor in Information Systems, Drew was invited back to join FTB full time as a Wealth Strategy Associate. Prior to UBS, Drew gained industry experience in college by interning with a variety of financial institutions such as Fifth Third Bancorp and US Bancorp.

Drew grew up in Mason, OH, and attended St. Xavier High School before enrolling in the University of Cincinnati. During his free time, Drew enjoys playing sports, working out, traveling, and spending time with friends. Drew is one of three triplet brothers, and also has an older sister.


Registered States:
OH


Lauren Cecilia "Lauren" Hipp

Client Service Associate

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Ryan Edwin Coffey

Client Service Associate

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