$3.9 trillion
In invested assets globally
As of 12/31/2022
Private Wealth Management
At Certus Financial Group, our clients are busy, successful professionals who depend on us to anticipate their concerns and help manage their financial world so they can attend to life’s other important priorities. Our team includes seasoned discretionary portfolio managers, experienced advisors and planning professionals, including a certified exit planner, retirement plan consultants and Certified Financial Planners. Focusing primarily on business transition and multigenerational wealth management, we bring a mix of exit planning insight, disciplined financial planning and institutional investment management experience to each relationship.
Collectively, we’ve spent decades navigating the markets so there is very little we haven’t seen. You can trust that our investment perspective is grounded, but also open to opportunities we believe offer our clients the greatest potential benefit. Whether you’re restructuring your portfolio, creating a more tax-efficient estate planning strategy or transitioning your business, we can coordinate with your other professional advisors to deliver one integrated approach. With the feel of a boutique family office and access to the resources of a global leader in wealth management, our goal is to provide you with a trusted and consistent source of advice and solutions for every stage of life.
Ray focuses on working with high net worth families with privately held business interests and senior corporate executives. With over 30 years of experience in the financial services industry, Ray has guided clients through many market cycles to help them preserve and enhance not only their wealth, but more importantly, their lives. Ray is a graduate of The University of Delaware with a B.A. in finance. Additionally, he has earned certifications as a CERTIFIED FINANCIAL PLANNER™ (CFP®), a Chartered Retirement Planning CounselorSM (CRPC®) and a Certified Exit Planning Advisor (CEPA). He is active with American Corporate Partners where he mentors military veterans interested in becoming entrepreneurs. Ray resides in Ponte Vedra, FL with his wife Sue and has four adult children. In his spare time, he enjoys spending time with his family at Lake George NY, motorcycle touring, hiking, the NY Giants and making furniture.
Tristan focuses on financial planning and investment management for the high net worth and ultra high net worth clients of the team. Prior to joining UBS in 2011, he was a Financial Advisor and Business Development Associate with J.P. Morgan Securities. From 2005 to 2010, Tristan obtained operational and client relations experience serving in a variety of roles at Smith Barney. Tristan earned a bachelor’s degree in economics and business from Lafayette College in 2005, and in July 2012, he attained his CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. Tristan, his wife and three children live in Westchester County, NY, where they proudly support the Westchester SPCA, Inc.
Dan advises individuals, corporations and nonprofit organizations on the vast array of retirement plans and strategies. He provides insight into a client’s entire balance sheet, including their investment approach, liability management and wealth structuring solutions such as life and long-term care insurance. Dan is a graduate of Rutgers University with a B.S. in marketing. He began his career in the financial services industry in 2002 and joined UBS in 2012 after spending the prior six years at Merrill Lynch. Dan has acquired both the Chartered Retirement Planning CounselorSM (CRPC®) and the Charted Retirement Plans SpecialistSM (CRPS®) designations. He lives in Chester, NJ with his wife and two children. He proudly supports several charitable organizations including Family Promise of Morris County and is a board member of Beyond the Walls.
Bringing a career of more than 30 years as a financial advisor to the exclusive Private Wealth Management division of UBS, Angie offers extensive capital markets experience, deep investment knowledge and an astute perceptiveness about people and their needs. Since her days with Smith Barney/Citigroup, she has helped clients manage their complex wealth through periods of high and low growth and volatility. Today, she continues to share her lifelong passion for investing in the markets, welcoming the opportunity to educate curious clients about how they can participate to pursue their most important goals.
“I truly care for and am motivated by my clients. My main goal is to serve them as they entrust me with their financial future.”
Angie strives to communicate clearly to her clients, and clarify for them why portfolios are positioned as they are with respect to the economy, asset allocation and individual securities. In essence, Angie aims to make the investing conversation less intimidating and more insightful. She listens carefully to help her "tune in" to her clients, their families and their goals. The best interests of her clients are her number one priority.
