Tailored solutions for your complex needs

We recognize and appreciate the creativity, sacrifice, and perseverance required to build substantial family wealth.

We believe every family, looking at the next generation, hopes to impart advantages that are more than just material and financial. Suitable investment advice is fundamental to our relationship. However, we look beyond investment philosophy to the even bigger vision: helping to preserve your family’s wealth, and sustaining your family’s legacy and values for generations to come.

Start the conversation

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.

Carter Crum, CFA, CRPS

Senior Vice President–Wealth Management

Portfolio Manager
View bio Industry recognition
- AK
- AR
- AZ
- CA
- CO
- DC
- DE
- FL
- HI
- IA
- ID
- IL
- LA
- MA
- MD
- MI
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OH
- OK
- OR
- PA
- SD
- TN
- TX
- VA
- VT
- WA
- WY
Carter joined UBS in 2010, and brings to the team more than 17 years of experience advising both Institutional and Individual clients. He launched his career in 1999 in Menlo Park at what was then the largest advisory team at Smith Barney after serving six years as an officer in the U.S. Navy. Prior to joining UBS, he successfully help build and then sold a Private Wealth and Investment Banking firm where he gained unique insights to all aspects of financial markets and structures.

The majority of the team's clients are executives and founders in Silicon Valley, as well as successful multi-generational family businesses. Carter brings his years of Institutional and Private Wealth experience, and Kate's consultative insight, to craft comprehensive and customized investment strategies for each client. Carter believes in thoroughly explaining each element of a recommendation, so that his clients not only know what they own, but why.

Carter obtained a B.A in Economics from the University of Pennsylvania, and also has earned the Chartered Financial Analyst professional designation. He and his wife Kirsten have three children, who have helped them become experts in everything from water polo strategy to local drone regulations. Carter also sits on the Board of Trustees of the Los Gatos Art Museum, and has Chaired the Alumni Interview Program for Penn in Silicon Valley for more than 7 years.

California Insurance License #0C81743 UBS Financial Services, Inc.

Ca Insurance Agency Inc. License UBS#0512985
- Forbes Best-in-State Wealth Management Teams, 2024, 2025, 2026The 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.
- University of Pennsylvania, B.A. Economics
- Portfolio Manager
- Chartered Financial Analyst
- Chartered Retirement Plans Specialist
750 University Ave.
Suite 250
Los Gatos, CA 95032

carter.crum@ubs.com,kate.rathe@ubs.com

Carter Crum, CFA, CRPS

750 University Ave.,Los Gatos,CA,95032
Katherine Seidel

Senior Vice President–Wealth Management

Endowment & Foundation Consultant
View bio Industry recognition
- AK
- AZ
- CA
- CO
- DC
- FL
- HI
- IA
- ID
- IL
- LA
- MA
- MD
- MI
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OK
- OR
- SD
- TN
- TX
- VA
- VT
- WA
- WV
- WY
Kate joined UBS in 2016 bringing more than nine years of Financial Planning and Wealth Advisory specialist experience with her to the team. With a thoughtful and consultative approach, Kate offers highly personalized service to clients who are primarily executives and entrepreneurs. She dives deeply into a client's dreams and aspirations to discover what they want their wealth to do for them, the causes that inspire them and the people who matter most in their lives. Kate has helped her business owners devise effective tax and succession planning strategies ranging from innovative buy-sell agreements, GRATs and Grantor Trusts, to engineering levered ESOPs in order to maximize selling price while minimizing taxation.

Kate is also one of a select group of UBS Advisors who has earned the Endowment & Foundation Consultant Designation. With this distinction Kate is able to formally provide fiduciary advice to large not for profit organizations. This includes Investment Policy planning assistance, asset allocation studies and analysis, manager searches, and portfolio evaluation and review.

