Your financial life. Our experienced perspective.

Whether you want to buy a second home, pay for the education of your grandkids or retire on a certain date, it all boils down to one question: “Do I have enough?”

We are experienced and caring financial advisors who devote our time to helping clients answer that question with confidence. We work with professionals, executives and business owners and their families, acting as their personal financial strategist to address all aspects of their life and wealth. Our clients include those who are just starting to build wealth, successful individuals approaching retirement and retirees planning their legacy.

Meeting regularly in person, we forge close relationships with our clients. In fact, we have built our business on referrals from those we have helped. If you are ready to design a comprehensive financial plan and work with an accomplished team, talk to us.

STM Wealth Management Group


phone

248-637-0274



phone

855-821-4312





address

UBS Financial Services Inc.
2301 W Big Beaver Road
Suite 800
Troy, MI 48084




Team members have been recognized as industry leaders

Paul J. Monacelli

  • Forbes Best-In-State Wealth Advisors in Michigan, 2019, 2020
  • Forbes Top Next-Gen Best-In-State Wealth Advisors, 2019
  • Forbes Best In State Next Generation, 2019
  • Forbes America's Top Next Generation Wealth Advisors, 2018
  • UBS Top 35 Under 35, 2015, 2016, 2017

Paul A. Toby

  • Forbes Best-In-State Wealth Advisors in Michigan, 2019, 2020

Our office locations

Troy
2301 W Big Beaver Rd.
Suite 800
Troy, MI 48084

Farmington Hills
32300 Northwestern Hwy # 150
Farmington Hills, MI 48334

Plymouth
30 Penniman Ave
Plymouth, MI 48170


A focus on planning

Strategies and solutions for complex needs

You wouldn’t take a long car trip without your GPS. A road map is just as critical for your financial journey.

“We try to discover and address what keeps our clients up at night. If it’s keeping them up, it’s keeping us up.”

— Paul Toby

Our team can design a comprehensive financial plan that incorporates your:

  • Cash flow needs
  • Liability concerns
  • Growth goals
  • Tax considerations
  • Legacy wishes

We’ll start by conducting a Financial Goal Analysis to determine whether you’re on track to meet your goals—and identify any gaps. We will clearly explain our recommendations, and lay out the necessary adjustments and next steps.

Only then will we consider specific investments, which will be tailored to your income requirements and risk tolerance. We seek to help you stick to the plan over time, and we measure progress toward your goals rather than performance relative to a benchmark.

As the point person for your family’s financial life, we’ll coordinate with your tax and legal advisors to help ensure that everything is working in harmony and nothing is overlooked.


A commitment to service

A proactive team that puts you first

Money is an emotional topic. We take the time to understand what it means to you. And we make clear communication a priority.

“Our recommendations are based on a client’s total balance sheet. We position ourselves as our client’s personal CFO .”

— Paul Monacelli

Our team is motivated by a sincere desire to help others. This comes through in our caring approach and our responsive service.

We’ve built a large team, each with our own areas of specialization, to respond quickly to your questions and requests. We communicate frequently, return phone calls and e-mails promptly, and welcome the opportunity to meet with you in person at one of our three offices.

Our dedication to face-to-face conversations sets us apart from many other advisors. Only by checking in regularly with you and anticipating your changing needs can we avoid unplanned selling and unintended consequences. Our goal is to give you a positive experience and exceed your expectations.


A global firm

The resources to address your entire situation

Over time, you may require more sophisticated solutions and specific expertise. We can connect you with the depth of UBS for all of your personal and business needs.

As part of the world’s largest wealth manager,1 we have access to intellectual capital, industry experts and global research to inform and enhance your financial plan. Our extended team includes insurance specialists, private bankers, tax strategists and mortgage lenders, among others.

We can harness the size and global presence of UBS on behalf of you, your family and your business.




Insights

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