Past experience
Credentials
Education
Life
Lloyd advises high net worth clients, such as executives and entrepreneurs. He uses his experience and knowledge to provide the team’s clients with a clear road map to their wealth goals. He utilizes a wide range of investment strategies focused on income generation. He graduated from Rutgers University with a B.A. in chemistry and an M.B.A. in finance. Lloyd began his financial services career in 1972. He joined Merrill Lynch in 1974 and spent 38 years there before joining UBS in 2012. Lloyd is a Chartered Retirement Planning CounselorSM (CRPC®). He resides in Long Valley, NJ with his wife. Lloyd enjoys travel, deep sea fishing and rooting for the New Jersey Devils hockey team.
Eric has been with UBS since 2012 and primarily focuses on financial planning and investment management for the team. Eric has held various roles that have provided him experience in the operational side as well as in relationship management. Before joining the Certus Financial Group, Eric worked as a Financial Advisor at UBS’s Wealth Management Americas headquarters. Eric graduated Magna Cum Laude from Rowan University with a B.S. in accounting. He holds the Series 7 and 66 securities licenses as well as the CERTIFIED FINANCIAL PLANNERTM (CFP®) and Chartered Retirement Planning CounselorSM (CRPC®) designations. He resides in Morris County, NJ with his wife, daughter, and 2 dogs. He enjoys hiking, kayaking and is active in adult ice hockey and softball leagues.
Tom focuses on investment research and is an integral advisor for the team’s discretionary portfolios. His extensive fixed income expertise is critical to the team’s portfolio management process. Having hands-on experience in the financial markets, Tom takes an active approach to managing assets, utilizing both technical and fundamental analysis. He is a graduate of William & Mary. Tom has been in the financial services industry since 1994 and joined UBS in 2012. Prior to UBS he worked at Merrill Lynch, JP Morgan Securities and Brookfield Investment Management. He resides in NJ with his family.
Steven Williams, Wealth Strategy Associate, joined UBS in 2022. Steven is a member of the Certus Financial Group, responsible for Equity and Fixed Income analysis and trading for the team's Private Wealth clients. Prior to UBS, Steven worked for Neuberger Berman and Goldman Sachs. Steven earned a BA in Economics with a minor in Psychology from Rutgers University and currently holds his Series 7 and Series 66 securities licenses. Steven resides in Chatham, NJ with his wife and daughter.
Julianne began her career in 2014, joining the Short Hills, NJ office of UBS as an intern. She seized an opportunity to take on a bigger role as a Branch Service Associate in the Florham Park, NJ office. Her experience in operational and technological support prepared her for her current role with Newman Wealth Management. Julianne has been in her current role with Angeline Newman (Managing Director - Wealth Management) since mid-2017 and has embraced the role.
Julianne has her series 7, 63, and 65 licenses. She earned a bachelor’s degree in political science from East Stroudsburg University in Pennsylvania. Julianne enjoys snowboarding, hiking, and running races. She is very active and enjoys living a healthy lifestyle.
Debbie focuses on client service and overseeing the team’s operational administration, as well as assisting with marketing and client performance reporting. She is a 30-year veteran of the financial services industry and is committed to delivering an exceptional client service experience. Debbie has developed a unique skill set that ensures her success in problem-solving, earning the trust of clients and fulfilling clients’ administrative needs. She holds the Series 3, 7 and 66 securities licenses, and is a graduate of the University of Vermont. Debbie lives in Montville, NJ with her husband, and has two grown children.
Kelle focuses on client service and provides operational and administrative support to the team's financial advisors. Kelle has over 25 years of experience in the Financial Services Industry. Before joining Certus Financial Group, Kelle spent 20 years at Goldman Capital Management Inc., a NYC based Independent Registered Investment Advisor and Hedge Fund, working directly for the Portfolio Manager/Company President. She currently maintains her series 7 and 63 securities licenses. Kelle is a graduate of St. Bonaventure University and lives in Summit, NJ with her husband and two children.
Ray focuses on working with high net worth families with privately held business interests and senior corporate executives. With over 30 years of experience in the financial services industry, Ray has guided clients through many market cycles to help them preserve and enhance not only their wealth, but more importantly, their lives. Ray is a graduate of The University of Delaware with a B.A. in finance. Additionally, he has earned certifications as a CERTIFIED FINANCIAL PLANNER™ (CFP®), a Chartered Retirement Planning CounselorSM (CRPC®) and a Certified Exit Planning Advisor (CEPA). He is active with American Corporate Partners where he mentors military veterans interested in becoming entrepreneurs. Ray resides in Ponte Vedra, FL with his wife Sue and has four adult children. In his spare time, he enjoys spending time with his family at Lake George NY, motorcycle touring, hiking, the NY Giants and making furniture.
