Family. Wealth. For generations

A planning-based approach with an emphasis on risk management

Our team is dedicated to making a meaningful impact on your personal and professional life. That means understanding your priorities. Whether your focus is on maintaining your lifestyle, preparing your family to be responsible stewards of wealth or preserving your values and legacy, we’re committed to each generation of your family.

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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.

Rick Berardo

Senior Vice President–Wealth Management

Senior Portfolio Manager
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- VA
- VT
- WA
- WI
- WV
Rick was born in Jersey City, NJ and relocated to Orlando, FL in 1978. After graduating from the University of Central Florida in 1983 as a Political Science major with a pre-law emphasis, he worked at UPS until 1989. Immediately after UPS, Rick started his career as a Financial Advisor with Paine Webber.

Rick’s primary focus is portfolio construction, financial planning, asset management and multi-generational wealth preservation and transfer strategies.

Rick and his wife Maureen have two children. Vincenza completed her PhD in 2022 and relocated to Lowell, MA and his son Richard who joined the UBS team upon graduating with his degree in Business Information Management.

Rick and Maureen are very active with dog rescue organizations and enjoy spending time with

Rick holds FINRA Series 7 and 63 & 65 securities licenses and is a licensed California insurance agent (CA License #:0C56669).
- Forbes America’s Top Wealth Management Teams, 2022The Forbes rating is compiled by Shook Research and awarded annually in November based on information from a 12 month period ending in March of the award 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.
- Senior Portfolio Manager
201 North New York Ave
Winter Park, FL 32789
Pranjal "P.J." Mehta

Senior Vice President–Wealth Management

Senior Portfolio Manager
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- VA
- VT
- WA
- WI
- WV
Immediately after completing his MBA in Finance in 1997 from the University of Central Florida, PJ started his career as a Financial Advisor. Since joining UBS in 2008, PJ’s primary focus is working with clients on their asset management, multi-generational wealth preservation, transfer strategies, and philanthropic objectives.

PJ was born and raised in Mumbai, India. He earned his bachelor’s in accounting at the University of Bombay. While studying, he worked at his family’s practice of Chartered Accountants overseeing the internal audit department.

PJ and his wife Tracey live in Oviedo, Florida. Outside of the office, they enjoy their weekends spending time with their three adult children and their dog Teddy.

Pranjal holds FINRA Series 7 and 63 & 65 securities licenses and is a licensed California insurance agent (CA License #:0C57246).
- Forbes America’s Top Wealth Management Teams, 2022The Forbes rating is compiled by Shook Research and awarded annually in November based on information from a 12 month period ending in March of the award 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.
- Senior Portfolio Manager
201 North New York Ave
Winter Park, FL 32789
Maritza Gines

Client Associate Senior
View bio
Maritza was born in Brooklyn, NY and raised in Puerto Rico. She began her career at UBS in 1990 at the Puerto Rico branch and subsequently transferred to the Orlando, Florida branch in 1997.

Maritza’s primary focus is assisting new clients with on-boarding and existing clients with their administrative requests. Maritza strives to provide and maintain the highest level of client service and satisfaction, a key component of our service model.

Maritza has two children, Genesi and Geraldo, and 3 grandchildren. Maritza likes to travel, enjoys’ singing, dancing, and spending time with her family.
201 North New York Ave
Winter Park, FL 32789
Winnona "Wendy" Grabe

Client Associate Senior
View bio
- AL
- CA
- CO
- DC
- FL
- GA
- KY
- MA
- MD
- MI
- MN
- NC
- NJ
- NM
- NY
- OH
- PA
- SC
- TN
- VA
Wendy began her career in the Financial Services industry in Orlando, FL at PaineWebber in 1991. With over 31 years of experience, Wendy’s focus is providing our clients with superior service. In addition to the Series 7 and 63, Wendy holds the Life and Long-Term Care insurance 2-15 license.

Wendy lives in Winter Park, FL with her husband. She enjoys boating, RVing, and spending time with family and friends.
201 North New York Ave
Winter Park, FL 32789
Richard Berardo

Client Associate
View bio
201 North New York Ave
Winter Park, FL 32789

Rick Berardo

Senior Vice President–Wealth Management

Senior Portfolio Manager
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- VA
- VT
- WA
- WI
- WV
Rick was born in Jersey City, NJ and relocated to Orlando, FL in 1978. After graduating from the University of Central Florida in 1983 as a Political Science major with a pre-law emphasis, he worked at UPS until 1989. Immediately after UPS, Rick started his career as a Financial Advisor with Paine Webber.

