Experience. Advice. Collaboration

• AL
• AZ
• CA
• CO
• CT
• DC
• DE
• FL
• GA
• HI
• IL
• IN
• LA
• MA
• MD
• ME
• MI
• MN
• MO
• MS
• MT
• NC
• NH
• NJ
• NY
• OH
• OK
• OR
• PA
• SC
• TN
• TX
• UT
• VA
• WA
• WI
• 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 with his wife, Dr. Jill Jertson, and has two daughters, Marisa and Alexandra. 

Forbes Best-In-State Wealth Advisors, 2019, 2020, 2021, 2022, 2023, 2024, 2025

The Forbes rating is awarded annual in January or February and is based on information from June of the prior year to June of the award year.

The ratings are based on quantitative factors and is not necessarily related to the quality of the investment advice.

For more information on third party rating methodologies, please visit www.ubs.com/us/en/designation-disclosures

• Forbes Best-in-State Wealth Advisors, 2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026The 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.
• 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.
• UBS Wealth Management President’s Council, 2024, 2025, 2026UBS Financial Services Inc. Councils are a distinction held by UBS Financial Advisors based on criteria including evaluation of compliance with firm rules, standards & policies and revenue. Council membership is not representative of any one client's experience and is not indicative of the advisor’s future performance.

• 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

• AL
• AZ
• CA
• CO
• CT
• DC
• DE
• FL
• GA
• ID
• IL
• IN
• LA
• MA
• MD
• ME
• MI
• MN
• MO
• MT
• NC
• NH
• NJ
• NY
• OH
• OK
• OR
• PA
• SC
• TN
• TX
• UT
• VA
• VT
• WA
• WI
• WV

A veteran of the financial services industry, Daniel Ramer started his career in 1992. He has broad experience in financial planning and analysis, retirement planning, and fixed income markets. He began his career with Ryan Beck in 1992 as a municipal bond specialist. By the time his firm had been acquired by Stifel Financial Corporation in 2007, Dan had gained valuable experience in value dividend equities, municipal and corporate bonds, annuities, long term care and life insurance. He moved his practice to UBS in 2013.

With a commitment to thorough analysis and a prudent approach to investing, Dan has made retirement income the cornerstone of his practice. By collaborating with clients and their other professional advisors, he helps generate and manage income in retirement and helps reduce the tax impact on his clients’ estates. He has earned the Series 7, 24, 63 and 65 securities licenses and is life and health insurance-licensed in the states of New Jersey, New York, Florida, Pennsylvania, Maryland and Massachusetts.

Dan earned a B.A. in economics from Brandeis University. Dan has three children, Talia, Avi and Oren and is active within his synagogue, and is currently serving as the treasurer for Jewish Family Service of Central New Jersey. A lifelong Yankees and Giants fan, Dan also enjoys tennis, skiing, biking and reading anything related to the economy and the stock market.

• Forbes Best-in-State Wealth Advisors, 2024, 2025, 2026The 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.
• UBS Wealth Management Director’s Council, 2025UBS Financial Services Inc. Councils are a distinction held by UBS Financial Advisors based on criteria including evaluation of compliance with firm rules, standards & policies and revenue. Council membership is not representative of any one client's experience and is not indicative of the advisor’s future performance.

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

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).

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

• 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.

• Ithaca College, B.S.
• Springfield College, Master's Degree

• Senior Retirement Plan Consultant
• CERTIFIED FINANCIAL PLANNER

• AL
• AZ
• CA
• CO
• CT
• DC
• DE
• FL
• GA
• HI
• IL
• IN
• MA
• MD
• ME
• MO
• MS
• NC
• NH
• NJ
• NY
• OH
• OK
• OR
• PA
• PR
• SC
• TN
• TX
• UT
• VA
• 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 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).

• Forbes Best-in-State Wealth Management Teams, 2025The 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.

• Bradley University, B.S. in History

• Chartered Retirement Planning Counselor

• CA
• MD
• NC
• NJ
• NY
• SC
• VA

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℠ using his knowledge to assist clients with retirement planning.  

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

• Senior Wealth Strategy Associate
• Chartered Retirement Planning Counselor

• AL
• CA
• CO
• CT
• DC
• FL
• GA
• IL
• MA
• MD
• MI
• MN
• NC
• NJ
• NY
• OH
• PA
• SC
• TN
• TX
• VA
• WI

John is thrilled to join the Cornerstone Group, a team of highly accomplished financial advisors. Born in Connecticut but raised in Uruguay, Brazil, and Florida, John’s diverse background and global perspective inform his approach to financial planning. He is a proud Davidson College alumnus and is fluent in Portuguese and Spanish. John comes from a decade of experience in consulting and technology. He currently holds a series 7 and series 66 license.

John is married to Casey, a dedicated neonatal nurse-practitioner, and they are the proud parents of a one-year-old son, Miles. When not advising clients, John is a non-profit board member, an avid reader, and endurance athlete, having completed a full Ironman triathlon, a 100-kilometer trail race, and numerous marathons.

• CA
• FL
• NC
• NJ
• NY
• PA
• SC
• VA
• WI

Heather joined The Cornerstone Group at UBS in 2018 and has been in the financial services industry since 2014. She currently holds the Series 7, 63, and 65 securities licenses, as well as life and long-term care insurance licenses, and is a NC Notary Public. Heather manages all aspects of the teams operations including initial data gathering, onboarding all new clients and associated document preparation, asset transfers, and making sure the transition to UBS is seamless. She also works directly with clients handling all of their administrative needs such as online enrollment and e-delivery, money transfers, and appointment scheduling. Heather enjoys building one-on-one relationships with clients and strives to provide them with the best customer experience possible. Clients have stated that they can always count on a cheerful voice on the other end of the phone when speaking to Heather.

When not at work, Heather enjoys spending time at the beach or lake with her son Asher (2017). She also enjoys traveling, baking, and photography.

• Team Administrator

• CA
• FL
• NJ
• NY
• SC

A vital member of Dan Ramer's team, Jennifer Lucariello came on board in June of 2006 and was instrumental in helping transition his business to UBS in 2013.

Jen focuses on client service, which includes daily account monitoring and cash management needs. Along with her daily duties, Jen also assists clients with settling estates, establishing & maintaining 529 plans, and retirement plans. Providing the best service to clients is of the utmost importance to Jen. She currently holds the Series 7 and Series 63 licenses.

She resides in Basking Ridge with her husband Joe and their children Joseph, Isabella and Christopher.