Your life. Your wealth. Your future.

• AZ
• CA
• CO
• CT
• DE
• FL
• GA
• ID
• IL
• KS
• MA
• MD
• ME
• MI
• MO
• NC
• NH
• NJ
• NM
• NV
• NY
• OH
• OR
• PA
• RI
• SC
• TN
• UT
• VA
• VT
• WI

• Forbes Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

• AZ
• CA
• CO
• CT
• DE
• FL
• GA
• ID
• IL
• KS
• MA
• MD
• ME
• MI
• MO
• NC
• NH
• NJ
• NM
• NV
• NY
• OH
• OR
• PA
• RI
• SC
• TN
• TX
• UT
• VA
• VT
• WI

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.

• Forbes Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

• AZ
• CA
• CO
• CT
• DE
• FL
• GA
• ID
• IL
• KS
• MA
• MD
• ME
• MI
• MO
• NC
• NH
• NJ
• NM
• NV
• NY
• OH
• OR
• PA
• RI
• SC
• TN
• TX
• UT
• VA
• VT
• WI

• Forbes Best-in-State Wealth Management Teams, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

• Chartered Financial Analyst®

• AZ
• CA
• CO
• CT
• DE
• FL
• GA
• ID
• IL
• KS
• MA
• MD
• ME
• MI
• MO
• NC
• NH
• NJ
• NM
• NV
• NY
• OH
• OR
• PA
• RI
• SC
• TN
• TX
• UT
• VA
• VT
• WI

• Forbes Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

• CA
• CT
• FL
• MA
• MD
• NC
• NJ
• NY
• PA
• SC
• VT

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.

• Forbes Best-in-State Wealth Management Teams, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

• CA
• CT
• FL
• MD
• NC
• NJ
• NV
• NY
• PA

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.