Experience

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

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. 

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.