The power of investing now

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For more than 20 years, Ernie has helped individuals, families, and business owners navigate their financial lives through comprehensive wealth management and investment planning. He takes a disciplined, holistic approach, carefully evaluating each client's cash flow needs, risk tolerance, and long-term objectives to develop customized strategies and tailored portfolios.

In addition to investment management, Ernie provides guidance on retirement planning, legacy and estate considerations, and financing solutions designed to support clients through every stage of life.

Before joining UBS in 2014, Ernie spent 12 years with Merrill Lynch and four years with Morgan Stanley, building extensive experience across all facets of wealth management. Today, he is proud to leverage UBS's global resources, research capabilities, and sophisticated wealth planning solutions to help clients pursue their financial goals with confidence.

Ernie resides in Oakland, New Jersey, with his wife, Tracy, and their daughters, Ava and Olivia.

• Forbes Best-in-State Wealth Management Teams, 2023, 2026The 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.
• UBS Wealth Management Director’s Council, 2025UBS Financial Services Inc. Councils are a distinction held by UBS Financial Advisors based on criteria including evaluation of compliance with firm rules, standards & policies and revenue. Council membership is not representative of any one client's experience and is not indicative of the advisor’s future performance.

• Senior Portfolio Manager

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DeAnn Cavagnaro brings nearly two decades of experience in the financial services industry, specializing in comprehensive wealth planning for high-net-worth individuals and multi-generational families. She is committed to helping clients navigate complex financial decisions with confidence through personalized strategies tailored to their unique goals and circumstances.

As a Portfolio Manager, DeAnn takes a hands-on, client-focused approach to wealth management. She believes in building lasting relationships and empowering clients through education, transparency, and thoughtful financial guidance. Her holistic planning process helps clients feel informed, engaged, and confident in the stewardship of their wealth.

Since joining UBS in 2016, DeAnn has focused on active portfolio management and delivering sophisticated wealth planning solutions. Dedicated to continuous learning and professional growth, she recently earned the UBS Wealth Advisor designation, an advanced certification that enhances her ability to address complex client needs through a broad range of wealth management strategies and resources.

DeAnn attended Ramapo College and furthered her studies abroad at Urbino University in Italy, where she focused on International Business and the Italian language. Outside of her professional pursuits, she is deeply committed to her community, church, and charitable organizations. Over the years, she has taught CCD, coached youth sports, and served as Treasurer on a local high school board.

In her free time, DeAnn enjoys the outdoors, fitness, baseball, and cheering on her children at their sporting events. She resides in New Jersey with her husband, Barry, and their two children, Christian and Juliet.

• Forbes Best-in-State Wealth Advisors, 2026The Forbes rating is compiled by Shook Research and awarded annually in April based on information from a 12 month period ending June of the prior year.
• Forbes Best-in-State Wealth Management Teams, 2023, 2025, 2026The 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.
• Forbes Top Women Wealth Advisors Best-in-State, 2022, 2023, 2024, 2025, 2026The 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.

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• Forbes Best-in-State Wealth Management Teams, 2025, 2026The 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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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, 2023, 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.

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James has more than 20 years of financial industry experience and joined UBS in 2014 after spending over a decade as part of a wealth management team, alongside Ernie Kloock, at Merrill Lynch. James manages client relationships, provides investment oversight, monitors portfolio risk, and helps clients navigate a wide range of wealth management solutions.

In addition, James specializes in fixed income strategies and cash flow analysis, helping clients develop tailored investment approaches designed to support income needs, preserve capital, and align with long-term financial objectives.

James graduated from Syracuse University in 2004 with a degree in Finance and Economics. He later earned the Chartered Retirement Planning Counselor™ (CRPC®) designation in 2008, further enhancing his expertise in retirement and wealth planning.

James divides his time between Palm Beach Gardens, Florida, and Wayne, New Jersey. He enjoys spending time with his daughter, Ava, and remains committed to helping clients pursue their financial goals with confidence and clarity.

• Syracuse University, B.S., Finance and Economics

• Chartered Retirement Planning Counselor

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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.

• Forbes Best-in-State Wealth Management Teams, 2026The 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.