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 planning conversation

Todd Nichols, CPWA

Managing Director–Wealth Management

Private Wealth Advisor, CPWA®
View bio Industry recognition
- 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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WV
Todd Nichols has over two decades of experience developing comprehensive financial, estate, and wealth management plans for high net worth individuals and entrepreneurs. Todd earned the Certified Private Wealth Advisor (CPWA®) designation from the Investments & Wealth Institute and a certificate in Financial Planning from Rollins College. He is also a graduate of the United States Naval Academy where he earned a Bachelor of Science degree in Mathematics with an emphasis in Operations Analysis and Economics. While on active duty, Todd served as a Naval Supply Corps Officer. Todd currently splits his time between our offices in Washington, DC and Palm Beach, Florida.

CA Insurance License 0H43720
- Forbes Best-in-State Wealth Advisors, 2025The 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, 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.
- United States Naval Academy, B.S. in Mathematics
- Rollins College, Certificate in Financial Planning
- Private Wealth Advisor, CPWA®
Estate planning strategies

Legacy planning

Alternative investments

Lending services

Securities-backed lending

Multi-generational families

Business owners

Entrepreneurs

1501 K Street North West
Suite 1100
Washington, DC 20005

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

Todd Nichols, CPWA

1501 K Street North West,Washington,DC,20005
Robert Wright

Senior Vice President–Wealth Management

Senior Portfolio Manager
View bio Industry recognition
- 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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WV
Robert Wright has over 30 years of experience providing investment consulting and portfolio management services to high net worth individuals and institutions. He started his career with Wachovia in 1989 and joined UBS in 2009. Rob has completed extensive training and Advanced Planning Techniques which has earned him the UBS Wealth Advisor designation. He has also completed training in portfolio construction and risk management techniques which has earned him a Senior Portfolio Manager Designation. Robert received a Bachelor of Sciences degree in Business and Management from the University of Maryland. He currently resides in Potomac, Maryland with his wife Teres and has three daughters.

CA Insurance License 0H04465
- Forbes Best-in-State Wealth Management Teams, 2023, 2024, 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.
- University of Maryland, B.S. in Business and Management
- Senior Portfolio Manager
- Wealth Advisor
Financial planning

Retirement planning

Custom portfolios

Asset allocation

Alternative investments

Corporate executives

1150 17th Street
Washington, D.C., DC 20036

robert.wright@ubs.com

Robert Wright

1150 17th Street,Washington, D.C.,DC,20036
John A. Aras

Senior Vice President–Wealth Management
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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WV
John has almost 40 years of industry experience providing investment management advice to high-net-worth individuals, families and businesses. During his tenure at Morgan Stanley, John served both institutional fixed income clients and individuals with assets in excess of $20 billion dollars. These services included portfolio management, securitization of mortgage loans and generation of customized agency issued debt investments. Prior to entering the investment advisory business in 1984, John worked as a tax accountant with Arthur Anderson in Cleveland, OH. He holds a B.A. in Accounting and Political Science from Ohio Wesleyan University. He resides in Annapolis, MD with his wife Caroline and enjoys spending time on the Chesapeake Bay.

CA Insurance License 0C95554
1501 K Street North West
Suite 1100
Washington, D.C., DC 20005

john.aras@ubs.com

John A. Aras

1501 K Street North West,Washington, D.C.,DC,20005
Kevin Bruening, CFP

Account Vice President

Financial Advisor
View bio Industry recognition
- 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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WV
Kevin Bruening has over 15 years of experience providing investment consulting and financial planning services. Kevin works closely with Todd and Rob consulting with clients and assisting with the financial planning aspects of the group. Kevin earned his certificate in Financial Planning from Georgetown University and is a graduate of the University of Maryland where he received a Bachelor of Arts degree in Economic History. Kevin resides in Howard County, Maryland with his wife Tracey and daughter Elizabeth.

CA Insurance License 4203090
- Forbes Best-in-State Wealth Management Teams, 2023, 2024, 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.
- University of Maryland, B.A. in Economic History
- CERTIFIED FINANCIAL PLANNER®
Financial planning

Education planning

Retirement planning

Legacy planning

Investing

Asset allocation

1150 17th Street
Washington, D.C., DC 20036

kevin.bruening@ubs.com

Kevin Bruening, CFP

1150 17th Street,Washington, D.C.,DC,20036
Megan Kondos, AAMS

Financial Advisor

Accredited Asset Management Specialist™
View bio Industry recognition
- 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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WV
Megan has over 10 years of experience in the financial services industry building client relationships grounded in individualized service and trust. As a Financial Advisor, she joins Envision Capitol Wealth Management in helping to serve affluent individuals and families—and ensuring that the team is poised to do so for generations to come. While she completes the firm’s rigorous Financial Advisor Development Program, she focuses on the team’s marketing, research and asset allocation process, wealth management reporting, and client education. Megan holds a B.A. in Economics and Political Science from the University of North Carolina at Chapel Hill. She and her husband reside in Garrett Park, Maryland with their son and daughter. In her spare time, Megan enjoys skiing, swimming, and exploring local hiking trails with her family.

