Family. Wealth. For Generations.

We believe that good financial planning advice is invaluable—it helps prepare you for whatever life brings. But it is especially important during times of major life change. Our process focuses on you and the priorities, goals, concerns and beliefs that will ultimately impact your financial well-being for years to come. We're here to help you tackle your concerns and embrace the opportunities that can enrich and empower you today and for years to come.

Start the conversation

A focus on personalized access and service

Working with diverse clients with specific needs, our team sees it as our top responsibility to understand each aspect of your unique and often complicated financial life.

The power of investing now

Preparing your business

Though many business owners have an idea about what their future may hold, few have developed a plan. The earlier you start to plan your transition strategy, the better the outcome will be, even if it is many years in the future.

We can provide you with a plan of action for how best to sell it, helping you think through important questions such as:

What are your desired financial objectives?
Is there a strong management structure and succession plan?
Do you have a realistic picture of the net after-tax sale proceeds to help determine the most advantageous way to structure the sale for tax purposes?
Are there activities you and your team can accomplish in the near term to maximize the value of your business before sale?
Do you have a good understanding of how your company is currently valued within your industry?
Do you have a comprehensive risk management assessment for the business?
If it’s a family business, have you come to an understanding with the next generation on roles and responsibilities?

Your lifelong financial plan. UBS Wealth Way

When it comes to achieving your goals, our strategic approach can help you pursue what matters most—for today, tomorrow and for generations to come. Through deeper conversations, including five simple questions, we clarify what you’d like to accomplish and map out solutions for every phase of your life.

_{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.}

Helping women take charge

Pursuing your goals together

At Bergen County Wealth Management, our mission is to ensure that you and your family are best positioned to achieve your goals using the resources of our premier global world class firm, while delivering the personalized touch of a family office. Our team manages $1 billion in assets from our office in Paramus, New Jersey. Each and every family receives white glove service from the partners of the group.

Our team of seasoned Financial Advisors, Senior Portfolio Managers and service professionals are committed to listening to you, assessing your concerns and developing a clear action plan to make sure that all of your assets are working toward helping you achieve what matters most. We are well-positioned with advice and solutions that look beyond investing. Our priority is helping you meet all of your financial goals.

Ernie Kloock

Senior Vice President–Wealth Management

Portfolio Manager
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IA
- KY
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- VT
- WA
Ernie has been providing individuals, families, and businesses with comprehensive wealth management and investment solutions for over two decades. He employs a disciplined and holistic approach of analyzing cash flows and risk tolerances to construct individualized and tailored portfolios that suit specific needs. Ernie also provides extensive knowledge in retirement and legacy planning, as well as financing strategies and options.

Ernie spent 12 years with Merrill Lynch and 4 years with Morgan Stanley before joining UBS in 2014. Ernie is proud to provide our clients with the extensive research and wealth management solutions that UBS has to offer.

Ernie resides in Oakland, NJ with his wife Tracy, and daughters Ava and Olivia.
- 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.
- Portfolio Manager
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
Stephen R. Laddy CPM

Senior Vice President–Wealth Management

Senior Portfolio Manager
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IA
- KY
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- VT
- WA
Stephen is a Senior Portfolio Manager and partner of Axis Wealth Partners at UBS with over 25 years of experience providing high-level customized investment advice. He is responsible for risk assessment, financial planning and wealth management. With a disciplined and well-defined process, he coordinated with his team of professional advisors to provide an all-encompassing comprehensive wealth management plan for his clients.

Stephen understands that his clients are in different stages of life and plans financial security based on each individual or family need. His strong sense of strategic planning and integrity stem from his years of service in the military as a Squad Leader in the United States Army Special Operations Command. He received his Certified Portfolio Manager Designation from the prestigious Columbia University.

Having a strong sense of community, Stephen is an advocate of giving back through local charities, school events and coaching his children’s sports teams. He volunteers as a Military Veteran Mentor with the American Corporate Partners and also sits on the Board of Directors for The Academy of Certified Portfolio Managers. Stephen loves the outdoors and is an avid athlete. He enjoys skiing, hiking, scuba diving, golfing and travelling. He lives in NJ with his wife Jennifer and their three children, Matthew, Isabella and Victoria.

Stephen.Laddy@ubs.com

(973) 202-4724
- 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
- Certified Portfolio Manager®
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
John Serocke

Senior Vice President–Wealth Management

Senior Portfolio Manager
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IA
- KY
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- VT
- WA
For nearly 28 years, John has been committed to providing holistic financial planning and portfolio management based on a true understanding of his client’s risk, goals and dreams. He began his career in banking as a lending officer and branch manager. He moved into the brokerage business and became a financial advisor because of his dedication to bringing value to clients. His enthusiasm for the markets, financial planning and providing relevant guidance has really made an impact in his client’s lives.