Tristan focuses on financial planning and investment management for the high net worth and ultra high net worth clients of the team. Prior to joining UBS in 2011, he was a Financial Advisor and Business Development Associate with J.P. Morgan Securities. From 2005 to 2010, Tristan obtained operational and client relations experience serving in a variety of roles at Smith Barney. Tristan earned a bachelor’s degree in economics and business from Lafayette College in 2005, and in July 2012, he attained his CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. Tristan, his wife and three children live in Westchester County, NY, where they proudly support the Westchester SPCA, Inc.
Dan advises individuals, corporations and nonprofit organizations on the vast array of retirement plans and strategies. He provides insight into a client’s entire balance sheet, including their investment approach, liability management and wealth structuring solutions such as life and long-term care insurance. Dan is a graduate of Rutgers University with a B.S. in marketing. He began his career in the financial services industry in 2002 and joined UBS in 2012 after spending the prior six years at Merrill Lynch. Dan has acquired both the Chartered Retirement Planning CounselorSM (CRPC®) and the Charted Retirement Plans SpecialistSM (CRPS®) designations. He lives in Chester, NJ with his wife and two children. He proudly supports several charitable organizations including Family Promise of Morris County and is a board member of Beyond the Walls.
Bringing a career of more than 30 years as a financial advisor to the exclusive Private Wealth Management division of UBS, Angie offers extensive capital markets experience, deep investment knowledge and an astute perceptiveness about people and their needs. Since her days with Smith Barney/Citigroup, she has helped clients manage their complex wealth through periods of high and low growth and volatility. Today, she continues to share her lifelong passion for investing in the markets, welcoming the opportunity to educate curious clients about how they can participate to pursue their most important goals.
“I truly care for and am motivated by my clients. My main goal is to serve them as they entrust me with their financial future.”
Angie strives to communicate clearly to her clients, and clarify for them why portfolios are positioned as they are with respect to the economy, asset allocation and individual securities. In essence, Angie aims to make the investing conversation less intimidating and more insightful. She listens carefully to help her "tune in" to her clients, their families and their goals. The best interests of her clients are her number one priority.
Past experience
Credentials
Education
Life
Lloyd advises high net worth clients, such as executives and entrepreneurs. He uses his experience and knowledge to provide the team’s clients with a clear road map to their wealth goals. He utilizes a wide range of investment strategies focused on income generation. He graduated from Rutgers University with a B.A. in chemistry and an M.B.A. in finance. Lloyd began his financial services career in 1972. He joined Merrill Lynch in 1974 and spent 38 years there before joining UBS in 2012. Lloyd is a Chartered Retirement Planning CounselorSM (CRPC®). He resides in Long Valley, NJ with his wife. Lloyd enjoys travel, deep sea fishing and rooting for the New Jersey Devils hockey team.
Eric has been with UBS since 2012 and primarily focuses on financial planning and investment management for the team. Eric has held various roles that have provided him experience in the operational side as well as in relationship management. Before joining the Certus Financial Group, Eric worked as a Financial Advisor at UBS’s Wealth Management Americas headquarters. Eric graduated Magna Cum Laude from Rowan University with a B.S. in accounting. He holds the Series 7 and 66 securities licenses as well as the CERTIFIED FINANCIAL PLANNERTM (CFP®) and Chartered Retirement Planning CounselorSM (CRPC®) designations. He resides in Morris County, NJ with his wife, daughter, and 2 dogs. He enjoys hiking, kayaking and is active in adult ice hockey and softball leagues.
Tom focuses on investment research and is an integral advisor for the team’s discretionary portfolios. His extensive fixed income expertise is critical to the team’s portfolio management process. Having hands-on experience in the financial markets, Tom takes an active approach to managing assets, utilizing both technical and fundamental analysis. He is a graduate of William & Mary. Tom has been in the financial services industry since 1994 and joined UBS in 2012. Prior to UBS he worked at Merrill Lynch, JP Morgan Securities and Brookfield Investment Management. He resides in NJ with his family.
