Experience. Advice. Collaboration.

Planning for your family’s entire financial needs

Great Barrier Reef

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.

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.

  • Timothy Rauwald

    Timothy Rauwald, CPWA, CRPS

    Senior Vice President–Wealth Management

    Certified Private Wealth Advisor

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    • AK
    • AL
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    • CA
    • CO
    • CT
    • DC
    • DE
    • FL
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    • HI
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    • NC
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    • SC
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    • UT
    • VA
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    • VT
    • WA
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    • WV

    Tim is a founding member of The Cornerstone Group at UBS Financial Services, Inc. Tim is originally from Green Bay, Wisconsin, (yes, he is an avid Packer fan). Tim graduated from the Stephen M. Ross School of Business at the University of Michigan with a BBA in Accounting & Finance.

    Tim served his country as a member of the United States Army. He was a member of the XVIII Airborne Corps. He earned an Army ROTC Scholarship and became a commissioned officer. His business career began with Cooper’s & Lybrand (now Price Waterhouse Coopers) as a Certified Public Accountant (CPA). He began his career in financial services with The Robinson Humphrey Company (now Morgan Stanley) and built The Cornerstone Group to provide advisory services to pension plans and private wealth management to families.

    Tim is a Certified Private Wealth Advisor CPWA® and Chartered Retirement Plan Specialist (CRPS®). He also earned the Accredited Investment Fiduciary (AIF®) designation through the Center for Fiduciary Studies.

    As a recognized industry leader, he's frequently asked to speak at various events, providing his unique perspective on how individuals can create a fulfilling roadmap for their financial future.

    Tim has devoted his time and efforts in charitable organizations in the area including Busy Street Children’s Museum, Farmer FoodShare, Habitat for Humanity, and the Food Bank of North Carolina.

    He lives in Durham, NC and has two daughters, Marisa and Alexandra.

    • Forbes Best-in-State Wealth Advisors, 2019, 2020, 2021, 2022The Forbes rating is compiled by Shook Research and awarded annually in April based on information from a 12 month period ending June of the prior year.

    • Stephen M. Ross School of Business at the University of Michigan, Bachelor of Business Administration in Accounting
    • Certified Private Wealth Advisor
    • Chartered Retirement Plans Specialist℠
    • Senior Portfolio Manager
    • Senior Retirement Plan Consultant
    317 W. Barbee Chapel Road
    Chapel Hill, NC 27517
  • Mark Harbaugh Sr.

    Mark Harbaugh, Sr.

    Senior Vice President–Wealth Management

    Financial Advisor

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    • AK
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    • AZ
    • CA
    • CO
    • CT
    • DC
    • DE
    • FL
    • GA
    • IL
    • IN
    • MA
    • MD
    • ME
    • MO
    • MS
    • NC
    • NH
    • NJ
    • NM
    • NV
    • NY
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    Mark Harbaugh Sr. began his career in 1980 as a financial advisor. Over the past 40 years he has helped clients manage their wealth and plan for retirement. He joined UBS in 1996 after 16 years at Smith Barney. Throughout his career, Mark has focused his business on understanding his clients' needs and goals while providing the best client experience possible. With over 25 years of experience at UBS, he has a strong understanding of the firm and how to bring its resources to clients.

          109 North Avenue
          2nd Floor
          Westfield, NJ 07090
        • Mark Harbaugh Jr.

          Mark D. Harbaugh, Jr.

          Senior Vice President–Wealth Management

          Financial Advisor

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          • AK
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          • AZ
          • CA
          • CO
          • CT
          • DC
          • DE
          • FL
          • GA
          • HI
          • IL
          • IN
          • MA
          • MD
          • ME
          • MN
          • MO
          • MS
          • NC
          • NH
          • NJ
          • NV
          • NY
          • OH
          • OK
          • OR
          • PA
          • PR
          • SC
          • TN
          • TX
          • UT
          • VA
          • VT
          • WA
          • WI

          Mark joined UBS as a Financial Advisor in September 2014. Mark is FINRA registered and holds Series 3, 7, 9, 10 and 66 securities licenses as well as licenses for life insurance, health insurance, and variable annuities. Mark earned his bachelor's degree in Finance from Wake Forest University. In 2022, Mark was named to the ranked Next-Gen Wealth Advisor. 

          • Forbes America’s Top Next-Gen (Generation) Wealth Advisors Best-in-State, 2022The Forbes rating is compiled by Shook Research and awarded annually between June and September based on information from a 12 month period ending in March of the award year.