Kate earned a B.A. in Business Economics from the University of California, Santa Cruz. She and her husband Shaun are avid boaters and enjoy spending time with family on the Santa Cruz beaches near their home. She volunteers with numerous local community organizations, including the American Cancer Society, Catholic Charities, and is a member of the Junior League of Palo Alto Mid Peninsula.
- Forbes Best-in-State Wealth Management Teams, 2025, 2026The 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.
- Forbes Top Next-Gen (Generation) Wealth Advisors Best-in-State, 2019, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in August based on information from a 12 month period ending in March of the award year.
- Forbes Top Women Wealth Advisors Best-in-State, 2022, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in February based on information from a 12 month period ending September of the prior year.
- University of California, Santa Cruz, B.A. Business Economics
- Endowment & Foundation Consultant
- Institutional Consultant, UBS Institutional Consulting Program
750 University Ave.
Suite 250
Los Gatos, CA 95032

kate.rathe@ubs.com

Katherine Seidel

750 University Ave.,Los Gatos,CA,95032
Diana Espinel

Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- FL
- IA
- ID
- IL
- LA
- MA
- MD
- MI
- MO
- MT
- NC
- NJ
- NV
- NY
- OH
- OK
- OR
- TN
- TX
- VA
- VT
- WA
- WY
Diana serves as a Financial Advisor with UBS in Los Gatos, CA, where she works with women leaders, founders, and multigenerational families to design financial plans that are both aspiration-driven and practical. Her planning integrates goals, cash-flow, and risk management with an emphasis on clarity - what to do now, what to track next, and how to adjust as life evolves.

Diana is known for guiding clients through complex life events with steadiness and discretion: equity vesting and liquidity, career breaks and returns, caregiving responsibilities, divorce or widowhood, and philanthropy that reflets personal purpose. She brings a collaborative mindset to family office relationships - helping align investment policy, liquidity planning, and governance so principals, partners, and rising generations share the same playbook.

With more than a decade in banking and finance, Diana began her career in 2011 with Truist Bank building a foundation in client service and credit strategy before serving as Executive Account Manager at JPMorgan Chase, where she managed complex relationships and coordinated lending and cash-management solutions for high-value clients. Diana holds a B.A. in Business Economics from the University of California, Santa Cruz, and an MBA with a concentration in Finance from Ashford University.
- Forbes Best-in-State Wealth Management Teams, 2024, 2025, 2026The 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.
750 University Ave.
Suite 250
Los Gatos, CA 95032

diana.espinel@ubs.com

Diana Espinel

750 University Ave.,Los Gatos,CA,95032
Kimberly Uehlinger

Client Associate
View bio
7250 Dallas Parkway
Suite 1200
Plano, TX 75024

kimberly.uehlinger@ubs.com

Kimberly Uehlinger

7250 Dallas Parkway,Plano,TX,75024
Jarod Landro

Client Associate
View bio
750 University Ave.
Suite 250
Los Gatos, CA 95032

jarod.landro@ubs.com

Jarod Landro

750 University Ave.,Los Gatos,CA,95032
Sean Sheikowitz

Registered Client Associate
View bio
- AK
- AL
- AZ
- CA
- CO
- DC
- DE
- FL
- HI
- IA
- ID
- IL
- LA
- MA
- MD
- MI
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OK
- OR
- SD
- TN
- TX
- VA
- WA
- WV
- WY
1285 Avenue Of The Americas
New York, NY 10019

sean.sheikowitz@ubs.com

Sean Sheikowitz

1285 Avenue Of The Americas,New York,NY,10019

Carter Crum, CFA, CRPS

Senior Vice President–Wealth Management

Portfolio Manager
View bio Industry recognition
- AK
- AR
- AZ
- CA
- CO
- DC
- DE
- FL
- HI
- IA
- ID
- IL
- LA
- MA
- MD
- MI
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OH
- OK
- OR
- PA
- SD
- TN
- TX
- VA
- VT
- WA
- WY
Carter joined UBS in 2010, and brings to the team more than 17 years of experience advising both Institutional and Individual clients. He launched his career in 1999 in Menlo Park at what was then the largest advisory team at Smith Barney after serving six years as an officer in the U.S. Navy. Prior to joining UBS, he successfully help build and then sold a Private Wealth and Investment Banking firm where he gained unique insights to all aspects of financial markets and structures.

