A plan for today, tomorrow and generations to come

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.

Charles B. Lynch, Jr.

Managing Director–Wealth Management

Chuck advises high net worth families, business owners, athletes and nonprofit organizations on investment matters. He joined UBS from Bernstein Private Wealth Management in December 2023, and previously held senior roles at S.S. White, a global manufacturing firm, and at Surgical Laser Technologies, a medical device firm.

Chuck holds a BA and an MBA from Clemson University, where he played football. He also played in the NFL for two seasons and is a member of the NFL Alumni and NFL Players Association. He is fluent in Spanish and basic Mandarin Chinese.

 

Education

  • B.A. & M.B.A., Clemson University

Our advice is comprehensive. We help diverse clients in a broad range of areas, including:

Financial planning
Business Owners
Professional athletes
Philanthropy
Family Offices
Lending services
Exit planning
Estate planning strategies
1735 Market St
35th Floor
Philadelphia, PA 19103
  • (215) 496-2092

Email Me

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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    Frank Ruggiano

    Associate Director

    Senior Wealth Strategy Associate

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    • AR
    • AZ
    • CA
    • CO
    • CT
    • DC
    • DE
    • FL
    • GA
    • IL
    • MA
    • MD
    • MI
    • NC
    • NH
    • NJ
    • NY
    • OH
    • OR
    • PA
    • SC
    • SD
    • TX
    • VA
    • VT
    • WA

    Frank is an Associate Director with UBS Private Wealth Management in the Philadelphia office. He began his career with SEI Investments as an Analyst and prior to joining UBS, was an Associate with JP Morgan’s Private Bank, and most recently a Senior Associate with Bernstein Private Wealth Management. 

    Frank’s focus is on portfolio management, investment research, relationship management, and new business development. Frank graduated with a B.S. Finance from the West Chester University of Pennsylvania and holds his Series 7, 63, and 66 securities licenses.

    In his free time, he is an avid golfer and enjoys exploring and trying new restaurants in Philadelphia.

      • West Chester University , B.S. Finance
        1735 Market Street
        Mellon Bank Center
        Philadelphia, PA 19103
        frank.ruggiano@ubs.com
        Frank Ruggiano
        1735 Market Street,Philadelphia,PA,19103
      • Julie Fox

        Managing Director

        Market Executive

        Julie is the Market Executive in our Private Wealth Management business. She is responsible for running the Wealth Management and Private Wealth Management businesses in Philadelphia, Washington D.C. and surrounding areas, as well as the Private Wealth Management business across the Mid Atlantic Market.

        Previously, she served as National Sales Manager and led our sales effort for both the Field Sales team and the sales organization. She was responsible for the sales strategy and direction of all field-facing resources both internally and externally to ensure consistency across our sales efforts in how we deliver products and solutions to Financial Advisors and clients.

        A 20-year veteran of UBS, Julie was instrumental in launching the UBS Global Family Office Group, a unique offering in the industry serving the needs of UHNW clients and their Advisors. Julie spent five years in the field in key branch roles including the Metro Regional Sales Manager. She also has seven years of experience in our Capital Markets group leading an array of teams and businesses. Additionally, Julie served as the management liaison between the FA Advisory Council and home office, and is a former co-chair for the firm's Diversity Network (All Bar None) in the Americas.

        Julie led the efforts to start a 100 Women in Finance location in Philadelphia where she is the Co-chair. She also sits on the board of the Philadelphia Holocaust Remembrance Foundation. She was selected to be one of the Makers@ Community Class of 2020 on behalf of UBS. Julie is also a member of the Philadelphia chapter of CEOs Against Cancer.

        Julie played collegiate Division I tennis at Lehigh University. She holds her executive M.B.A. from Fordham University. Julie, her husband Stephen, and sons Mason and Logan live in Villanova, Pennsylvania.

      • Christopher McCullough

        Executive Director

        Wealth Planning Strategist

        Chris is a Wealth Planning Strategist in our Mid Atlantic markets. In this capacity, Chris is responsible for providing Financial Advisors and their high net worth clients with unbiased, product neutral, advanced planning strategies, design and implementation. As an advanced financial planner, he provides expertise in the following areas:

        - Estate and multi-generational planning
        - Retirement income and cash flow analysis
        - Business continuity and succession planning
        - Retirement plans and employee benefits
        - Risk and liability management planning
        - Charitable giving strategies
        - Executive compensation and benefit strategies
        - Special Needs & Disability Planning

        Utilizing the wealth planning framework, Chris aims to deliver the full breadth of UBS services to aid clients in achieving their wealth planning goals.

        Past experience
        Prior to joining UBS in 2022, Chris served as a Senior Trust Officer with the Goldman Sachs Trust Companies. In this capacity, Chris worked closely with high net worth families to plan and implement generational wealth transfer strategies.

        Education and credentials
        Chris holds a B.A in History from Gettysburg College and a J.D. and LL.M., Taxation, from Villanova University School of Law.