Steven Williams, Wealth Strategy Associate, joined UBS in 2022. Steven is a member of the Certus Financial Group, responsible for Equity and Fixed Income analysis and trading for the team's Private Wealth clients. Prior to UBS, Steven worked for Neuberger Berman and Goldman Sachs. Steven earned a BA in Economics with a minor in Psychology from Rutgers University and currently holds his Series 7 and Series 66 securities licenses. Steven resides in Chatham, NJ with his wife and daughter.
Julianne began her career in 2014, joining the Short Hills, NJ office of UBS as an intern. She seized an opportunity to take on a bigger role as a Branch Service Associate in the Florham Park, NJ office. Her experience in operational and technological support prepared her for her current role with Newman Wealth Management. Julianne has been in her current role with Angeline Newman (Managing Director - Wealth Management) since mid-2017 and has embraced the role.
Julianne has her series 7, 63, and 65 licenses. She earned a bachelor’s degree in political science from East Stroudsburg University in Pennsylvania. Julianne enjoys snowboarding, hiking, and running races. She is very active and enjoys living a healthy lifestyle.
Debbie focuses on client service and overseeing the team’s operational administration, as well as assisting with marketing and client performance reporting. She is a 30-year veteran of the financial services industry and is committed to delivering an exceptional client service experience. Debbie has developed a unique skill set that ensures her success in problem-solving, earning the trust of clients and fulfilling clients’ administrative needs. She holds the Series 3, 7 and 66 securities licenses, and is a graduate of the University of Vermont. Debbie lives in Montville, NJ with her husband, and has two grown children.
Kelle focuses on client service and provides operational and administrative support to the team's financial advisors. Kelle has over 25 years of experience in the Financial Services Industry. Before joining Certus Financial Group, Kelle spent 20 years at Goldman Capital Management Inc., a NYC based Independent Registered Investment Advisor and Hedge Fund, working directly for the Portfolio Manager/Company President. She currently maintains her series 7 and 63 securities licenses. Kelle is a graduate of St. Bonaventure University and lives in Summit, NJ with her husband and two children.
Eligibility is based on quantitative factors and is not necessarily related to the quality of the investment advice. For more information on third party rating methodologies, please visit ubs.com/us/en/designation-disclosures
Eligibility is based on quantitative factors and is not necessarily related to the quality of the investment advice. For more information on third party rating methodologies, please visit ubs.com/us/en/designation-disclosures
Build. Expand. Exit.
We understand that when it comes to your business, you’re going to be invested at every level. So, wherever you
are in your company’s development—we can help you build, expand
and prepare for future liquidity events. Because each stage of the business life cycle requires intelligent planning, we create a long-term financial plan for pursuing growth, innovation and transition—so you
can focus on the other priorities in your life. To help inform our recommendations, we’ll coordinate with our network of both third-party and UBS for their expertise in mergers and acquisitions; private equity and debt financing; risk management; estate and tax planning strategies.
Navigate your benefits, awards, cash flow, portfolio and taxes.
We believe providing your key executives with financial planning services can deliver significant benefits to your company. These may include increased impact and value from your reward programs, enhanced focus from your senior leadership team on running your business, and the potential to drive employee satisfaction and retention of your most important talent. For senior executives, compensation and benefits, investments, insurance, estate planning and taxes are highly interconnected. That’s why our personalized financial planning service focuses on delivering education to help them make the most informed choices.
Pursue what matters, at every stage of life.
Our wealth management process begins with deep discovery conversations that will fully identify your priorities, concerns and values. No matter where you are in your life, we can help guide you through each important stage of planning for the goals that matter to you—both short-term and long-term.
We can help you bring your vision to life.
Our 150-year heritage of managing the wealth of generations of the world’s visionaries—creative thinkers, driven doers, legacy builders—is a testament to our passion for what we do.
$3.9 trillion
In invested assets globally
As of 12/31/2022
51 countries
Our global footprint
Global leader
UBS is a world-leading wealth manager
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