Your life. Your wealth. Your future.

Pursue what matters most

Where are you today and where do you want to be tomorrow? We recognize that a lasting relationship starts by listening and understanding your priorities and concerns. We'll work together to look at the big picture, discuss your vision for the future and help you confidently pursue your life goals.

Three generations in front yard
Retirement planning

Retirement planning

Institutional consulting

Institutional consulting

Business transition and succession planning

Business transition and succession planning

Pursuing your goals together

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.

  • Joe Headshot

    Joe Calao, CIMA, CRPC, CRPS, CEPA

    Senior Vice President–Wealth Management

    Institutional Consultant, UBS Institutional Consulting Program

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    RankCredential
    • AL
    • AR
    • AZ
    • CA
    • CO
    • DC
    • FL
    • GA
    • IL
    • IN
    • KS
    • KY
    • LA
    • MA
    • MI
    • MO
    • NC
    • NH
    • NJ
    • NM
    • NY
    • OH
    • OK
    • PA
    • SC
    • TN
    • TX
    • UT
    • VA
    • WA
    • WI
    • WV

    Joe has more than 20 years of experience working in the industry and has been a part of the Calao Wealth Management Group at UBS since 2009. He graduated from Texas A&M University with a BA in Speech Communications. Joe specializes in retirement planning for individuals and corporations. He helps corporations develop, administers retirement plans for businesses and their employees, serves as a fiduciary on retirement plans, helps owners integrate their personal, financial and business goals, as well as help them understand how to transition their businesses. In 2017 and 2020, Joe was awarded the Financial Times Top 401 Advisor and in 2020 and 2021, he was awarded the Forbes Best-in-State Advisor. Committed to helping his community, Joe supports Rotary International, Waco Symphony, REACH Therapeutic Riding and ROCK, Ride On Center for Kids. He also enjoys cooking, playing golf, exercising, working on his ranch and raising champion dressage horses with his wife, Christine.

    • Financial Times 401 Top Retirement Advisors, 2017, 2020
    • Forbes/SHOOK Best-In-State Wealth Advisors, 2020, 2021, 2022
    • Texas A&M University, B.A. Speech Communications
    • Institutional Consultant, UBS Institutional Consulting Program
    • Certified Exit Planning Advisor
    • Certified Investment Management Analyst®
    • Chartered Retirement Planning Counselor℠
    • Chartered Retirement Plans Specialist℠
    Retirement planning
    Financial planning
    Retirement Plan consulting
    Institutional consulting
    Business owners
    Professionals
    Exit planning
    Business succession
    200 West Highway 6
    Suite 400
    Waco, TX 76712
  • Hollee Headshot

    Hollee Curry

    Client Service Associate

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      Hollee is a graduate of Tarleton State University and received her BS in Psychology. She has four years of experience in the financial industry, previously working as a Lending Assistant. As a Client Service Associate for Calao Wealth Management Group at UBS, Hollee specializes in enhancing client experiences by providing them with day-to-day services. Such services include opening accounts, transferring assets, introducing and familiarizing them to online services and providing notary and medallion signatures. Outside of work, Hollee enjoys photography, raising chickens and ducks and spending time with her husband, Zachary, son, Sutton, and their five dogs.

        • Tarleton State University, B.S. Psychology
          200 West Highway 6
          Suite 400
          Waco, TX 76712
        • Natalia

          Natalia Adames

          Client Service Associate

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            Natalia joined UBS in 2020, and serves as a Client Service Associate for the Calao Wealth Management Group. In her role, she focuses on providing clients with day-to-day services, including transferring assets, opening accounts, handling client communication, and assisting with online services. When she is not working, Natalia spends her time baking, playing piano, singing, gardening, and serving her church as a member. She attended McLennan Community College where she studied music and vocal performance.

                  200 West Highway 6
                  Suite 400
                  Waco, TX 76712
                • Tim Headshot

                  Tim Irwin

                  Client Service Associate

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                  Both
                  • TX

                  Tim graduated from Baylor University with a BBA in Management Information Systems and a BBA in Finance. He has been a part of the Calao Wealth Management Group at UBS since 2019. As a Client Service Associate, Tim helps research and analyze investments, runs Financial Goal Analysis reports, maintains investment policy statements, creates investment proposals and monitors wealth management portfolios. Dedicated to serving the community, Tim volunteers his time at Caritas of Waco to help fight poverty and food insecurity. He also enjoys beekeeping, playing volleyball and swimming.  

                    • Baylor University, B.B.A. Finance
                    • Baylor University, B.B.A Management Information Systems
                      200 West Highway 6
                      Suite 400
                      Waco, TX 76712
                    • Sam Headshot

                      Sam Hodges

                      Team Administrator

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                      • TX

                      Sam is a Baylor University graduate and received his BA in American Studies. As a Team Administrator of the Calao Wealth Management Group at UBS, Sam increases operational efficiency for the team, produces videos and podcasts, is heavily involved in the corporate retirement plan business, helps to monitor investment menus, runs quarterly reviews and provides technology support and investment analysis. He has his Series 7 and 66 license which allows him to serve clients by executing transactions and rebalancing portfolios. Sam leads change and serves his community as a member of his Rotary Club. He enjoys traveling with his family, playing golf, reading and following Formula 1 racing and Premier League soccer.

                        • Baylor University, B.A. American Studies
                          200 West Highway 6
                          Suite 400
                          Waco, TX 76712

                        How can you be more certain in an uncertain market?

                        Let's put your plan in place, for today, tomorrow and for generations to come

                        You don't have to let market volatility get in the way of your long-term goals. Through the plan we create together, we can help you pursue what matters most.

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                        Global leader

                        UBS is a world-leading wealth manager

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                        Institutional Investor, 2021 Global Rankings

                        Best

                        Global private bank services, 2016-2022
                        Euromoney Private Banking and Wealth Management Survey, 2022