The majority of the team's clients are executives and founders in Silicon Valley, as well as successful multi-generational family businesses. Carter brings his years of Institutional and Private Wealth experience, and Kate's consultative insight, to craft comprehensive and customized investment strategies for each client. Carter believes in thoroughly explaining each element of a recommendation, so that his clients not only know what they own, but why.

Carter obtained a B.A in Economics from the University of Pennsylvania, and also has earned the Chartered Financial Analyst professional designation. He and his wife Kirsten have three children, who have helped them become experts in everything from water polo strategy to local drone regulations. Carter also sits on the Board of Trustees of the Los Gatos Art Museum, and has Chaired the Alumni Interview Program for Penn in Silicon Valley for more than 7 years.

California Insurance License #0C81743 UBS Financial Services, Inc.

Ca Insurance Agency Inc. License UBS#0512985
- Forbes Best-in-State Wealth Management Teams, 2024, 2025, 2026The 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.
- University of Pennsylvania, B.A. Economics
- Portfolio Manager
- Chartered Financial Analyst
- Chartered Retirement Plans Specialist
750 University Ave.
Suite 250
Los Gatos, CA 95032

carter.crum@ubs.com,kate.rathe@ubs.com

Carter Crum, CFA, CRPS

750 University Ave.,Los Gatos,CA,95032
Katherine Seidel

Senior Vice President–Wealth Management

Endowment & Foundation Consultant
View bio Industry recognition
- AK
- AZ
- CA
- CO
- DC
- FL
- HI
- IA
- ID
- IL
- LA
- MA
- MD
- MI
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OK
- OR
- SD
- TN
- TX
- VA
- VT
- WA
- WV
- WY
Kate joined UBS in 2016 bringing more than nine years of Financial Planning and Wealth Advisory specialist experience with her to the team. With a thoughtful and consultative approach, Kate offers highly personalized service to clients who are primarily executives and entrepreneurs. She dives deeply into a client's dreams and aspirations to discover what they want their wealth to do for them, the causes that inspire them and the people who matter most in their lives. Kate has helped her business owners devise effective tax and succession planning strategies ranging from innovative buy-sell agreements, GRATs and Grantor Trusts, to engineering levered ESOPs in order to maximize selling price while minimizing taxation.

Kate is also one of a select group of UBS Advisors who has earned the Endowment & Foundation Consultant Designation. With this distinction Kate is able to formally provide fiduciary advice to large not for profit organizations. This includes Investment Policy planning assistance, asset allocation studies and analysis, manager searches, and portfolio evaluation and review.

Kate earned a B.A. in Business Economics from the University of California, Santa Cruz. She and her husband Shaun are avid boaters and enjoy spending time with family on the Santa Cruz beaches near their home. She volunteers with numerous local community organizations, including the American Cancer Society, Catholic Charities, and is a member of the Junior League of Palo Alto Mid Peninsula.
- Forbes Best-in-State Wealth Management Teams, 2025, 2026The 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.
- Forbes Top Next-Gen (Generation) Wealth Advisors Best-in-State, 2019, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in August based on information from a 12 month period ending in March of the award year.
- Forbes Top Women Wealth Advisors Best-in-State, 2022, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in February based on information from a 12 month period ending September of the prior year.
- University of California, Santa Cruz, B.A. Business Economics
- Endowment & Foundation Consultant
- Institutional Consultant, UBS Institutional Consulting Program
750 University Ave.
Suite 250
Los Gatos, CA 95032

kate.rathe@ubs.com

Katherine Seidel

750 University Ave.,Los Gatos,CA,95032
Diana Espinel

Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- FL
- IA
- ID
- IL
- LA
- MA
- MD
- MI
- MO
- MT
- NC
- NJ
- NV
- NY
- OH
- OK
- OR
- TN
- TX
- VA
- VT
- WA
- WY
Diana serves as a Financial Advisor with UBS in Los Gatos, CA, where she works with women leaders, founders, and multigenerational families to design financial plans that are both aspiration-driven and practical. Her planning integrates goals, cash-flow, and risk management with an emphasis on clarity - what to do now, what to track next, and how to adjust as life evolves.

