Your life. Your wealth. Your future.

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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 moveto 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. 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.

• Forbes Best-in-State Wealth Management Teams, 2023The 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.

• Wharton Undergraduate
• University of Pennsylvania

• Senior Portfolio Manager

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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 practice to Smith Barney becoming Vice President Wealth Management. While at Smith Barney, Ralph attained the Portfolio Manager designation which is awarded to a select group of investment professional who have met higher levels of educational and investment experience standards. He joined Albany Wealth Management Group in 2014 as Portfolio Manager and Vice President Wealth Management.

Ralph's wealth management practice 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 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, 2023The 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.

• Senior Portfolio Manager

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Zack joins Albany Wealth Management as a Financial Advisor Associate. He will be working hand in hand with our current advisors to help clients reach their financial goals. Prior to joining the group, he was a Wealth Planning Associate working in our New York City offices. As a Wealth Planning Associate, Zack had the great opportunity to work with numerous financial advisor’s clients across multiple offices. He provided guidance in a number of areas including: portfolio management, risk management, estate planning, retirement planning, cash flow analysis, charitable giving and wealth transfer.

Zack holds the CERTIFIED FINANCIAL PLANNER™ and the Accredited Wealth Management Advisor (AWMA) certifications, as well as the FINRA Series 7 and 66 licenses. Zack attended Boston College before receiving a B.S. in Economics from Bucknell University where he graduated with honors.  After graduation, and prior to joining UBS, he lived in Europe, where he played professional soccer. He looks forward to bringing his diverse background to Albany Wealth Management, and returning to his hometown.

• Forbes Best-in-State Wealth Management Teams, 2023The 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.

• Bucknell University, Economics

• CERTIFIED FINANCIAL PLANNER™

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Carrie began her career in 1999 and joined UBS in 2010.  During challenging financial environments, Carrie knows that it is especially important to stay focused on retirement goals.  As a Chartered Financial Planner, 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.

• Cornell University , Applied Economics and Business Management

• CERTIFIED FINANCIAL PLANNER™
• Chartered Retirement Planning Counselor℠
• Certified Divorce Financial Analyst

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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.

• Chartered Financial Analyst®
• Portfolio Manager

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Ken began his career over thirty years ago with Smith Barney and its predecessor firms (EF Hutton, Shearson Lehman Brothers), and after careful consideration, moved to UBS in August of 2010.  Ken was accepted into the Portfolio Management Program, a privilege granted to select financial advisors who have met certain prescribed educational, compliance and investment management standards. 

Ken describes himself as an investment consultant committed to always striving to provide the utmost in service and performance for each of his clients.  By offering solid experience and the tools of a major service firm, he can guide clients through the investment maze.  He prides himself on always acting honestly, with integrity and in the best interest of his clients, so that each would be proud to recommend him to their friends and family.

As a youth, Ken was an Eagle Scout and has carried those ideals into his adult life by being active in many community activities.  He is a member and past master of Wadsworth Masonic Lodge #417, a member of Ancient Scottish Rite Valley of Albany, a member of Cyprus Shrine, a member and past president of the Capital District Business Leaders, a member and Lay Eucharistic Minister of St. Stephen's Episcopal Church, past coach of youth soccer, baseball and basketball, and is a 2004 Inductee to the Albany Twilight Baseball League Hall of Fame.

• Forbes Best-in-State Wealth Management Teams, 2023The 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.

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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 has 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 clients 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.