Rick’s primary focus is portfolio construction, financial planning, asset management and multi-generational wealth preservation and transfer strategies.

Rick and his wife Maureen have two children. Vincenza completed her PhD in 2022 and relocated to Lowell, MA and his son Richard who joined the UBS team upon graduating with his degree in Business Information Management.

Rick and Maureen are very active with dog rescue organizations and enjoy spending time with

Rick holds FINRA Series 7 and 63 & 65 securities licenses and is a licensed California insurance agent (CA License #:0C56669).
- Forbes America’s Top Wealth Management Teams, 2022The Forbes rating is compiled by Shook Research and awarded annually in November based on information from a 12 month period ending in March of the award 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.
- Senior Portfolio Manager
201 North New York Ave
Winter Park, FL 32789
Pranjal "P.J." Mehta

Senior Vice President–Wealth Management

Senior Portfolio Manager
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- VA
- VT
- WA
- WI
- WV
Immediately after completing his MBA in Finance in 1997 from the University of Central Florida, PJ started his career as a Financial Advisor. Since joining UBS in 2008, PJ’s primary focus is working with clients on their asset management, multi-generational wealth preservation, transfer strategies, and philanthropic objectives.

PJ was born and raised in Mumbai, India. He earned his bachelor’s in accounting at the University of Bombay. While studying, he worked at his family’s practice of Chartered Accountants overseeing the internal audit department.

PJ and his wife Tracey live in Oviedo, Florida. Outside of the office, they enjoy their weekends spending time with their three adult children and their dog Teddy.

Pranjal holds FINRA Series 7 and 63 & 65 securities licenses and is a licensed California insurance agent (CA License #:0C57246).
- Forbes America’s Top Wealth Management Teams, 2022The Forbes rating is compiled by Shook Research and awarded annually in November based on information from a 12 month period ending in March of the award 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.
- Senior Portfolio Manager
201 North New York Ave
Winter Park, FL 32789
Maritza Gines

Client Associate Senior
View bio
Maritza was born in Brooklyn, NY and raised in Puerto Rico. She began her career at UBS in 1990 at the Puerto Rico branch and subsequently transferred to the Orlando, Florida branch in 1997.

Maritza’s primary focus is assisting new clients with on-boarding and existing clients with their administrative requests. Maritza strives to provide and maintain the highest level of client service and satisfaction, a key component of our service model.

Maritza has two children, Genesi and Geraldo, and 3 grandchildren. Maritza likes to travel, enjoys’ singing, dancing, and spending time with her family.
201 North New York Ave
Winter Park, FL 32789
Winnona "Wendy" Grabe

Client Associate Senior
View bio
- AL
- CA
- CO
- DC
- FL
- GA
- KY
- MA
- MD
- MI
- MN
- NC
- NJ
- NM
- NY
- OH
- PA
- SC
- TN
- VA
Wendy began her career in the Financial Services industry in Orlando, FL at PaineWebber in 1991. With over 31 years of experience, Wendy’s focus is providing our clients with superior service. In addition to the Series 7 and 63, Wendy holds the Life and Long-Term Care insurance 2-15 license.

Wendy lives in Winter Park, FL with her husband. She enjoys boating, RVing, and spending time with family and friends.
201 North New York Ave
Winter Park, FL 32789
Richard Berardo

Client Associate
View bio
201 North New York Ave
Winter Park, FL 32789

Defining your priorities. Pursuing what matters.

Our experience and structured planning process drives a comprehensive financial plan and customized investment strategies. Depending on where you are in your life and the priorities that matter most, our planning conversations may focus on liquidity management, your cash flow needs, asset replacement solutions such as insurance, estate planning strategies, or tax and legal structures such as trusts and philanthropic vehicles.

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Goals-based planning

Wealth, from your point of view

What’s really important to you—today and for the long term? Our approach starts with questions and discussions that can help you organize your financial life into three key dimensions: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own.

_{Time frames may vary. Strategies are subject to individual client goals, objectives and suitability. 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.}

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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As of 12/31/2022

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Family. Wealth. For generations

A planning-based approach with an emphasis on risk management

Pursuing your goals together

Rick Berardo

Pranjal "P.J." Mehta

Maritza Gines

Winnona "Wendy" Grabe

Richard Berardo