Having joined UBS in 2014, John focuses primarily on active portfolio management through the UBS Portfolio Management Program (PMP).

John earned his degree in finance and marketing from Iona College. He is active in raising money for children’s cancer and with the Bergen Catholic School alumni organization. He and his wife, Claudine, have a daughter, Catrina. Outside of work, John is dedicated to his family and enjoys autos, fishing and spending time at the Jersey Shore.
- 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
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
Deann Cavagnaro

Senior Vice President–Wealth Management

Wealth Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IL
- KY
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- VT
- WA
- WI
DeAnn Cavagnaro has nearly two decades of financial services experience. She focuses on creating comprehensive financial plans for high net-worth clients and multi generations.

As a Portfolio Manager, she is dedicated to adding value to her clients and is focused on providing a holistic approach to financial planning. Deann helps her clients make decisions using a hands on approach that allows them to really feel they are keeping a sound and sensible eye on their money.

Having joined UBS in 2016, DeAnn focuses on active management and education. In her continuous strive to stay current and understand new trends, she recently graduated with a UBS Wealth Advisor designation. This achievement represents a certification that assists her in addressing complex client needs using a vast array of wealth management tools.

DeAnn attended Ramapo College and studied abroad at Urbino University in Italy, where she studied International Business and Italian. She is extremely active in her community, church and charities. DeAnn has taught CCD, coached her children’s sports, and was the treasurer on the High School Board. She enjoys the outdoors, fitness, baseball , and watching her children’s sporting events. DeAnn lives in NJ with her husband Barry and their two children, Christian and Juliet.
- Forbes America's Top Women Wealth Advisors Best-in-State, 2022, 2023, 2024The Forbes rating is compiled by Shook Research and awarded annually in February based on information from a 12 month period ending September of the prior year.
- 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.
- Wealth Advisor
- Senior Portfolio Manager
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
Barry Cavagnaro

First Vice President–Wealth Management

Senior Wealth Strategy Associate
View bio
- AZ
- CO
- CT
- DE
- FL
- GA
- MA
- MD
- ME
- MN
- NC
- NJ
- NY
- PA
- SC
- TX
- VT
- WI
Barry Cavagnaro has over 28 years of experience in the financial services industry. Barry works with affluent clientele to first understand their wealth and all of its potential. This enables him to help clients successfully manage both the uncertainty and the opportunity of the constantly evolving financial landscape. Barry is a graduate of Hofstra University and is proud to have played briefly for the New York Jets. In his spare time, he enjoys coaching youth baseball, sports and cheering on his beloved New York Yankees. Barry and his wife DeAnn have two children, Christian and Juliet, and currently reside in Wyckoff, New Jersey.
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
Melissa Lovell

First Vice President

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IL
- KY
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- VT
- WA
Melissa Lovell has over 25 years of experience in the financial services industry. Melissa works with affluent clientele to first understand their needs and goals. She focuses on creating comprehensive financial plans for high net-worth clients and their families. She is a graduate of The University of Dayton where she studied business and history. Melissa is active in her community as a girl scout board member for local troops, a member of PTO, and active in many local charities. Melissa has twin daughters, Lilyanna and Elizabeth, and currently resides in Edgewater, New Jersey.
- 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.
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652

James Kremen

Senior Wealth Strategy Associate
View bio
- FL
- GA
- NJ
- NY
James has over 18 years of financial industry experience. He joined UBS in 2014 after more than 10 years as part of a wealth management team, with Ernie Kloock, at Merrill Lynch. James works closely with Ernie, managing client relations including investment oversight and monitoring risk, as well as assisting with other various wealth management solutions.

James graduated with a degree in Finance and Economics from Syracuse University in 2004. He also went on to attain his Chartered Retirement Planning Counselor License in 2008.

James Resides in Wayne, NJ with his daughter Ava, and Palm Beach Gardens, FL
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
Bruce Orenstein

First Vice President–Wealth Management

Financial Advisor
View bio
- CA
- CT
- FL
- GA
- MA
- MD
- NC
- NJ
- NY
- OH
- SC
- TN
- TX
- VA
Bruce Orenstein has been a financial advisor for over 3 decades, initially with Merrill Lynch and currently UBS Financial Services. After graduating college, he taught in the NYC public school system, developed curriculum there and wrote proposals for federal, state and foundation grants before moving into financial services to follow his first career choice -- the financial markets.

