Your life. Your wealth. Your future.

Pursue what matters most

With the complexity of today's markets and uncertainty about tomorrow's economy, good financial advice is more important than ever. As a team of dedicated Financial Advisors, we're committed to helping you organize your finances around your short term needs, your longer-term goals and what you envision for generations to come. Our knowledgeable perspective, good judgement and broad experience can help you meet your challenges and seize opportunities.

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.

Todd Nichols, CPWA

Managing Director–Wealth Management

Private Wealth Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- KY
- LA
- MA
- MD
- ME
- MI
- MS
- NC
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- RI
- SC
- TN
- TX
- VA
- WA
- WV
Todd Nichols is a Managing Director and Private Wealth Advisor at UBS with a distinguished career advising high net worth individuals, families, and entrepreneurs. As team lead for Envision Capital Wealth Management, he partners with individuals and families to help simplify complex financial decisions through personalized wealth management strategies. He provides guidance on investment management, retirement planning, wealth preservation, tax-efficient investing, estate and legacy planning, and philanthropic giving, coordinating with clients’ legal and tax advisors to help them pursue their long-term financial goals with confidence

Todd believes that understanding family dynamics is essential to delivering exceptional wealth management solutions. His approach emphasizes thoughtful retirement planning to help clients maintain financial independence and pursue what matters most. This forward-looking perspective underpins the strategies employed by the Envision Capital team.

Todd earned the Certified Private Wealth Advisor® (CPWA®) designation from the Investments & Wealth Institute, completing advanced education focused on wealth management for high-net-worth clients, including tax strategies, estate planning, portfolio management, and legacy planning. He holds a Bachelor of Science in Mathematics from the United States Naval Academy, with an emphasis in Operations Analysis and Economics. He previously served as a Naval Supply Corps Officer and splits his time between Washington, DC and Palm Beach, Florida.

CA Insurance License 0H43720
- Forbes Best-in-State Wealth Advisors, 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, 2023, 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.
- United States Naval Academy, B.S. in Mathematics
- Rollins College, Certificate in Financial Planning
- Private Wealth Advisor
Estate planning strategies

Legacy planning

Alternative investments

Lending services

Securities-backed lending

Multi-generational families

Business owners

Entrepreneurs

1700 M Street NW
5th Floor
Washington, DC 20036

todd.nichols@ubs.com,megan.kondos@ubs.com

Todd Nichols, CPWA

1700 M Street NW,Washington,DC,20036
Jarrett Brant

Financial Advisor
View bio
- AK
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- PR
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VI
- VT
- WA
- WI
- WV
- WY
Jarrett is a Financial Advisor who works with high net worth individuals, families, and business owners to help them make informed and strategic decisions about their wealth. He focuses on bringing clarity to complex financial situations, supporting clients in building, preserving, and transitioning wealth across generations.

Jarrett specializes in developing customized investment strategies and comprehensive wealth plans aligned with each client’s long-term objectives. His work includes guiding clients through multi-generational planning, preparing business owners for liquidity events, and constructing disciplined, research-driven portfolios designed to manage risk while pursuing growth. He also incorporates tax-efficient strategies and charitable planning when appropriate to support both near-term goals and long-term legacy objectives.

Jarrett earned a Bachelor of Science in Quantitative Economics from the United States Naval Academy. He served as an Infantry Officer in the United States Marine Corps for over seven years, achieving the rank of Captain before transitioning to wealth management. His military experience informs his disciplined, client-focused approach.

He is actively involved in his community and enjoys spending time with his wife, Lauren, and their children, John and Ann Marie. He is a member of Army Navy Country Club and enjoys golfing, staying active, and cooking with his family.
- United States Naval Academy, B.S. Quantitative Econmics: 2010 - 2014
1700 M Street NW
5th Floor
Washington, D.C., DC 20036

jarrett.brant@ubs.com

Jarrett Brant

1700 M Street NW,Washington, D.C.,DC,20036
Chad Lemko

Senior Wealth Strategy Associate
View bio
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- KY
- LA
- MA
- MD
- MI
- MS
- MT
- NC
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- SC
- TN
- TX
- VA
- WA
- WV
Chad Lemko has over 20 years of experience in the financial services industry helping advisors harness new industry technology for growth and efficiency. As a Senior Wealth Strategy Associate, he focuses on helping Envision Capitol to enhance our operations, build client proposals and financial planning reports, and analyze research for the team’s investment solutions.