        Life
        Chris is an active member of the Philadelphia Estate Planning Counsel. He lives in Philadelphia with his wife and son.
      • Sheree

        Sheree Woods, CFP®

        NMLS #947868

        Senior Wealth Management Banker, UBS Bank USA

        Current role and areas of expertise

        Sheree joined UBS Bank USA in 2016 and she is currently a Senior Wealth Management Banker covering the Atlanta Market, Atlanta PWM, Charlotte PWM, Philadelphia PWM, Southern Virginia and the Carolinas offices.

        Leveraging her extensive background in relationship banking, Sheree is focused on providing Financial Advisors and their clients with a variety of banking and lending options, where suitable, to complement their overall wealth management objectives. By presenting both asset and liability management strategies, Sheree is able to highlight all that UBS Bank USA has to offer and ensure awareness of opportunities on both sides of the balance sheet.

        Professional history

        Sheree began her career in financial services in 1994. Prior to joining UBS, Sheree spent five years as a Private Banker at Morgan Stanley. Sheree has held positions as a Commercial Lender for BB&T and Wachovia. She also served as a Market Executive for Coastal Banking Company.

        Education and personal information

        In Sheree role as a Senior Wealth Management Banker her NMLS# 797777. She holds her the Series 7 and Series 66 securities licenses, CFP®. Sheree also holds a B.A. in Finance from Georgia Southern University.

        Outside the office, Sheree stays active through gardening, tennis and boating. She also enjoys cooking, entertaining and gathering with friends and spending time with her two adult stepsons, Levi and Addison and daughters-in-law, Laura and Kylie. 

        Sheree resides in Sandy Springs, Georgia with her husband Kendall, a 2x IRONMAN and 11x 70.3 IRONMAN, and has fun crewing for his IRONMAN events.

        Senior Wealth Management Bankers are employees of UBS Bank USA. UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS No. 947868. Equal Housing Lender.

         

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        Judy Spalthoff

        Head of Family and Philanthropy Advisory

      • Scott Nevin

        Director

        WMA Salesperson

        Scott is currently the Alternative Investment Consultant supporting the Philadelphia / Washington D.C/Charlotte, Mid-Atlantic, Atlanta, Florida, and South Central Markets. Prior to joining UBS, Scott held a number of senior positions in Alternative Investments: Director of Business Development and Product Management at Alpha Capital, Principal at HSN Financial Services, and Managing Director at Fairfield Heathcliff Capital. Earlier in his career, Scott was an Associate in fixed income sales at Citigroup, and an Analyst at Morgan Stanley.
      • Brian Formento

        Executive Director

        Philanthropy Advisory Group/Family Office Solutions Group

        Brian Formento is an Executive Director and Head of Client Solutions and Investment Strategy in Family Office Solutions (FOS). Brian works with Advisors to deliver customized advice to clients of substantial financial wealth and coordinates cross-divisional coverage to ensure UHNW clients and family offices are properly covered by a team comprising relevant FOS specialists.

        He also remains a member of the Portfolio Advisory Group specializing in asset allocation and portfolio construction advice for the family office segment, defining risk-based strategies and developing customized investment ideas for the largest clients at UBS. Brian previously was a key member of the Private Wealth Management Alternatives Advisory Board and Private Wealth Management Family Office Strategy Team.

        Prior to UBS, Brian was a Managing Director and senior investment strategist for OTC derivatives and alternatives at Deutsche Bank. He also held senior positions at several private investment advisory firms and was head of proprietary fixed income trading North America and desk head of the primary dealer at Paribas Capital Markets, now BNP Paribas.


        Brian graduated magna cum laude and with distinction, receiving a B.A. and M.A. in Economics from Boston University. He is a past chair and member of the Economic Department's Board of Advisors for the college and graduate school. Brian, a Chartered Alternative Investment Analyst (CAIA) is a member of the Structured Products Association (SPA) and the Professional Risk Managers' International Association (PRIMA). More recently, Brian has been an industry contributor to curriculum development for the CFA program and has completed Wharton's Private Wealth Executive Education Program and Columbia University’s Earth Institute Investment Academy on Sustainability. He is a trustee for Historic Morven in Princeton, New Jersey. He currently holds the following registrations: 7,24,3,63,66,55, and Life and Health Insurance.

      A focus on personalized access and service

      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.

      Advice for business owners

      Multigenerational families

      Stadium seats

      Athletes and entertainers, let’s talk legacy

      retirement couple

      Retirement planning

      Family offices

      Why does A.I. in space matter?

      Global Wealth Report 2024

      Crafted wealth intelligence

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      A leader in wealth management

      Backed by the strength of our parent company, UBS AG

      $5.8+ trn

      UBS Group invested assets
      As of 03/31/2024

      51 countries

      Our global footprint

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      UBS is a leading and truly global wealth manager

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