$6 trn
UBS Group invested assets
As of 12/31/2024
Pursue what matters most
We make a real impact in the lives of our clients by guiding them through major life events and helping them preserve and pass on their wealth. Our customized approach focuses on thoughtful financial planning and wealth management that looks beyond your investments and encompasses all aspects of your financial life.
Our mission is to provide quality strategies customized to your needs. Our goal is to be your primary source of financial advice. To this end, we concentrate our efforts on developing long-term relationships through a commitment to quality client service.
Bob started in the financial services industry in 1979, with early stints at Merrill Lynch and Prudential Securities. A pivotal change was the move to Dean Witter Reynolds in 1991 which allowed him to begin to manage portfolios on a discretionary basis, rare for the retail brokerage industry in that time period. A move to Smith Barney in 1995 offered participation in a much more sophisticated Portfolio Management program, as well as 14 years as a branch manager for the company. The purchase of Smith Barney by Morgan Stanley prompted a move to UBS Financial Services in 2012. Bob carries the title of Senior Portfolio Manager at UBS. He has extensive training in portfolio construction and management, retirement planning, as well as family office management and estate planning strategies. Bob attended Wharton Undergraduate, and graduated from the University of Pennsylvania.
Outside of the financial world, Bob is involved in auto racing, acting as management advisor to a road racing series based in the eastern USA as well as an active professional driver in that series. He also continues to play organized league ice hockey in the winter and tries to play golf during the summer.
Ralph Lemme has been in the investment advisory business for over 25 years. He began his career as a financial advisor with Merrill Lynch and was later promoted to Assistant Vice President Senior Financial Advisor. In 2004, Ralph moved his business to Smith Barney becoming Vice President Wealth Management. While at Smith Barney, Ralph attained the Portfolio Manager designation. He joined the Albany Wealth Management Group at UBS Financial Services Inc in 2014 as a Vice President - Wealth Management, Financial Advisor and Portfolio Manager.
Ralph's wealth management business is focused on working with a select group of successful families, business owners and professionals. He firmly believes that a comprehensive planning based approach is the most effective way for clients to achieve their financial goals.
He currently is a board member of the Weare C. Little Memorial Park Association and has previously served on committees for both Cub and Boy Scouts in the Fort Orange District. Ralph has also been active as assistant coach for the North Colonie Youth Baseball Association. He is a lifelong resident of the capital district and currently lives in Loudonville with his wife and two children.
For most of his career, Jay has helped affluent families and successful professionals pursue their financial goals. With a passion for taking care of his clients and helping to solve their complex investment challenges, he creates a wealth management experience that is built around a personal approach.
Prior to joining UBS in 2022, Jay worked at Bank of America Private Bank (formerly U.S. Trust) for 14 years where he was a Managing Director and Portfolio Manager. In this role he was responsible for creating and maintaining personalized investment strategies and advising on a broad range of wealth management services including portfolio management, asset allocation, tax-minimization strategies, and retirement and multi-generational planning. Jay also co-managed Bank of America Private Bank’s Global Opportunities Portfolio from 2014 to 2018 and was a senior analyst on the World Thematic Alpha Portfolio from 2010-2012. In these roles he traveled extensively across the globe attending investment conferences in cities such as Tokyo, Hong Kong, Bangkok, and Beijing. Prior to joining Bank of America, Jay was an investment advisor with Glen Eagle Advisors, LLC. He began his financial services career as an analyst for Analysis Group, an economic consulting firm.
Jay graduated Cum Laude from Ithaca College with a B.S. in applied economics. He holds the Chartered Financial Analyst (CFA®) designation and is a member of both the CFA Institute and the New York Society of Security Analysts (NYSSA). He also holds the Series 7 and Series 63 securities licenses.
Jay has long been a mentor for younger analysts who aspire to be a portfolio manager (U.S. Trust Analyst Mentoring Program). When he and his wife lived in Manhattan they enjoyed volunteering at Green Thumb, where they cleaned up parks in the East Village. Jay also volunteered at the West Side Campaign Against Hunger.
Jay lives in Chatham, New York with his wife Mayumi, daughter Mia, and dog Jackson.
Carrie began her career in r1999 and joined UBS in 2010. During challenging financial environments, Carrie knows that it is especially important to stay focused on retirement goals. As a CERTIFIED FINANCIAL PLANNER™ professional, Carrie focuses exclusively on helping clients build secure retirement strategies. Her experience and knowledge enable her to offer customized wealth management advice and personalized retirement income strategies for success.
