Experience

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

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 CDC.   

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

As a Financial Advisor, I partner with high‑net‑worth individuals, families, and business owners to help them make informed, strategic decisions about their wealth. My mission is to bring clarity to complex financial matters, providing clients with the confidence and structure needed to build, preserve, and transition wealth across generations. I believe that meaningful advice is built on clarity, trust, and disciplined planning—allowing clients to stay focused on what matters most to them, their businesses, and their families.

I specialize in developing tailored investment strategies and comprehensive wealth plans that align with each client’s long‑term goals. Whether guiding a family through multi‑generational planning, helping a business owner prepare for a liquidity event, or constructing a long‑range investment framework, I use a disciplined, research‑driven approach to grow assets while managing risk appropriately. As needs evolve, I work closely with clients to refine their strategies to ensure continued alignment and long‑term success.

My work also includes helping clients incorporate tax‑efficient strategies and thoughtful charitable giving where appropriate—ensuring their financial decisions support both their near‑term objectives and the legacy they wish to create. These elements complement a broader suite of services designed to simplify and elevate the way clients manage their wealth.

My services include:

- Strategic Wealth Planning

- Customized Investment Management

- Risk Management & Asset Protection

- Tax‑Efficient Solutions & Charitable Strategy Integration

Before entering the financial industry, I earned a Bachelor of Science in Quantitative Economics from the United States Naval Academy. I served as an Infantry Officer in the United States Marine Corps for over seven years, achieving the rank of Captain before honorably departing in 2021. This experience shaped my commitment to leadership, integrity, and disciplined execution—all values that define my work with clients today.

Outside of work, I stay actively involved in my community through Hill City Church and enjoy spending time with my family. I am a proud member of the Army Navy Country Club, and I enjoy golfing, staying active, and cooking with my wife Lauren, our son John, and our daughter Ann Marie.

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.

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.

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.