Bruce has a Ph.D. in Educational Administration and Supervision from St. John’s University, an M.A. and B.A. in Secondary Education from Iona University and SUNY New Paltz, respectively, and an M.B.A. in Finance from Fairleigh Dickinson University.

He has taught as an Adjunct Professor, Finance, at St. Thomas Aquinas College, Sparkill, N.Y.

In his spare time he enjoys travel, golf and always learning about the financial marketplaces.
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652

Ernie Kloock

Senior Vice President–Wealth Management

Portfolio Manager
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IA
- KY
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- VT
- WA
Ernie has been providing individuals, families, and businesses with comprehensive wealth management and investment solutions for over two decades. He employs a disciplined and holistic approach of analyzing cash flows and risk tolerances to construct individualized and tailored portfolios that suit specific needs. Ernie also provides extensive knowledge in retirement and legacy planning, as well as financing strategies and options.

Ernie spent 12 years with Merrill Lynch and 4 years with Morgan Stanley before joining UBS in 2014. Ernie is proud to provide our clients with the extensive research and wealth management solutions that UBS has to offer.

Ernie resides in Oakland, NJ with his wife Tracy, and daughters Ava and Olivia.
- 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.
- Portfolio Manager
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
Stephen R. Laddy CPM

Senior Vice President–Wealth Management

Senior Portfolio Manager
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IA
- KY
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- VT
- WA
Stephen is a Senior Portfolio Manager and partner of Axis Wealth Partners at UBS with over 25 years of experience providing high-level customized investment advice. He is responsible for risk assessment, financial planning and wealth management. With a disciplined and well-defined process, he coordinated with his team of professional advisors to provide an all-encompassing comprehensive wealth management plan for his clients.

Stephen understands that his clients are in different stages of life and plans financial security based on each individual or family need. His strong sense of strategic planning and integrity stem from his years of service in the military as a Squad Leader in the United States Army Special Operations Command. He received his Certified Portfolio Manager Designation from the prestigious Columbia University.

Having a strong sense of community, Stephen is an advocate of giving back through local charities, school events and coaching his children’s sports teams. He volunteers as a Military Veteran Mentor with the American Corporate Partners and also sits on the Board of Directors for The Academy of Certified Portfolio Managers. Stephen loves the outdoors and is an avid athlete. He enjoys skiing, hiking, scuba diving, golfing and travelling. He lives in NJ with his wife Jennifer and their three children, Matthew, Isabella and Victoria.

Stephen.Laddy@ubs.com

(973) 202-4724
- 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
- Certified Portfolio Manager®
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
John Serocke

Senior Vice President–Wealth Management

Senior Portfolio Manager
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IA
- KY
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- VT
- WA
For nearly 28 years, John has been committed to providing holistic financial planning and portfolio management based on a true understanding of his client’s risk, goals and dreams. He began his career in banking as a lending officer and branch manager. He moved into the brokerage business and became a financial advisor because of his dedication to bringing value to clients. His enthusiasm for the markets, financial planning and providing relevant guidance has really made an impact in his client’s lives.

Having joined UBS in 2014, John focuses primarily on active portfolio management through the UBS Portfolio Management Program (PMP).

John earned his degree in finance and marketing from Iona College. He is active in raising money for children’s cancer and with the Bergen Catholic School alumni organization. He and his wife, Claudine, have a daughter, Catrina. Outside of work, John is dedicated to his family and enjoys autos, fishing and spending time at the Jersey Shore.
- 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
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
Deann Cavagnaro

Senior Vice President–Wealth Management

Wealth Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IL
- KY
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- VT
- WA
- WI
DeAnn Cavagnaro has nearly two decades of financial services experience. She focuses on creating comprehensive financial plans for high net-worth clients and multi generations.

As a Portfolio Manager, she is dedicated to adding value to her clients and is focused on providing a holistic approach to financial planning. Deann helps her clients make decisions using a hands on approach that allows them to really feel they are keeping a sound and sensible eye on their money.

Having joined UBS in 2016, DeAnn focuses on active management and education. In her continuous strive to stay current and understand new trends, she recently graduated with a UBS Wealth Advisor designation. This achievement represents a certification that assists her in addressing complex client needs using a vast array of wealth management tools.