CA Insurance License 4199654
- Forbes Best-in-State Wealth Management Teams, 2023, 2024, 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.
- University of North Carolina at Chapel Hill, B.A. in Economics and Political Science
- Accredited Asset Management Specialist™
- Chartered Retirement Planning Counselor
1150 17th Street
Washington, D.C., DC 20036

megan.kondos@ubs.com

Megan Kondos, AAMS

1150 17th Street,Washington, D.C.,DC,20036
Venetta Macaluso

Team Administrator
View bio
- AL
- DC
- FL
- MD
- MS
- MT
- VA
Venetta Macaluso is the lead client service associate on the team and has over 20 years of industry experience. As the Team Administrator, she oversees the team's operations and manages all aspects of our clients' service needs. Venetta received a Bachelor of Arts degree from Canisius College. She resides in Gainesville, Virginia with her husband Emanuel.
Banking

Lending services

Cash management

1150 17th Street
Washington, D.C., DC 20036

venetta.macaluso@ubs.com

Venetta Macaluso

1150 17th Street,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
- OR
- PA
- SC
- TN
- TX
- UT
- 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
1150 17th Street
Washington, D.C., DC 20036

chad.lemko@ubs.com

Chad Lemko

1150 17th Street,Washington, D.C.,DC,20036
Carey White

Registered Client Associate
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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- 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, CPWA®
View bio Industry recognition
- 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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WV
Todd Nichols has over two decades of experience developing comprehensive financial, estate, and wealth management plans for high net worth individuals and entrepreneurs. Todd earned the Certified Private Wealth Advisor (CPWA®) designation from the Investments & Wealth Institute and a certificate in Financial Planning from Rollins College. He is also a graduate of the United States Naval Academy where he earned a Bachelor of Science degree in Mathematics with an emphasis in Operations Analysis and Economics. While on active duty, Todd served as a Naval Supply Corps Officer. Todd currently splits his time between our offices in Washington, DC and Palm Beach, Florida.

CA Insurance License 0H43720
- Forbes Best-in-State Wealth Advisors, 2025The 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, 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.
- United States Naval Academy, B.S. in Mathematics
- Rollins College, Certificate in Financial Planning
- Private Wealth Advisor, CPWA®
Estate planning strategies

Legacy planning

Alternative investments

Lending services

Securities-backed lending

Multi-generational families

Business owners

Entrepreneurs

1501 K Street North West
Suite 1100
Washington, DC 20005

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

Todd Nichols, CPWA

1501 K Street North West,Washington,DC,20005
Robert Wright

Senior Vice President–Wealth Management

Senior Portfolio Manager
View bio Industry recognition
- 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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WV
Robert Wright has over 30 years of experience providing investment consulting and portfolio management services to high net worth individuals and institutions. He started his career with Wachovia in 1989 and joined UBS in 2009. Rob has completed extensive training and Advanced Planning Techniques which has earned him the UBS Wealth Advisor designation. He has also completed training in portfolio construction and risk management techniques which has earned him a Senior Portfolio Manager Designation. Robert received a Bachelor of Sciences degree in Business and Management from the University of Maryland. He currently resides in Potomac, Maryland with his wife Teres and has three daughters.

CA Insurance License 0H04465
- Forbes Best-in-State Wealth Management Teams, 2023, 2024, 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.
- University of Maryland, B.S. in Business and Management
- Senior Portfolio Manager
- Wealth Advisor
Financial planning

Retirement planning

Custom portfolios

Asset allocation

Alternative investments

Corporate executives

1150 17th Street
Washington, D.C., DC 20036

robert.wright@ubs.com

Robert Wright

1150 17th Street,Washington, D.C.,DC,20036
John A. Aras

Senior Vice President–Wealth Management
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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WV
John has almost 40 years of industry experience providing investment management advice to high-net-worth individuals, families and businesses. During his tenure at Morgan Stanley, John served both institutional fixed income clients and individuals with assets in excess of $20 billion dollars. These services included portfolio management, securitization of mortgage loans and generation of customized agency issued debt investments. Prior to entering the investment advisory business in 1984, John worked as a tax accountant with Arthur Anderson in Cleveland, OH. He holds a B.A. in Accounting and Political Science from Ohio Wesleyan University. He resides in Annapolis, MD with his wife Caroline and enjoys spending time on the Chesapeake Bay.