Diana is known for guiding clients through complex life events with steadiness and discretion: equity vesting and liquidity, career breaks and returns, caregiving responsibilities, divorce or widowhood, and philanthropy that reflets personal purpose. She brings a collaborative mindset to family office relationships - helping align investment policy, liquidity planning, and governance so principals, partners, and rising generations share the same playbook.

With more than a decade in banking and finance, Diana began her career in 2011 with Truist Bank building a foundation in client service and credit strategy before serving as Executive Account Manager at JPMorgan Chase, where she managed complex relationships and coordinated lending and cash-management solutions for high-value clients. Diana holds a B.A. in Business Economics from the University of California, Santa Cruz, and an MBA with a concentration in Finance from Ashford University.
- Forbes Best-in-State Wealth Management Teams, 2024, 2025, 2026The 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.
750 University Ave.
Suite 250
Los Gatos, CA 95032

diana.espinel@ubs.com

Diana Espinel

750 University Ave.,Los Gatos,CA,95032
Kimberly Uehlinger

Client Associate
View bio
7250 Dallas Parkway
Suite 1200
Plano, TX 75024

kimberly.uehlinger@ubs.com

Kimberly Uehlinger

7250 Dallas Parkway,Plano,TX,75024
Jarod Landro

Client Associate
View bio
750 University Ave.
Suite 250
Los Gatos, CA 95032

jarod.landro@ubs.com

Jarod Landro

750 University Ave.,Los Gatos,CA,95032
Sean Sheikowitz

Registered Client Associate
View bio
- AK
- AL
- AZ
- CA
- CO
- DC
- DE
- FL
- HI
- IA
- ID
- IL
- LA
- MA
- MD
- MI
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OK
- OR
- SD
- TN
- TX
- VA
- WA
- WV
- WY
1285 Avenue Of The Americas
New York, NY 10019

sean.sheikowitz@ubs.com

Sean Sheikowitz

1285 Avenue Of The Americas,New York,NY,10019

Access

A specific focus on the needs of entrepreneurs and business owners

Our team will work closely together with you to create a comprehensive plan that includes your business transition goals and post-liquidity investment strategies. We help make sure you are positioned to accomplish everything that’s important to you, your family and your business.

Preparing for a strategic exit
Personal planning for start-up founders
Contemplating a liquidity event

Whether building or selling a business or transferring wealth, our experience and network helps us provide relevant planning strategies to entrepreneurs and business executives.

Impact of stock options (ISOs, NQSOs), RSUs, Founders Stock and QSBS
Pre-IPO planning
M & A planning
Benefit and compensation plans
Income and estate tax planning strategies
Concentrated stock management and diversification

_{Neither UBS Financial Services Inc. nor any of its employees provide tax or legal advice. You should consult with your personal tax or legal advisor regarding your personal circumstances.}

Planning

Understanding the needs of each generation

When we build a comprehensive financial plan, we start by listening and learning about you and your family. No matter what phase of life you are in or the complexity of your financial needs, we offer a flexible and disciplined process for building your plan.

Retirement and lifetime income planning

With a specialty in retirement income planning, our team can work with you to help protect your lifestyle and livelihood in retirement.

Liability management

We will work with you to find solutions to both sides of your balance sheet so you can get credit you can count on, whether you need securities-backed lending, a mortgage or a competitive credit card.

Insurance consulting and review

We view insurance as a tool to help protect your family’s assets, replace income, and create a legacy for future generations and philanthropic beneficiaries.

