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

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

As the leader of our team’s investment strategy, Tim plays an essential role behind the scenes for all FTB families. Under Tim’s leadership, our investment strategy team works in concert with UBS CIO office and outside strategist and fund managers to develop FTB’s exclusive strategies, managing nearly $2Billion in assets. In addition, Tim leads the strategy team in providing investments ideas and recommendations, performing routine rebalancing and tax-loss harvesting, offering perspective on the markets, and taking action as circumstances change.  

Tim also serves as the primary advisor for client families. He enjoys spending time on both sides of our industry – diving into the details of investment strategies as well as putting those strategies into action with clients as he helps them work towards their financial goals.

Tim graduated from Northern Kentucky University in 1994 and attained the Chartered Financial Analyst (CFA) designation in 2003. The CFA credential is "the highest distinction in the investment management profession", per the CFA Institute. Tim joined the FTB Financial Services team in 1998 and has been a valued member of the team ever since. In 2010, Tim was voted by the team as our FTB “player of the year” and in 2020 & 2021, Tim was honored by Forbes as one of the Best-in-state wealth advisors in Ohio. Tim is known on the team for his ability to break down complex investment concepts into simple terms, plus his quick wit and entertaining dance moves.

He is active in the community, volunteering through Junior Achievement, St. Vincent DePaul and Ronald McDonald house. In his free time, he enjoys playing golf and 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 began her career as a paralegal at Greenebaum, Doll & McDonald law firm, gaining rich experience in estate planning and administration.  There, she was able to hone and refine her talents, but had a desire to work more closely with families in all aspects of their financial life. In 2001, she courageously made a career change and began as a new advisor trainee with UBS. Not for the faint of heart, Kelly thrived in her new environment, quickly gaining respect, trust, and confidence of clients and experienced advisors alike. She quickly found a home FTB Financial Services as an associate advisor, working closely with families and developing those deep connections she had longed for.

Today, Kelly is a primary advisor and one of the leaders of our team, earning recognition from Forbes as a one of America’s Top Women Advisors. In addition to working closely with client families, Kelly is the thought leader on the team in the area of trust and estate planning. Kelly also leads our team’s marketing strategy.  Kelly puts her heart into everything she does, especially when it comes to helping FTB families.  She brings positive energy to the office every day – you can often hear her singing softly to herself as she works.

Kelly is very active in the community, spending much of her free time helping others. She is Past President and currently serves on the Prokids Board of Trustees, she is a member of the Artswave Women's Leadership Roundtable Steering Committee, and is 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 engaging in all that Cincinnati has to offer with her close-knit circle of 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

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 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, NH, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI

With more than 30 years’ experience in the industry, Molly is a veteran at guiding families through financial decisions at all stages of life. Having been a working mother for more than twenty years, she has an appreciation for clients who balance the many demands of a successful career and family. She takes pleasure in helping talk through the unique dreams and goals for each family, putting a plan in place and working alongside the family as those goals become reality. Molly is known on the team for her compassion, her exceptional communication skills and attention to detail.

Molly is graduate of Salem College with a degree in economics-management and holds the CERIFIED FINANCIAL PLANNER (CFP) designation. She began her career at Bank One Investments as a financial advisor and joined the FTB Financial Services team in 2008, making an immediate impact as she guided clients through the recession. Molly is a primary client advisor, working with client families full time and mentoring newer FTB team members. 

Molly is actively engaged in community outreach at her church and enjoys volunteering with Junior Achievement. She enjoys hot yoga and staying active with her husband, Dave, and their two daughters.

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

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

If you walk in our office and immediately notice a bright positive energy, chances are it is radiating from Krista’s desk. While many FTB team members have dual roles on the team, Krista harnesses her limitless energy to serve in a number of distinct roles, all centered around one thing: relationships. Krista’s favorite and most important role is primary advisor for our clients, allowing her to develop meaningful relationships with families and helping them plan for and work towards their life’s goals.

In addition, Krista leads FTB’s financial planning team, staying on top of new legislation, employer benefits and the many considerations we account for when creating financial plans for families. She is a skilled presenter and will often be our featured speaker for seminars, sharing her deep knowledge of P&G’s LTIP & STAR awards and financial planning topics. As a working mother, Krista is passionate about bring women to the financial table and you will often find her presenting UBS’s Own Your Worth program to groups across the country. 

If that is not enough, Krista spearheads the team’s employee relations, working to recruit talented new team members who exemplify our team’s values and principles, and coordinating the professional development plans for all team members so they can realize their full potential at FTB. 

Krista is a graduate of Denison University with a B.A. in psychology and educational studies and holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. She joined the FTB team in 2006 and was recognized as FTB’s player of the year twice – as the first ever recipient in 2008 and again in 2020. Krista lives in Loveland with her husband Bob and two daughters.

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

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 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

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

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 PLANNER^TM (CFP®) & CFA® designations. He lives in Mt. Lookout with his wife, Kathryn and children Charlotte, George and Alice.

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, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI

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 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 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 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, SC, TX

When you walk into the FTB Financial Services office, the first person you will meet is Jessica. She is the front line for our team, the smiling face greeting you as you walk in the door and the pleasant voice you hear when you call our main line. In fact, you likely interacted with Jessica before you were even a client!

As the team client relationship specialist, Jessica’s role is unique. She is responsible for scheduling over 1,000 client meetings each year. Jessica is a pro at piecing together the complicated puzzle that is our team calendar, coordinating the individual calendars of more than 20 team members. A true team player, Jessica helps keep our team running. She plans our events and seminars, working behind the scenes on the many details. She acts as our office manager, keeping our supplies in stock and handling accounts payable. FTB relies on Jessica’s creativity for those extra touches, such as the décor in the office and ideas for unique, special gifts to celebrate milestones.

Jessica has been part of the UBS family since 2003, taking on a variety of roles from HR to supporting the technology needs of the business. She joined the FTB Financial Service team in 2014 and was recognized as our team’s “player of the year” in 2017. In her free time, Jessica enjoys crafting, cooking and spending time with her husband, Dean. 

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 rescue dog, Tinker. 

Registered States:
OH

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.

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 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 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

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.

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