CA Insurance License 0C95554
1501 K Street North West
Suite 1100
Washington, D.C., DC 20005

john.aras@ubs.com

John A. Aras

1501 K Street North West,Washington, D.C.,DC,20005
Kevin Bruening, CFP

Account Vice President

Financial Advisor
View bio Industry recognition
- 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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WV
Kevin Bruening has over 15 years of experience providing investment consulting and financial planning services. Kevin works closely with Todd and Rob consulting with clients and assisting with the financial planning aspects of the group. Kevin earned his certificate in Financial Planning from Georgetown University and is a graduate of the University of Maryland where he received a Bachelor of Arts degree in Economic History. Kevin resides in Howard County, Maryland with his wife Tracey and daughter Elizabeth.

CA Insurance License 4203090
- Forbes Best-in-State Wealth Management Teams, 2023, 2024, 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.
- University of Maryland, B.A. in Economic History
- CERTIFIED FINANCIAL PLANNER®
Financial planning

Education planning

Retirement planning

Legacy planning

Investing

Asset allocation

1150 17th Street
Washington, D.C., DC 20036

kevin.bruening@ubs.com

Kevin Bruening, CFP

1150 17th Street,Washington, D.C.,DC,20036
Megan Kondos, AAMS

Financial Advisor

Accredited Asset Management Specialist™
View bio Industry recognition
- 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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WV
Megan has over 10 years of experience in the financial services industry building client relationships grounded in individualized service and trust. As a Financial Advisor, she joins Envision Capitol Wealth Management in helping to serve affluent individuals and families—and ensuring that the team is poised to do so for generations to come. While she completes the firm’s rigorous Financial Advisor Development Program, she focuses on the team’s marketing, research and asset allocation process, wealth management reporting, and client education. Megan holds a B.A. in Economics and Political Science from the University of North Carolina at Chapel Hill. She and her husband reside in Garrett Park, Maryland with their son and daughter. In her spare time, Megan enjoys skiing, swimming, and exploring local hiking trails with her family.

CA Insurance License 4199654
- Forbes Best-in-State Wealth Management Teams, 2023, 2024, 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.
- University of North Carolina at Chapel Hill, B.A. in Economics and Political Science
- Accredited Asset Management Specialist™
- Chartered Retirement Planning Counselor
1150 17th Street
Washington, D.C., DC 20036

megan.kondos@ubs.com

Megan Kondos, AAMS

1150 17th Street,Washington, D.C.,DC,20036
Venetta Macaluso

Team Administrator
View bio
- AL
- DC
- FL
- MD
- MS
- MT
- VA
Venetta Macaluso is the lead client service associate on the team and has over 20 years of industry experience. As the Team Administrator, she oversees the team's operations and manages all aspects of our clients' service needs. Venetta received a Bachelor of Arts degree from Canisius College. She resides in Gainesville, Virginia with her husband Emanuel.
Banking

Lending services

Cash management

1150 17th Street
Washington, D.C., DC 20036

venetta.macaluso@ubs.com

Venetta Macaluso

1150 17th Street,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
- OR
- PA
- SC
- TN
- TX
- UT
- 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
1150 17th Street
Washington, D.C., DC 20036

chad.lemko@ubs.com

Chad Lemko

1150 17th Street,Washington, D.C.,DC,20036
Carey White

Registered Client Associate
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
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- 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.}

Tariffs, volatility and your portfolio

Are you ready?

In the first 100 days of a second Trump administration, policy uncertainty continues to dominate. Do you have questions about the impact of tariffs, inflation and geopolitical developments on your investment strategy?

We’re here to help you make sense of it all and move forward with confidence. Make sure your portfolio is prepared for ongoing market volatility.

A leader in wealth management

Backed by the strength of our parent company, UBS AG

^$6 trn

UBS Group invested assets
As of 12/31/2024

51 countries

Our global footprint

Global leader

UBS is a leading and truly global wealth manager

Your life. Your wealth. Your future.

Todd Nichols, CPWA

Robert Wright

John A. Aras

Kevin Bruening, CFP

Megan Kondos, AAMS

Venetta Macaluso

Chad Lemko

Carey White