Carrie finds that few people have the resources or temperament to successfully navigate the complex decision making involved with managing their assets. She gains great satisfaction in taking these often daunting issues and clarifying the fundamental points for her clients to help them make the best decisions possible.
Carrie is a graduate of Cornell University with a degree in Applied Economics and Business Management. Carrie’s home is in Guilderland, NY with her husband, Mikey, and their son, Caeben where they are active in the community. She is a founding member of the Greyson Project, delivering bags of decorations to families spending the holidays in Children's Hospitals across the country and also a board member of Harky's Heroes for Kids.
Barbara’s experience in the financial services profession spans 30+ years. Barbara’s career began in banking, assisting clients with their financial needs. In 1994 she transferred to the securities industry and has made client services her priority since. While clients have always been her priority, Barbara has also served as an Operations Manager, Branch Services Administrator and Branch Technology Liaison.
Prior to joining UBS, Barbara worked at Merrill Lynch, AXA Advisors and Smith Barney/Morgan Stanley. She even worked for UBS while living in Colorado for a few years. This diversity and exposure has given her a vast base to draw on and extensive hands on experience working with clients. Barbara is well equipped to assist clients with any number of situations and strives to make the client's experience the best possible.
Barbara is a graduate of State University of New York/ Albany with a BA in Political Science/Psychology. She currently resides in South Glens Falls with her husband, Tony and their 2 wonderful Goldendoodles. They spend as much of their free time as possible traveling, including weekend drives, cruising and camping with the dogs. You might also run into them at one of the local golf courses or out fishing.
Bob started in the financial services industry in 1979, with early stints at Merrill Lynch and Prudential Securities. A pivotal change was the move to Dean Witter Reynolds in 1991 which allowed him to begin to manage portfolios on a discretionary basis, rare for the retail brokerage industry in that time period. A move to Smith Barney in 1995 offered participation in a much more sophisticated Portfolio Management program, as well as 14 years as a branch manager for the company. The purchase of Smith Barney by Morgan Stanley prompted a move to UBS Financial Services in 2012. Bob carries the title of Senior Portfolio Manager at UBS. He has extensive training in portfolio construction and management, retirement planning, as well as family office management and estate planning strategies. Bob attended Wharton Undergraduate, and graduated from the University of Pennsylvania.
Outside of the financial world, Bob is involved in auto racing, acting as management advisor to a road racing series based in the eastern USA as well as an active professional driver in that series. He also continues to play organized league ice hockey in the winter and tries to play golf during the summer.
Ralph Lemme has been in the investment advisory business for over 25 years. He began his career as a financial advisor with Merrill Lynch and was later promoted to Assistant Vice President Senior Financial Advisor. In 2004, Ralph moved his business to Smith Barney becoming Vice President Wealth Management. While at Smith Barney, Ralph attained the Portfolio Manager designation. He joined the Albany Wealth Management Group at UBS Financial Services Inc in 2014 as a Vice President - Wealth Management, Financial Advisor and Portfolio Manager.
Ralph's wealth management business is focused on working with a select group of successful families, business owners and professionals. He firmly believes that a comprehensive planning based approach is the most effective way for clients to achieve their financial goals.
He currently is a board member of the Weare C. Little Memorial Park Association and has previously served on committees for both Cub and Boy Scouts in the Fort Orange District. Ralph has also been active as assistant coach for the North Colonie Youth Baseball Association. He is a lifelong resident of the capital district and currently lives in Loudonville with his wife and two children.
For most of his career, Jay has helped affluent families and successful professionals pursue their financial goals. With a passion for taking care of his clients and helping to solve their complex investment challenges, he creates a wealth management experience that is built around a personal approach.
Prior to joining UBS in 2022, Jay worked at Bank of America Private Bank (formerly U.S. Trust) for 14 years where he was a Managing Director and Portfolio Manager. In this role he was responsible for creating and maintaining personalized investment strategies and advising on a broad range of wealth management services including portfolio management, asset allocation, tax-minimization strategies, and retirement and multi-generational planning. Jay also co-managed Bank of America Private Bank’s Global Opportunities Portfolio from 2014 to 2018 and was a senior analyst on the World Thematic Alpha Portfolio from 2010-2012. In these roles he traveled extensively across the globe attending investment conferences in cities such as Tokyo, Hong Kong, Bangkok, and Beijing. Prior to joining Bank of America, Jay was an investment advisor with Glen Eagle Advisors, LLC. He began his financial services career as an analyst for Analysis Group, an economic consulting firm.
