Advice to match your ambitions

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Mike joined the FTB team in January of 2025. He graduated with a finance degree from the Farmers School of Business at Miami University. Mike has spent over two years working at UBS on our Operations team before joining FTB. In his free time, Mike enjoys spending time with family, hanging out with friends, and cheering on the Bengals and Reds!

• Miami University, B.S. Finance

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Mike serves a dual role at FTB. First and foremost, Mike is a Wealth Strategy Associate, working closely with client families to help them carry out the various strategies in their Financial Plans. Many families appreciate his patience, calm demeanor and acute attention to detail.

These skills also suit him well for his additional role as part of FTB’s investments and portfolio team. In this role, he is responsible for executing daily trades for the team and assisting our portfolio managers in the ongoing maintenance of our $2+ Billion managed portfolio. 

Mike began working for UBS as an intern in the summer 2016 and transitioned into a part-time role as a Client Service Associate while completing his education at Xavier University. Upon graduating with a B.S.B.A with majors in Finance and Marketing in Spring 2017, he was invited to join FTB full time.

During his tenure at FTB, Mike has excelled in a number of roles including as part of our Financial Planning, investments and portfolio management teams as well as working directly with client families. Mike has completed the SIE, Series 7 and 66 industry exams and in 2023, he completed the Certified Financial Planner designation.

In his free time, he enjoys traveling, attending concerts and experiencing the best restaurants and events downtown Cincinnati has to offer. Although he now calls Cincinnati home, his roots trace back to St. Louis, MO where most of his sports loyalties still lie.

• Xavier University, B.S.B.A. Finance & Marketing

• CERTIFIED FINANCIAL PLANNER®

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Rob is driven by the belief that our role as advisors is not just about numbers, but seeing a family’s potential, the potential for gaining purpose with wealth and helping families to “Maximize life today AND protect tomorrow.” Rob constantly raises the bar for how we deliver value for clients, whether it is “looking around corners” for unforeseen advice or leading initiatives to bring wellness education to clients because “wealth, without health of the body, mind and spirit, is meaningless”. These “robservations” have been engrained in FTB’s culture and help define our best-in-class service.

Rob credits his upbringing for helping shape who he is today. Growing up in a small town in Wisconsin, he learned many life lessons working in the family’s third generation bakery. Rob admits beginning the day at 3am was a tough lesson to embrace, but the daily effort to create quality products and service were repaid ten-fold by loyal delighted customers. Fascinated by books  and taxes the bakery’s accountant advised on, he aspired to be a CPA. After landing a position at Deloitte, Rob fine-tuned his expertise to serving the complex compensation and tax needs of global executives. Despite a blossoming CPA career, Rob strived for more – deeper relationships, more opportunity to make an impact for families, and colleagues as passionate for helping others as he. He joined the team in 1999 and the rest, you can say, is history.

Today Rob enjoys working with high-level P&G executives, Fortune-500 CEOs and other ultra-high-net-worth families with many complex financial planning needs. He lives in Mariemont with his wife, Kara and is a proud father of two adult children, one studying animation and the other serving his country as an Officer of Marines. When he is not solving complex financial puzzles or coming up with a new robservation, he enjoys staying active cycling, skiing, traveling, and walking the family dog, Bardi (yes-named after Vince Lombardi. Go Pack Go!).

• Barron’s Top 250 Private Wealth Management Teams, 2025The Barron's rating is awarded annually in May based on information from the prior year Q4.
• Barron's Top 1,200 Financial Advisors, 2021, 2022, 2023
  The Barron's rating is awarded annually in March and is based on information from the prior year Q3. 
• Forbes America’s Top Wealth Management Teams (Private Wealth & High-Net Worth), 2022, 2023The Forbes rating is compiled by Shook Research and awarded annually in November based on information from a 12 month period ending in March of the award year.
• Forbes Best-in-State Wealth Advisors, 2019, 2020, 2021, 2022, 2023The 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, 2024The 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.