              Home Worker NC
              Home Worker NC, NC 000
            • Jennifer Hoselton Profile Photo

              Jennifer Hoselton, CFP

              First Vice President–Wealth Management

              Senior Retirement Plan Consultant

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              • AK
              • AL
              • AZ
              • CA
              • CO
              • CT
              • DC
              • DE
              • FL
              • GA
              • HI
              • IL
              • IN
              • LA
              • MA
              • MD
              • ME
              • MI
              • MO
              • MS
              • NC
              • NH
              • NJ
              • NY
              • OH
              • OK
              • OR
              • PA
              • PR
              • SC
              • TN
              • TX
              • UT
              • VA
              • VI
              • VT
              • WA
              • WI

              Jenn joined UBS in 2009, having started her career at Smith Barney in 2000.  A native New Yorker, Jenn earned her Bachelor of Science degree from Ithaca College and her Master's from Springfield College. She received her Executive Certificate in Certified Financial Planning through the course of study at Duke University, passing the comprehensive exam and obtaining her CERTIFIED FINANCIAL PLANNER™ designation. Jenn holds Series 7, 63, and 65 securities licenses, life insurance, variable annuity, and long-term care insurance licenses. When not helping her clients with their financial plans, Jenn enjoys spending time with her sons who’ve followed in her wake as budding athletes. Jenn has always enjoyed water sports and competitive sports, particularly baseball, from her beginnings on the t-ball field to her playing days on the Ithaca College Softball team. Jenn also volunteers actively across her community, having served two terms as a member of the board of The Volunteer Center of Durham, and three years on the board of directors of The YMCA of the Triangle. She is married and has two boys, Levi (2008) and Ace (2010).

                • Ithaca College, B.S.
                • Springfield College, Master's Degree
                • Senior Retirement Plan Consultant
                • CERTIFIED FINANCIAL PLANNER™
                317 W. Barbee Chapel Road
                Chapel Hill, NC 27517
              • Stephen Reed

                Stephen Reed, CRPC

                Vice President–Wealth Management

                Chartered Retirement Planning Counselor℠

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                • GA
                • HI
                • IL
                • IN
                • MA
                • MD
                • ME
                • MO
                • MS
                • NC
                • NH
                • NJ
                • NY
                • OH
                • OK
                • OR
                • PA
                • PR
                • SC
                • TN
                • TX
                • UT
                • VA
                • VI
                • VT
                • WA
                • WI

                Steve joined The Cornerstone Group at UBS in 2015, bringing 14 years of experience to the team. He began his financial services career in 2001 as a licensed banker with First Union, and through corporate mergers, became a Financial Advisor with Wachovia Securities, later Wells Fargo Advisors, in 2008. Steve received his Chartered Retirement Planning Counselor℠ (CRPC®) designation in 2009, exhibiting his abilities and expertise in all facets of financial well being.

                A native of Canton, IL., Steve received his B.S. in History from Bradley University. During his studies at Bradley, he also spent a semester abroad at Stockholm University in Stockholm Sweden. Steve and his wife, Shelby, moved to Durham in late 2000 when Shelby accepted a position in the School of Medicine at Duke University, a position which she still holds. Steve and Shelby are the parents of Olivia (2002) and Nicklaus (2005).

                  • Bradley University, B.S. in History
                  • Chartered Retirement Planning Counselor℠
                  317 W. Barbee Chapel Road
                  Chapel Hill, NC 27517
                • Bret Paterson Profile Photo

                  Bret Paterson, CRPC

                  Account Vice President

                  Chartered Retirement Planning Counselor℠

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                  • CA
                  • MD
                  • NC
                  • NJ
                  • NY

                  Bret joined The Cornerstone Group at UBS in 2020 with over 10 years experience working at UBS Financial Services, Inc. in multiple capacities. He is based in Wilmington, NC where he has previously partnered with The Cornerstone Group for most of the last decade in the defined contribution space. Bret is also a Chartered Retirement Planning Counselor℠ and uses his knowledge to demonstrate the retirement planning expertise our clients deserve. 

                  Before joining UBS, Bret graduated from NC State with a BS in Biology and spent time in the pharmaceutical sector. In 2006 he moved to NYC to eventually manage the then highest producing Marc Jacobs retail store in the world. Bret and his wife Dr. Yulia Paterson D.D.S. moved back to Wilmington in 2011 where he started his career with UBS and a family. Bret has three children, Zalen, Nesta, and Misha. When not at the office, he plays violin and spends time outdoors with his family and dogs going boating, fishing, travelling and all types of boarding.

                    • NC State, B.S. Biology
                    • Chartered Retirement Planning Counselor℠
                    317 W. Barbee Chapel Road
                    Chapel Hill, NC 27517

                  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.

                  A team approach

                  family

                  Building long-lasting relationships with individuals and families

                  portfolio

                  Wealth planning for every stage of life

                  Multigenerational planning

                  meeting

                  Plan sponsors

                  A way forward

                  Understanding your life, your wealth and what you want to accomplish.

                  We ask the questions and find the answers that can help you explore and pursue your financial goals in the short term, long term or whatever your terms may be.

                  Let's talk about how we can help you plan for the life you want

                  Our approach incorporates Liquidity. Longevity. Legacy. strategies to assist clients in exploring and pursuing their wealth management needs and goals over different time frames. 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.

                  Backed by the strength of UBS

                  A global leader in wealth management

                  $2.8 trillion

                  In invested assets globally 
                  As of 06/30/2022

                  51 countries

                  Our global footprint

                  Global leader

                  UBS is a world-leading wealth manager