Jay graduated Cum Laude from Ithaca College with a B.S. in applied economics. He holds the Chartered Financial Analyst (CFA®) designation and is a member of both the CFA Institute and the New York Society of Security Analysts (NYSSA). He also holds the Series 7 and Series 63 securities licenses.
Jay has long been a mentor for younger analysts who aspire to be a portfolio manager (U.S. Trust Analyst Mentoring Program). When he and his wife lived in Manhattan they enjoyed volunteering at Green Thumb, where they cleaned up parks in the East Village. Jay also volunteered at the West Side Campaign Against Hunger.
Jay lives in Chatham, New York with his wife Mayumi, daughter Mia, and dog Jackson.
Carrie began her career in r1999 and joined UBS in 2010. During challenging financial environments, Carrie knows that it is especially important to stay focused on retirement goals. As a CERTIFIED FINANCIAL PLANNER™ professional, Carrie focuses exclusively on helping clients build secure retirement strategies. Her experience and knowledge enable her to offer customized wealth management advice and personalized retirement income strategies for success.
Carrie finds that few people have the resources or temperament to successfully navigate the complex decision making involved with managing their assets. She gains great satisfaction in taking these often daunting issues and clarifying the fundamental points for her clients to help them make the best decisions possible.
Carrie is a graduate of Cornell University with a degree in Applied Economics and Business Management. Carrie’s home is in Guilderland, NY with her husband, Mikey, and their son, Caeben where they are active in the community. She is a founding member of the Greyson Project, delivering bags of decorations to families spending the holidays in Children's Hospitals across the country and also a board member of Harky's Heroes for Kids.
Barbara’s experience in the financial services profession spans 30+ years. Barbara’s career began in banking, assisting clients with their financial needs. In 1994 she transferred to the securities industry and has made client services her priority since. While clients have always been her priority, Barbara has also served as an Operations Manager, Branch Services Administrator and Branch Technology Liaison.
Prior to joining UBS, Barbara worked at Merrill Lynch, AXA Advisors and Smith Barney/Morgan Stanley. She even worked for UBS while living in Colorado for a few years. This diversity and exposure has given her a vast base to draw on and extensive hands on experience working with clients. Barbara is well equipped to assist clients with any number of situations and strives to make the client's experience the best possible.
Barbara is a graduate of State University of New York/ Albany with a BA in Political Science/Psychology. She currently resides in South Glens Falls with her husband, Tony and their 2 wonderful Goldendoodles. They spend as much of their free time as possible traveling, including weekend drives, cruising and camping with the dogs. You might also run into them at one of the local golf courses or out fishing.
Eligibility is based on quantitative factors and is not necessarily related to the quality of the investment advice. For more information on third party rating methodologies, please visit ubs.com/us/en/designation-disclosures.
Eligibility is based on quantitative factors and is not necessarily related to the quality of the investment advice. For more information on third party rating methodologies, please visit ubs.com/us/en/designation-disclosures.
What’s really important to you—today and for the long term? UBS Wealth Way starts with questions and discussions that can help you organize your financial life into three key dimensions: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own.
UBS Wealth Way is an approach incorporating Liquidity. Longevity. Legacy. strategies that UBS Financial Services Inc. and our Financial Advisors can use to assist clients in exploring and pursuing their wealth management needs and goals over different time frames. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved. All investments involve the risk of loss, including the risk of loss of the entire investment. Time frames may vary. Strategies are subject to individual client goals, objectives and suitability.
A lot has changed since President Trump took office. His administration has initiated policy changes and markets have reacted. The Chief Investment Office (CIO) anticipates further volatility amid tariff concerns but continues to expect gains for the S&P 500 by year-end. A solid US economy and healthy corporate earnings growth should support the rally.
06 March 2025
For more than 160 years, UBS has proven its strength and guided clients through a wide range of market opportunities and financial challenges. Time and again, we’ve been tested and proven resilient, and our clients continue to put their trust in us and our wealth management expertise to help them achieve their goals. Today, UBS is stronger than ever.
Are you ready?
In the first 100 days of a second Trump administration, policy uncertainty continues to dominate. Do you have questions about the impact of tariffs, inflation and geopolitical developments on your investment strategy?
We’re here to help you make sense of it all and move forward with confidence. Make sure your portfolio is prepared for ongoing market volatility.
$6 trn
UBS Group invested assets
As of 12/31/2024
51 countries
Our global footprint
Global leader
UBS is a leading and truly global wealth manager
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