• Ferris State University, B.S. Accountancy

• CERTIFIED FINANCIAL PLANNER®

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With more than 30 years’ experience in the industry, Molly is a veteran at guiding families through financial decisions at all stages of life. Having been a working mother for more than twenty years, she has an appreciation for clients who balance the many demands of a successful career and family. She takes pleasure in helping talk through the unique dreams and goals for each family, putting a plan in place and working alongside the family as those goals become reality. Molly is known on the team for her compassion, her exceptional communication skills and attention to detail.

Molly is graduate of Salem College with a degree in economics-management and holds the CERIFIED FINANCIAL PLANNER (CFP®) designation. She began her career at Bank One Investments as a financial advisor and joined the FTB Financial Services team in 2008, making an immediate impact as she guided clients through the recession. Today, Molly continues to enjoy working closely with client families full time and mentoring newer FTB team members. 

Molly is actively engaged in community outreach at her church and enjoys volunteering with Junior Achievement. She enjoys hot yoga and staying active with her husband, Dave, and their two daughters.

• Salem College, B.A. Economics Management

• Relationship Manager
• CERTIFIED FINANCIAL PLANNER®

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Craig is one of the longest tenured FTB team members. In addition to working closely with clients, Craig is our operations leader and the team historian. Throughout his career, he has performed almost every role on the team and is a true mentor to all of our new team members. His favorite part of the job is that it is always changing and always challenging. He truly loves working with the talented people on the FTB team and our wonderful clients.

Co-workers describe Craig as enthusiastic, trusted, and funny. Known as the office’s “Jack of All Trades” and “Mr. Reliable,” Craig can certainly be counted on. He drives people to be the best version of themselves and never hesitates to do anything for anyone.

Craig joined UBS in 1991. He graduated from Northern Kentucky University with a B.A. in History. He holds the Series 7, 8, and 63 licenses.

Outside of the office, Craig is an enjoyer of classic country movies and biographies. He enjoys spending his time with his six grandchildren, working out, and avidly supporting the Reds, Steelers, and his beloved UK Wildcats. If Craig wasn’t at FTB, he would be coaching basketball or baseball and teaching at the high school level.

• Northern Kentucky University, B.A. History

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Scott is a partner with FTB Financial Services and, for more than 20 years, has worked closely with families to develop personalized wealth management studies. He is a Senior Portfolio Manager through the PMP program, a CFP®, and a member of FTB Financial Services’ Investment Strategy Committee.

Scott’s favorite part of the industry is the responsibility of serving clients and families to ensure their worries are taken away. By removing the burden of their financial concerns, he hopes families can spend their time enjoying the fruits of their labor and their lifelong work.

After earning a B.A. from the Mendoza college of Business in the University of Notre Dame, Scott joined UBS in 2000 after two years as a vice president with Physicians Billing Management in Cleveland, OH.

Co-workers describe Scott as energetic, enthusiastic, and confident. He is also known for embracing new ideas, being a good leader, and eager to teach others.

Outside of the office, Scott enjoys coaching youth Sports in the University of Notre Dame Monogram Club and spending time with his wife, Kelly, and their four children. If he wasn’t in this industry, Scott would likely be coaching football, cutting grass, and chartering his own deep sea fishing board.

Scott and his family also volunteer annually at the Free Store Food Bank and the Children’s Hospital.

• Barron’s Top 250 Private Wealth Management Teams, 2025The Barron's rating is awarded annually in May based on information from the prior year Q4.
• Forbes America’s Top Wealth Management Teams (Private Wealth & High-Net Worth), 2022, 2023, 2024The Forbes rating is compiled by Shook Research and awarded annually in November based on information from a 12 month period ending in March of the award year.
• Forbes Best-in-State Wealth Advisors, 2021, 2022, 2023, 2024, 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.

