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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.

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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.

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    Timothy Reath

    Senior Vice President–Wealth Management

    Financial Advisor

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    • CO
    • CT
    • DC
    • DE
    • FL
    • IN
    • LA
    • MA
    • MD
    • ME
    • MT
    • NC
    • NJ
    • NV
    • NY
    • PA
    • SC
    • SD
    • TN
    • TX
    • VA
    • WV

    As a financial advisor to affluent individuals and families, Tim Reath is driven by a singular personal experience and a commitment to ensuring that his client are never faced with a similar situation.  Tim was 18 when his father passed away unexpectedly.  The sadness and loss that one typically feels with the death of a close family member, however, were largely overshadowed by the stress and angst he and his mother faced due to the fact that his father did not properly organize his affairs.  His mother didn’t know who held the mortgage, who handled the car insurance or even who the family accountant was.  Tim’s father had no transition plan-no insurance, no will, no estate plan-to help provide for his family.

    Accordingly, Tim centers his work with clients around three core concepts: Organizing, Allocating and Transitioning.  Through in-depth financial planning, Tim helps his clients organize their resources and identify their current needs and future goals.  By leveraging the vast resources of the worlds largest wealth management firm, Tim and his team are able to appropriately allocate clients assets and liabilities to help them meet their objectives.  Finally, Tim works closely with his clients to ensure that their wishes and their families futures are protected through carefully planned transition of wealth.

    Prior to joining Morgan Stanley in 2002, and later UBS in 2009, Tim spent eight years in the maritime industry.  As a trusted advisor to commercial ship charterers and owners, Tim gained a global view of economics and business.  He applies the critical decision making skills, focus on efficiency and unwavering worth ethic he gained over the years as a Port Manager to his wealth management practice today.

    He currently lives in Annapolis, MD with his wife and 3 children.  When Tim is not helping his clients, he enjoys spending time with his family, boating, kite boarding, skiing, mountain biking, golfing, ice hockey and playing pickle ball.

      • Washington College, B.A. Political Science
        3 Park Place
        Suite 300
        Annapolis, MD 21401
        timothy.reath@ubs.com
        Timothy Reath
        3 Park Place,Annapolis,MD,21401
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        Mark Fulton

        First Vice President–Wealth Management

        Financial Advisor

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        • AZ
        • CO
        • CT
        • DC
        • DE
        • FL
        • IN
        • MA
        • MD
        • ME
        • NC
        • NH
        • NJ
        • NV
        • NY
        • PA
        • SC
        • TN
        • TX
        • VA
        • WA
        • WV

        Mark has over 25 years of experience providing holistic, wealth management services to high net worth individuals and their families.  He started his career as a founding member of Provident Investments in 1995.  In 2010, he brought his clients to UBS, after 10 years of cultivating relationships at Bank of America and Wachovia Securities. 

        Mark currently lives in Severna Park with his wife Laurie, where they raised their two sons.

          • University of Maryland, Economics: 1987
          • University of Baltimore, M.B.A. with a concentration in Securities Analysis and Capital Markets
            3 Park Place
            Suite 300
            Annapolis, MD 21401
            mark.fulton@ubs.com
            Mark Fulton
            3 Park Place,Annapolis,MD,21401
          • melissa

            Melissa Caprice CRPC

            Team Administrator

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            • AZ
            • CA
            • CO
            • DC
            • DE
            • FL
            • GA
            • IL
            • LA
            • MD
            • ME
            • MN
            • NC
            • NJ
            • NV
            • NY
            • OH
            • PA
            • SC
            • TN
            • TX
            • VA
            • WA
            • WV

            Melissa joined UBS in 2022 after previous experience at independent RIA firms. She holds the Series 7 and Series 66 securities licenses as well as the Chartered Retirement Planning Counselor (CRPC®) designation.  She has a keen interest in financial planning and behavioral finance. Melissa is originally from Vancouver, Canada and now lives in Annapolis with her husband and children.

                  3 Park Place
                  Suite 300
                  Annapolis, MD 21401
                  melissa.caprice@ubs.com
                  Melissa Caprice CRPC
                  3 Park Place,Annapolis,MD,21401
                • carey

                  Carey White

                  Client Associate

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                  • AZ
                  • CA
                  • CO
                  • CT
                  • DC
                  • DE
                  • FL
                  • GA
                  • HI
                  • IL
                  • IN
                  • KY
                  • LA
                  • MA
                  • MD
                  • ME
                  • MI
                  • NC
                  • NJ
                  • NM
                  • NV
                  • NY
                  • OH
                  • OR
                  • PA
                  • RI
                  • SC
                  • TN
                  • TX
                  • UT
                  • VA
                  • WA
                  • WV

                  Carey joined UBS in 2014 and then later decided to leave the business and become a stay-at-home parent for her 2 small children. Fast forward 8.5 years and she’s happily back to work at UBS sitting in the Annapolis office working with The Chesapeake Group.  Prior to that, Carey worked for Morgan Stanley in DC right after college as a Client Service Associate. After obtaining her Series 7, 66, 9, 10 and 31 licenses she moved to the Annapolis Morgan Stanley office, as the CSA to the Producing Branch Manager for seven years. 

                        3 Park Place
                        Suite 300
                        Annapolis, MD 21401
                        carey.white@ubs.com
                        Carey White
                        3 Park Place,Annapolis,MD,21401

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                      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.

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                      ElectionWatch 2024

                      24 questions for the '24 US election

                      Election day is fast approaching and the outcome could impact your portfolio. Connect with us for election insights and investment strategies that may be right for you.

                      The latest ElectionWatch report from our Chief Investment Office answers 24 of investors' frequently asked questions. Covering a range of concerns from taxes and inflation to investment considerations and monetary policy, this report can help inform your decisions regardless of the election's outcome.

                      Download the report

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