Chad received a Bachelors of Arts in Economics from the University of Maryland at College Park. He currently resides in Arlington, VA with his wife, Kelly, and they enjoy traveling.
- University of Maryland, B.A. in Economics
1700 M Street NW
5th Floor
Washington, D.C., DC 20036

chad.lemko@ubs.com

Chad Lemko

1700 M Street NW,Washington, D.C.,DC,20036
Carey White

Team Administrator
View bio
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- KY
- LA
- MA
- MD
- ME
- MI
- MS
- MT
- NC
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- RI
- SC
- TN
- TX
- VA
- WA
- WV
As a Registered Client Service Associate, Carey will works with our team in providing exceptional wealth management services to our clients and their families. Carey has over 14 years of experience in the financial services industry. Carey started her career with Morgan Stanley in DC in 2001 as a Client Service Associate. After obtaining her Series 7, 66, 9, 10 and 31 licenses, she moved to the Annapolis Morgan Stanley office, as the CSA to the Producing Branch Manager for seven years. In 2014, she joined UBS and continues to work out of our Annapolis branch.

In addition to her many securities licenses, she also holds a B.S. in Kinesiology from the University of Maryland (2000) and spent a year as a student trainer for the UMD football team during her senior year of college. She currently lives in Howard County, MD with her family.
3 Park Place
Suite 300
Annapolis, MD 21401

carey.white@ubs.com

Carey White

3 Park Place,Annapolis,MD,21401

Todd Nichols, CPWA

Managing Director–Wealth Management

Private Wealth Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- KY
- LA
- MA
- MD
- ME
- MI
- MS
- NC
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- RI
- SC
- TN
- TX
- VA
- WA
- WV
Todd Nichols is a Managing Director and Private Wealth Advisor at UBS with a distinguished career advising high net worth individuals, families, and entrepreneurs. As team lead for Envision Capital Wealth Management, he partners with individuals and families to help simplify complex financial decisions through personalized wealth management strategies. He provides guidance on investment management, retirement planning, wealth preservation, tax-efficient investing, estate and legacy planning, and philanthropic giving, coordinating with clients’ legal and tax advisors to help them pursue their long-term financial goals with confidence

Todd believes that understanding family dynamics is essential to delivering exceptional wealth management solutions. His approach emphasizes thoughtful retirement planning to help clients maintain financial independence and pursue what matters most. This forward-looking perspective underpins the strategies employed by the Envision Capital team.

Todd earned the Certified Private Wealth Advisor® (CPWA®) designation from the Investments & Wealth Institute, completing advanced education focused on wealth management for high-net-worth clients, including tax strategies, estate planning, portfolio management, and legacy planning. He holds a Bachelor of Science in Mathematics from the United States Naval Academy, with an emphasis in Operations Analysis and Economics. He previously served as a Naval Supply Corps Officer and splits his time between Washington, DC and Palm Beach, Florida.

CA Insurance License 0H43720
- Forbes Best-in-State Wealth Advisors, 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, 2023, 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.
- United States Naval Academy, B.S. in Mathematics
- Rollins College, Certificate in Financial Planning
- Private Wealth Advisor
Estate planning strategies

Legacy planning

Alternative investments

Lending services

Securities-backed lending

Multi-generational families

Business owners

Entrepreneurs

1700 M Street NW
5th Floor
Washington, DC 20036

todd.nichols@ubs.com,megan.kondos@ubs.com

Todd Nichols, CPWA

1700 M Street NW,Washington,DC,20036
Jarrett Brant

Financial Advisor
View bio
- AK
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- PR
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VI
- VT
- WA
- WI
- WV
- WY
Jarrett is a Financial Advisor who works with high net worth individuals, families, and business owners to help them make informed and strategic decisions about their wealth. He focuses on bringing clarity to complex financial situations, supporting clients in building, preserving, and transitioning wealth across generations.

