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
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 has a distinguished career as a Private Wealth Advisor and Managing Director at UBS. He has extensive experience developing comprehensive financial, estate, and wealth management plans for high-net worth individuals and entrepreneurs. He is the team lead for Envision Capital Wealth Management.

Todd believes that understanding family dynamics is essential to superior wealth management, and that effective retirement planning helps clients maintain financial independence and the ability to pursue what’s important to them. Looking beyond clients’ portfolios – and helping them look forward – is critical to helping clients achieve their most cherished goals, and serves as the basis behind many of the strategies utilized by Envision Capital Wealth Management.

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 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, he served as a Naval Supply Corps Officer. He currently splits his time between our offices in 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
Kevin Bruening, CFP

Vice President–Wealth Management

Financial 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
Kevin brings clients more than 20 years of deep and varied financial planning & investment experience. Kevin focuses on the unique wealth management needs of clients developing sophisticated and meaningful analysis. In working with clients, Kevin seeks to understand what matters most regarding goals, life priorities, need for liquidity, gifting, and estate planning. From that understanding Kevin seeks a tailored approach to achieving those goals and objectives for each client.

Joining UBS in 2009, Kevin has been an integral part of the Envision Capital team. Kevin holds a CFP® designation and prior to entering the wealth management industry, Kevin received a B.A. from the University of Marland College Park where he studied History with a concentration in Economics. Kevin also received a Certificate in Financial Planning from Georgetown University SCS.

Kevin resides in Columbia, Maryland with his wife Tracey and their golden retriever, Paxton. Kevin is active in his community where he volunteers as a board member. Kevin enjoys visiting museums and gets in the occasional round of golf.

CA Insurance License 4203090
- 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.
- University of Maryland, B.A. in Economic History
- CERTIFIED FINANCIAL PLANNER
Financial planning

Education planning

Retirement planning

Legacy planning

Investing

Asset allocation

1700 M Street NW
5th Floor
Washington, D.C., DC 20036

kevin.bruening@ubs.com

Kevin Bruening, CFP

1700 M Street NW,Washington, D.C.,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 has a distinguished career as a Private Wealth Advisor and Managing Director at UBS. He has extensive experience developing comprehensive financial, estate, and wealth management plans for high-net worth individuals and entrepreneurs. He is the team lead for Envision Capital Wealth Management.

Todd believes that understanding family dynamics is essential to superior wealth management, and that effective retirement planning helps clients maintain financial independence and the ability to pursue what’s important to them. Looking beyond clients’ portfolios – and helping them look forward – is critical to helping clients achieve their most cherished goals, and serves as the basis behind many of the strategies utilized by Envision Capital Wealth Management.

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 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, he served as a Naval Supply Corps Officer. He currently splits his time between our offices in 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
Kevin Bruening, CFP

Vice President–Wealth Management

Financial 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
Kevin brings clients more than 20 years of deep and varied financial planning & investment experience. Kevin focuses on the unique wealth management needs of clients developing sophisticated and meaningful analysis. In working with clients, Kevin seeks to understand what matters most regarding goals, life priorities, need for liquidity, gifting, and estate planning. From that understanding Kevin seeks a tailored approach to achieving those goals and objectives for each client.

Joining UBS in 2009, Kevin has been an integral part of the Envision Capital team. Kevin holds a CFP® designation and prior to entering the wealth management industry, Kevin received a B.A. from the University of Marland College Park where he studied History with a concentration in Economics. Kevin also received a Certificate in Financial Planning from Georgetown University SCS.

Kevin resides in Columbia, Maryland with his wife Tracey and their golden retriever, Paxton. Kevin is active in his community where he volunteers as a board member. Kevin enjoys visiting museums and gets in the occasional round of golf.

CA Insurance License 4203090
- 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.
- University of Maryland, B.A. in Economic History
- CERTIFIED FINANCIAL PLANNER
Financial planning

Education planning

Retirement planning

Legacy planning

Investing

Asset allocation

1700 M Street NW
5th Floor
Washington, D.C., DC 20036

kevin.bruening@ubs.com

Kevin Bruening, CFP

1700 M Street NW,Washington, D.C.,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

Watch the replay of the CIO House View monthly livestream for a conversation with David Lefkowitz, Head of US Equities; Kurt Reiman, Head of Fixed Income; and Jay Dobson, US Energy & Utilities Strategist; where they discussed the latest developments of the Middle East escalation, AI disruption, updates on tariffs, and the market implications of these topics as well as what it all means for your portfolio. The discussion was hosted by Nadia Lovell, Head of Global Equity Strategy & Management.

March 05, 2026

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.}

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

Your life. Your wealth. Your future.

Todd Nichols, CPWA

Kevin Bruening, CFP

Jarrett Brant

Chad Lemko

Carey White