• University of Notre Dame

• CERTIFIED FINANCIAL PLANNER®

Henry is a Financial Advisor in the UBS International Division based out of New York, NY. The FTB team partners with Henry to provide investment services for clients outside of the U.S.

Henry has held various positions within UBS since he joined in 2016 encompassing operational and sales aspects such as offshore product sales management, compliance, risk management, and client onboarding. He made the transition to the role of Financial Advisor in 2023, where he collaborates with client to develop investment plans that preserve and grow wealth over time.

Henry went to San Francisco State University where he studied Business Administration with a concentration in Accounting. He values cultivating strong relationships with his UBS partners in order to deliver the best and tailored solutions to clients.

• Barron’s Top 250 Private Wealth Management Teams, 2025The Barron's rating is awarded annually in May based on information from the prior year Q4.

• International Financial Advisor

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Ryan joined the team as a Client Service Associate in 2020 after graduating from the University of Cincinnati with a B.A. in Finance. Now, Ryan is an Associate specializing in serving families with many complicated and moving parts. During his tenure at FTB, Ryan has been heavily involved in our investments and financial planning teams, spearheading initiatives such as revamped client agendas and implementing the Wealth Way strategies with clients.

Ryan’s favorite part of the industry is the impact of his role on families. He understands the important of a family’s financial decisions and is dedicated to having a positive effect on the lives of his clients.

In January 2023, Ryan was voted as FTB’s “impact player of the year,” an annual award given to one FTB team member who has made an impact on the business and exemplifies the team’s core values: work ethic, integrity, service, and humility.

Ryan is Cincinnati born and raised and is proud to call Over The Rhine his home. When he’s not in the office, he enjoys exploring the city and, as a devout Cincinnati sports fan, cheering on the Reds, Bengals, and Bearcats.

Ryan is also a strong supporter of Junior Achievement, a national program focused on educating youth in financial literary. Annually, he hosts the Junior Achievement Stock Market Challenge and participates in an Inspire to Hire career event for middle and high schoolers.

• University of Cincinnati, B.B.A. Finance

Zoe grew up in Cincinnati and is a graduate from Miami University. Early in her career, Zoe gained experience in financial services at Merrill Lynch. She joined UBS in 2022 working closely with branch and market leaders. There, she quickly gained a reputation for her work ethic and attention to detail. In January 2024, she joined the FTB team to work more closely with clients.

• Miami University, B.S. Finance

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Chris is energized by helping P&G executives and their families with complex financial decisions and providing guidance on compensation elections (including SEC compliance, 10b5-1 planning etc), retirement planning, and generational wealth transfer strategies. Chris is a member of the team’s Investment Strategy committee and leads FTB’s weekly best practice sharing. He ends each team meeting with “Let’s keep the momentum going,” highlighting his belief that FTB will continue to be ahead of the industry curve by providing innovative solutions and superior service.

Chris discovered his true passion for wealth management in 2011, after accepting a position in marketing at UBS. He quickly became fascinated with the complexities of the financial industry and the role financial advisors play in helping successful families grow, protect, and manage their wealth. After 3 years in his marketing role, he was ready to make the move to a position serving clients. He joined FTB Financial Services in 2014 and hit the ground running. Within his first year, Chris completed the work required to obtain the CERTIFIED FINANCIAL PLANNER™® (CFP®) designation. Weeks later, he enrolled in the 3-year Charted Financial Analyst program, earning his designation (CFA®) in 2018.

A lifelong Cincinnati resident, Chris graduated from Miami University, where he met his wife, Kathryn. They live in Mt. Lookout with their three children, Charlotte, George and Alice. Outside of work, he spends time giving back as a volunteer with Junior Achievement and as an Emerging Leader for the Cincinnati Parks Foundation Board.

• Barron’s Top 250 Private Wealth Management Teams, 2025The Barron's rating is awarded annually in May based on information from the prior year Q4.