Jarrett specializes in developing customized investment strategies and comprehensive wealth plans aligned with each client’s long-term objectives. His work includes guiding clients through multi-generational planning, preparing business owners for liquidity events, and constructing disciplined, research-driven portfolios designed to manage risk while pursuing growth. He also incorporates tax-efficient strategies and charitable planning when appropriate to support both near-term goals and long-term legacy objectives.

Jarrett earned a Bachelor of Science in Quantitative Economics from the United States Naval Academy. He served as an Infantry Officer in the United States Marine Corps for over seven years, achieving the rank of Captain before transitioning to wealth management. His military experience informs his disciplined, client-focused approach.

He is actively involved in his community and enjoys spending time with his wife, Lauren, and their children, John and Ann Marie. He is a member of Army Navy Country Club and enjoys golfing, staying active, and cooking with his family.
- United States Naval Academy, B.S. Quantitative Econmics: 2010 - 2014
1700 M Street NW
5th Floor
Washington, D.C., DC 20036

jarrett.brant@ubs.com

Jarrett Brant

1700 M Street NW,Washington, D.C.,DC,20036
Chad Lemko

Senior Wealth Strategy Associate
View bio
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- KY
- LA
- MA
- MD
- MI
- MS
- MT
- NC
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- SC
- TN
- TX
- VA
- WA
- WV
Chad Lemko has over 20 years of experience in the financial services industry helping advisors harness new industry technology for growth and efficiency. As a Senior Wealth Strategy Associate, he focuses on helping Envision Capitol to enhance our operations, build client proposals and financial planning reports, and analyze research for the team’s investment solutions.

Chad received a Bachelors of Arts in Economics from the University of Maryland at College Park. He currently resides in Arlington, VA with his wife, Kelly, and they enjoy traveling.
- University of Maryland, B.A. in Economics
1700 M Street NW
5th Floor
Washington, D.C., DC 20036

chad.lemko@ubs.com

Chad Lemko

1700 M Street NW,Washington, D.C.,DC,20036
Carey White

Team Administrator
View bio
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- KY
- LA
- MA
- MD
- ME
- MI
- MS
- MT
- NC
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- RI
- SC
- TN
- TX
- VA
- WA
- WV
As a Registered Client Service Associate, Carey will works with our team in providing exceptional wealth management services to our clients and their families. Carey has over 14 years of experience in the financial services industry. Carey started her career with Morgan Stanley in DC in 2001 as a Client Service Associate. After obtaining her Series 7, 66, 9, 10 and 31 licenses, she moved to the Annapolis Morgan Stanley office, as the CSA to the Producing Branch Manager for seven years. In 2014, she joined UBS and continues to work out of our Annapolis branch.

In addition to her many securities licenses, she also holds a B.S. in Kinesiology from the University of Maryland (2000) and spent a year as a student trainer for the UMD football team during her senior year of college. She currently lives in Howard County, MD with her family.
3 Park Place
Suite 300
Annapolis, MD 21401

carey.white@ubs.com

Carey White

3 Park Place,Annapolis,MD,21401

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.

A leading global wealth manager

House View Monthly

Turn possibilities into a plan

What’s really important to you—today and for the long term? UBS Wealth Way starts with questions and discussions that can help you organize your financial life into three key dimensions: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own.

^{UBS Wealth Way is an approach incorporating Liquidity. Longevity. Legacy. strategies that UBS Financial Services Inc. and our Financial Advisors can use 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. Time frames may vary. Strategies are subject to individual client goals, objectives and suitability.}

UBS Wealth Way

Wealth from your point of view

An approach that works for your entire financial life
Our framework is designed to help you turn your possibilities into a plan. It starts with questions and a conversation to uncover everything that's important to you—beyond your money and wealth. Then, we organize your financial life in a way that gives you confidence you’ll have what you need—when you need it.

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

Global leader

UBS is a leading and truly global wealth manager

for High Net-Worth clients

Euromoney Private Banking and Wealth Management Survey (peer review), 2015-2022

Your life. Your wealth. Your future.

Pursuing your goals together

Todd Nichols, CPWA

Jarrett Brant

Chad Lemko

Carey White