Experience

Carl has been serving our clients’ financial needs since 1987. His team joined UBS Financial Services, Inc. in 2009 with their focus on helping clients manage their serious money. He graduated Alma College and completed the Senior Account Executive Training at the Wharton School of the University of Pennsylvania.

Carl has always been competitive, conscientious and drawn to long-term relationships. He decided early he wanted to work with clients as they dreamed and saved for their retirements and transitioned out of the workforce. He has been able to guide his clients through many of life’s highs and lows, providing a consistent, trusted voice as they enjoy their golden years.

Outside of work, Carl spends his time with wife and teammate, Mindy, and their quirky dog, Bentley. They have raised six “grown and flown” children, many who have married extraordinary partners. Engaging with their church and favorite charities, working out, and conversations around a fire are ways Carl relaxes. The pursuit of relaxation is always a work in progress.

Mario is a Chartered Retirement Plan Specialist, whose goal is to assist sponsors in meeting the criteria established under ERISA through world class retirement plan capabilities.

Fiduciary liability is a primary concern for many plan sponsors. As part of Mario's service contract he signs on as a 3(21) co-fiduciary. Throughout his career, Mario has fulfilled the need for solid advice and cost efficient designs for 401(k), 403(b), 401(a), cash balance and deferred compensation plans. He has a high level of specialized knowledge in this complicated benefit space.

As one of a select group of financial advisors qualified to participate in the DC Advisory program at UBS, Mario helps business owners design the retirement plan suited for their company and employee’s needs. Monitoring investments, carrying out day-to-day administrative tasks, providing plan participant support and education can be very challenging to a company’s human resource department. Program provider search, investment and employee education consulting are the three primary needs Mario can fulfill with a flexible menu of services with fees that are simple to understand and fully disclosed in advance.

Mario enjoys unique hobbies and raising three beautiful and talented daughters, with his wife, Silvia.

James has been in the financial services industry for close to a decade, joining UBS Financial Services, Inc. in April 2023. He received his Bachelor of Commerce (Honors) from Queen’s Smith School of Business in Kingston, Ontario CA.

Prior to joining UBS, he was a Banker at J.P. Morgan’s Private Bank for six years, advising families with complex balance sheets and financial needs arising from substantial assets. He began his career at Morgan Stanley as a Wealth Advisor Associate specializing in building and implementing financial plans.

James is drawn to our team’s desire to provide excellent advice and service for our clients over their lifetime. He wants to partner with our clients, helping to articulate what they are trying to achieve with their wealth, empowering them to make informed and appropriate choices across the full range of investment possibilities offered by UBS. His solid experience, youth, positivity and humility provides added strength to our team.

He is recently married to his amazing wife, Annie, and loves their Golden Retriever, Copper. He enjoys playing in several hockey leagues as well as “attempting” to improve upon his golf game.

Mindy graduated from Western Michigan University with a degree in psychology and found a unique niche on our team. For the last 30 years, her job responsibilities have widely varied but mainly have been to help Carl and the team, however needed, freeing them to do what they do best.

Mindy is fortunate to work in the financial field which has taught her to competently make investment decisions. Her goal is to help clients also learn and feel secure participating in the management of their financial health. Mindy is most interested in what our clients do with their wealth to create opportunities and bring enjoyment to their lives, families, and communities.

Mindy loves creating time and space for family, friends and neighbors to gather, connect, and relax. The dog, Bentley and her “therapy” garden occupy most of her time now that their kids are on their own. Yet she finds she is still very busy being a counter balance for Carl inside and outside of work.

Heather has worked in financial services since 1993. She graduated from Michigan State University and has been with UBS Financial Services since 2007.

Heather takes pride in her ability to navigate clients through challenging situations, building trust as she helps them consolidate and understand their different accounts and investments. She is fully licensed and registered, highly organized, accountable and a joy to be around.

Outside of UBS, Heather spends time with her family. She is married to Chris who is a great partner helping raise two young men, Sean and Marcus, a budding video artist and natural football star. We are certain she never has time to relax as the boys' interests and school activities keep both Heather and Chris on their toes.