• Miami University, B.A. Mass Communication

• CERTIFIED FINANCIAL PLANNER®
• Chartered Financial Analyst®

Maria joined the FTB team in 2025 as a Client Service Associate. Maria graduated from the University of Cincinnati with a Bachelor of Business Administration in Operations Management and Marketing. While completing her studies she gained experience in several customer experience roles. Maria was born and raised in Cincinnati and currently resides in Loveland. Outside of work she enjoys piecing together puzzles, cooking, and traveling.

• University of Cincinnati, B.B.A. Operations Management and Marketing

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As the leader of our team’s investment strategy, Tim plays an essential role behind the scenes for all FTB families. Under Tim’s leadership, our investment strategy team works in concert with UBS CIO office, outside strategists and fund managers to develop FTB’s exclusive investment strategies. In addition, Tim leads the strategy team in providing investments ideas and recommendations, performing routine rebalancing and tax-loss harvesting, offering perspective on the markets, and taking action as circumstances change.  

Tim also serves as the primary advisor for client families. He enjoys spending time on both sides of our industry – diving into the details of investment strategies as well as putting those strategies into action with clients as he helps them work towards their financial goals.

Tim graduated from Northern Kentucky University in 1994 and attained the Chartered Financial Analyst (CFA) designation in 2003. The CFA credential is "the highest distinction in the investment management profession", per the CFA Institute. Tim joined the FTB Financial Services team in 1998 and has been a valued member of the team ever since. Tim is known on the team for his ability to break down complex investment concepts into simple terms, plus his quick wit and entertaining dance moves.

He is active in the community, volunteering through Junior Achievement, St. Vincent DePaul and Ronald McDonald house. In his free time, he enjoys playing golf and spending time with his wife, Tina, and their two daughters.

• Barron’s Top 250 Private Wealth Management Teams, 2024, 2025The Barron's rating is awarded annually in May based on information from the prior year Q4.
• Barron's Top 1,200 Financial Advisors, 2024, 2025
  The Barron's rating is awarded annually in March and is based on information from the prior year Q3. 
• Forbes America’s Top Wealth Management Teams (Private Wealth & High-Net Worth), 2022, 2023, 2024The Forbes rating is compiled by Shook Research and awarded annually in November based on information from a 12 month period ending in March of the award year.
• Forbes Best-in-State Wealth Advisors, 2020, 2021, 2022, 2023, 2024, 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.

• Northern Kentucky University, B.S. Marketing

• Chartered Financial Analyst®
• Senior Portfolio Manager

Samantha joined the FTB team in 2024 as a Client Service Associate, bringing with her valuable experience from other areas of UBS. Samantha began her career in 2020 at the UBS Wealth Advice Center based out of Charlotte, NC. She later transferred to Hunt Valley, Maryland where she gained valuable experience as a Client Associate. Relocating once again to the tri-state area in 2024, Samantha looks forward to bringing her experience and high quality service to FTB clients. 

Samantha holds a degree in Business Administration from Saint Mary’s College of Notre Dame. She currently resides in Covington, KY and in her free time, she likes to read, cook, try new restaurants, and visit her family in her hometown Raleigh, NC.

• Saint Mary's College of Notre Dame, B.B.A. Business Administration
• Miami University, B.S. Finance

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Luis is a Private Wealth Advisor in the UBS International Division based out of Houston, TX. The FTB team partners with Luis to provide investment services for clients outside of the U.S.

Born in Caracas, Venezuela,  Luis started his financial career at UBS in 2002 after earnings his MBA at Rice University. Throughout his long, successful career, he has been a member of the UBS Financial Services Recognition Council in 2005, 2006, 2007, 2008, 2010, and 2012.

Throughout over 22 years of carrier at UBS International, Luis has developed strong relationships with clients, and delivers comprehensive wealth management with a focus on portfolio constructions, portfolio management and estate planning.