DeAnn attended Ramapo College and studied abroad at Urbino University in Italy, where she studied International Business and Italian. She is extremely active in her community, church and charities. DeAnn has taught CCD, coached her children’s sports, and was the treasurer on the High School Board. She enjoys the outdoors, fitness, baseball , and watching her children’s sporting events. DeAnn lives in NJ with her husband Barry and their two children, Christian and Juliet.
- Forbes America's Top Women Wealth Advisors Best-in-State, 2022, 2023, 2024The Forbes rating is compiled by Shook Research and awarded annually in February based on information from a 12 month period ending September of the prior year.
- 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.
- Wealth Advisor
- Senior Portfolio Manager
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
Barry Cavagnaro

First Vice President–Wealth Management

Senior Wealth Strategy Associate
View bio
- AZ
- CO
- CT
- DE
- FL
- GA
- MA
- MD
- ME
- MN
- NC
- NJ
- NY
- PA
- SC
- TX
- VT
- WI
Barry Cavagnaro has over 28 years of experience in the financial services industry. Barry works with affluent clientele to first understand their wealth and all of its potential. This enables him to help clients successfully manage both the uncertainty and the opportunity of the constantly evolving financial landscape. Barry is a graduate of Hofstra University and is proud to have played briefly for the New York Jets. In his spare time, he enjoys coaching youth baseball, sports and cheering on his beloved New York Yankees. Barry and his wife DeAnn have two children, Christian and Juliet, and currently reside in Wyckoff, New Jersey.
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
Melissa Lovell

First Vice President

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IL
- KY
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- VT
- WA
Melissa Lovell has over 25 years of experience in the financial services industry. Melissa works with affluent clientele to first understand their needs and goals. She focuses on creating comprehensive financial plans for high net-worth clients and their families. She is a graduate of The University of Dayton where she studied business and history. Melissa is active in her community as a girl scout board member for local troops, a member of PTO, and active in many local charities. Melissa has twin daughters, Lilyanna and Elizabeth, and currently resides in Edgewater, New Jersey.
- 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.
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
James Kremen

Senior Wealth Strategy Associate
View bio
- FL
- GA
- NJ
- NY
James has over 18 years of financial industry experience. He joined UBS in 2014 after more than 10 years as part of a wealth management team, with Ernie Kloock, at Merrill Lynch. James works closely with Ernie, managing client relations including investment oversight and monitoring risk, as well as assisting with other various wealth management solutions.

James graduated with a degree in Finance and Economics from Syracuse University in 2004. He also went on to attain his Chartered Retirement Planning Counselor License in 2008.

James Resides in Wayne, NJ with his daughter Ava, and Palm Beach Gardens, FL
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652
Bruce Orenstein

First Vice President–Wealth Management

Financial Advisor
View bio
- CA
- CT
- FL
- GA
- MA
- MD
- NC
- NJ
- NY
- OH
- SC
- TN
- TX
- VA
Bruce Orenstein has been a financial advisor for over 3 decades, initially with Merrill Lynch and currently UBS Financial Services. After graduating college, he taught in the NYC public school system, developed curriculum there and wrote proposals for federal, state and foundation grants before moving into financial services to follow his first career choice -- the financial markets.

Bruce has a Ph.D. in Educational Administration and Supervision from St. John’s University, an M.A. and B.A. in Secondary Education from Iona University and SUNY New Paltz, respectively, and an M.B.A. in Finance from Fairleigh Dickinson University.

He has taught as an Adjunct Professor, Finance, at St. Thomas Aquinas College, Sparkill, N.Y.

In his spare time he enjoys travel, golf and always learning about the financial marketplaces.
61 South Paramus Road
Mack Center IV, 4th Floor
Paramus, NJ 07652

Backed by the strength of UBS

A global leader in wealth management

^$5+ trillion

In invested assets globally
As of 11/07/2023

51 countries

Our global footprint

Global leader

UBS is a world-leading wealth manager

UBS and Credit Suisse—stronger than ever

Our formal integration with Credit Suisse marks an unprecedented level of strength in our history—all in support of your financial goals. For more than 160 years, we’ve been tested and proven resilient—guiding our clients through a wide range of financial challenges and market opportunities. And we continue to demonstrate our leadership among the largest, and most respected, global banks.

Learn more

ElectionWatch: The race, world, and investments

Why does A.I. in space matter?

Insights

Managing wealth is our craft

We’re committed to understanding what wealth means for you.

At UBS, excellence comes from nurturing the best of our heritage, mastering the details and delivering the expertise you need to turn your financial vision into a reality. The result? Financial advice that is finely crafted for what matters most to you.

Family. Wealth. For Generations.

Bergen County Wealth Management

A focus on personalized access and service

The power of investing now

Preparing your business

Your lifelong financial plan. UBS Wealth Way

Helping women take charge

Pursuing your goals together

Ernie Kloock

Stephen R. Laddy CPM

John Serocke

Deann Cavagnaro

Barry Cavagnaro

Melissa Lovell

James Kremen

Bruce Orenstein