_{Credit and lending services are provided by banking affiliates of UBS Financial Services Inc., and are subject to credit approval.}

_{Insurance products are issued by unaffiliated third-party insurance companies and made available through insurance agency subsidiaries of UBS Financial Services Inc. Guarantees are based on the claims paying ability of the issuing insurance company.}

Legacy

Helping to protect your family’s future

Our team helps you navigate the intersection of family, business, finance and legacy by building planning strategies that serve current generations and yet flexible enough to meet the needs of future generations.

Trust and estate planning strategies

Your family’s financial security may depend not only on how you manage your wealth today, but also how you protect and preserve it for the future. Estate planning and personal trusts can help ensure ongoing management of your assets in the event of your death or disability, minimize or eliminate estate and transfer taxes, and protect your assets across generations.

A family governance framework

A clearly articulated, efficient family governance framework helps to focus investment decision making, as well as family legacy and business leadership succession.

A key focus on philanthropy

We’ll work with you and family members on a holistic philanthropic plan and participation process for the next generation. Our advice addresses tax-efficient investment strategies, your current charitable goals and contributions and access to local organizations.

_{Neither UBS Financial Services Inc. nor any of its employees provide tax or legal advice. You should consult with your personal tax or legal advisor regarding your personal circumstances.}

Investing

Customized strategies focused on your priorities

With direct access to the global resources of UBS, we can help you plan for market uncertainty with timely perspectives, customized investment management and a fully integrated suite of financial solutions. We will work with you to provide tax-advantaged programs and appropriate investment strategies tailored to your needs.

Customized portfolio management

As active portfolio managers or by working with select money managers, our team builds custom portfolios from a broad array of investments that help match your objectives and risk preferences. Ongoing monitoring and review of your portfolio helps us track your investments and quickly adapt to changes in the markets or in your life.

Understanding risk

Through our comprehensive due diligence and planning process, we gain a deep understanding of your financial picture so we help balance your tolerance for risk with your family’s goals, growth and income needs. This allows us to craft an asset allocation that supports your financial plan and seeks to limit risk and lower volatility.

Open access. We are product agnostic

We provide advice on and access to an open platform of premium financial solutions both within and outside of UBS. This open architecture, along with a disciplined planning process, ensures my team develops customized strategies specific to your unique situation that are based on highly focused research.

Service

Communication on a deeper level

We bring together the boutique services of a dedicated team with the global resources of one of the world’s largest wealth management firms. Our team’s high-touch service helps to simplify your financial life by connecting you to the guidance and resources you need.

Proactive services

Our entire team is highly accessible, offering consistent communication, personal touch points and ongoing reviews. Proactive and attentive, we have built long-lasting relationship by offering robust service that anticipates your needs.

Support across your family

Families with significant wealth demand a flexible, customizable service platform. For those families who have accumulated considerable wealth and require an institutional approach to their complex needs, we offer a cost-effective alternative to starting your own family office. We also offer highly customized services to complement your existing infrastructure.

Bringing together the best resources

We are trusted by our clients to work directly with their accountants and estate attorneys. By working closely with your other advisors, as well as our network of UBS and outside financial experts, we can incorporate all perspectives into one integrated approach.

A new era of wealth is underway

And this is your time to define success on your terms.

Money isn’t just changing hands, it’s changing meaning. This is your new era of wealth, with real opportunities to pursue your ambitions based on your values.

When it comes to building your legacy, we don’t prescribe a single path. We seek to understand yours. Because the best wealth strategy starts with you.

A leader in wealth management

Backed by the strength of our parent company, UBS AG

^$7 trn

UBS Group invested assets
As of 12/31/2025

51 countries

Our global footprint

Global leader

UBS is a leading and truly global wealth manager

Tailored solutions for your complex needs

Pursuing your goals together

Carter Crum, CFA, CRPS

Katherine Seidel

Diana Espinel

Kimberly Uehlinger

Jarod Landro

Sean Sheikowitz