• Barron’s Top 250 Private Wealth Management Teams, 2025The Barron's rating is awarded annually in May based on information from the prior year Q4.

• International Private Wealth Advisor

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Hannes is a Private Wealth Advisor in the UBS International Division based out of New York, NY. The FTB team partners with Hannes to provide investment services for clients outside of the U.S.

Hannes joined UBS in 2001 after positions at Lehman Brothers, Unilever, and L’Oreal. He also holds a B.B.A. in international business from the University of Texas, Austin, and an M.B.A. from NYU Stern School of Business. At UBS, Hannes chairs the UHNW committee of the International Advisor Advisory Council (IAAC) where he collaborates with his fellow International Private Wealth Advisors and senior management to strategize and design procedures and policies for the UHNW segment

Throughout over 20 years of working with clients, Hannes has remained passionate about developing unique wealth management processes design to help each client identity their priorities, goals, concerns, and values.

When Hannes is not in the office, he can be found skiing, sailing, and kayaking with his wife and four children.

• Barron’s Top 250 Private Wealth Management Teams, 2025The Barron's rating is awarded annually in May based on information from the prior year Q4.

• International Private Wealth Advisor

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Originally from Pune, India, Chaitanya (CK for short) came to the United States to pursue a PhD in Engineering at the University of Cincinnati. Looking for new opportunities and a place to apply his strong analytical skillset, CK made a bold decision to pursue a new career path in financial services and joined the FTB team in 2022 as a Client Service Associate.

As a knowledge-driven person, CK’s favorite part of the financial industry is the growth potential, both career-wise and personally. This industry is a vast ocean and he enjoys that there is always something new to learn, and he turns around and shares it with the team and our clients.

Before joining the FTB team, CK worked for 9 years as a graduate assistant in the UC School of Human Services, while working toward a PhD in Materials Science, gaining experience in many aspects of school and business administration.

Outside of the office, CK is passionate about photography, particularly astrophotography and street photography. He also likes cooking, hiking, and star-gazing. You can also find him in the theater watching plays, ballets, and operas.

CK is also passionate about women’s education. In India, CK worked with a nonprofit to provide education to underprivileged women and hopes to continue this effort in the United States.

• University of Pune, B.S. Metallurgical and Materials Sciences
• University of Cincinnati, M.S. Materials Science and Engineering

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If you walk in our office and immediately notice a bright positive energy, chances are it is radiating from Krista’s desk. While many FTB team members have dual roles on the team, Krista harnesses her limitless energy to serve in a number of distinct roles, all centered around one thing: relationships. Krista’s favorite and most important role is primary advisor for our clients, allowing her to develop meaningful relationships with families and helping them plan for and work towards their life’s goals.

In addition, Krista leads FTB’s financial planning team, staying on top of the many considerations we account for when creating financial plans for families. She is a skilled presenter and will often be our featured speaker for seminars, sharing her deep knowledge of P&G’s LTIP & STAR awards and financial planning topics. As a working mother, Krista is passionate about bringing women to the financial table and you will often find her presenting UBS’s Own Your Worth program to groups across the country. 

If that is not enough, Krista spearheads the team’s employee relations, working to recruit talented new team members who exemplify our team’s values and principles, and coordinating the professional development plans for all team members so they can realize their full potential at FTB. 

Krista is a graduate of Denison University with a B.A. in psychology and educational studies and holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. She joined the FTB team in 2006 and was recognized as FTB’s player of the year twice – as the first ever recipient in 2008 and again in 2020. Krista lives in Loveland with her husband Bob and two daughters.

• Barron’s Top 250 Private Wealth Management Teams, 2025The Barron's rating is awarded annually in May based on information from the prior year Q4.
• Forbes America’s Top Wealth Management Teams (Private Wealth & High-Net Worth), 2024The Forbes rating is compiled by Shook Research and awarded annually in November based on information from a 12 month period ending in March of the award year.
• Forbes Best-in-State Wealth Management Teams, 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.

• Denison University, B.A. Psychology and Educational Studies

• CERTIFIED FINANCIAL PLANNER®

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Dennis manages investments and client relationships for the team. He brings more than 32 years of financial services experience. Dennis focuses on managing stock and bond portfolios, including the use of stock options, for individual business owners, corporate executives and women.

Dennis earned a BA from Bellarmine College, and studied economics and community development at the University of Louisville. He holds a Series 7 securities license. Prior to joining UBS in early 2009, he was a financial advisor at Smith Barney. Dennis enjoys golf and is active with the John’s Island Outreach Center.

• Barron’s Top 250 Private Wealth Management Teams, 2025The Barron's rating is awarded annually in May based on information from the prior year Q4.

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Ning joined the FTB Financial Services team in June 2021 as a Senior Wealth Strategy Associate, bringing over 10 years’ experience in the financial services industry. Ning has proven herself to be a valuable part of our FTB investments team and a valuable resource for clients.

Ning attended Tsinghua University and University College London, earning a master’s degree in Economics. She also holds the Chartered Financial Analyst® designation, “one of the highest distinctions in the investment management profession.” Since joining the team, Ning has successfully passed the Series 7 and Series 66 exams and earned the Certified Private Wealth Advisor® (CPWA®) designation.

Ning lives in Mason with her husband, Hejie, and their two children. Outside of work Ning enjoys traveling, listening to music, and ballroom dancing. 

• Tsinghua University, B.S. Finance
• University College London, M.A. Economics

• Certified Private Wealth Advisor®
• Chartered Financial Analyst®

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Bill McCarthy is the leader of the FTB team and the guiding voice behind FTB's vision and strategic direction. Under Bill's leadership, he challenges and motivates our entire team to strive for excellence in everything we deliver to you.

FTB team members describe Bill as perceptive, thorough, focused and compassionate. He brings these skills to his relationships with FTB clients every day. Bill works diligently to understand each client's unique situation and tailor FTB's breadth of services to each family's individual needs.

Bill began his career at FTB after completing college. He made an immediate impact on the team and his responsibilities grew quickly. During Bill's career, he has been an integral part of the FTB leadership team, excelling in many roles over the years including associate, Financial Advisor, and the team's operational  leader. From 2009-2018, Bill served as the leader for team member relations during a significant growth period for FTB as we grew the team's headcount by 50%. Demonstrating great skill in leadership and a passion for the business side of FTB, Bill was promoted in 2019 to be the leader of the team.

Bill obtained his bachelors degree in Finance from Indiana University, completed his MBA at Xavier University and attained the CFP® designation. He lives on the east side of Cincinnati with his wife, Dorrie, and their four children. In his free time, Bill enjoys spending time with his family, traveling to new places, and spending time on the golf course.

• Barron’s Top 250 Private Wealth Management Teams, 2024The Barron's rating is awarded annually in May based on information from the prior year Q4.
• Barron's Top 1,200 Financial Advisors, 2024, 2025
  The Barron's rating is awarded annually in March and is based on information from the prior year Q3. 
• Forbes America’s Top Wealth Management Teams (Private Wealth & High-Net Worth), 2022, 2023, 2024The Forbes rating is compiled by Shook Research and awarded annually in November based on information from a 12 month period ending in March of the award year.
• Forbes Best-in-State Wealth Advisors, 2022, 2023, 2024, 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.

• Indiana University, B.S. Finance
• Xavier University, MBA

• CERTIFIED FINANCIAL PLANNER®

When you walk into the FTB Financial Services office, the first person you will meet is Jessica. She is the front line for our team, the smiling face greeting you as you walk in the door and the pleasant voice you hear when you call our main line. In fact, you likely interacted with Jessica before you were even a client!

As the team client relationship specialist, Jessica’s role is unique. She is responsible for scheduling over 1,000 client meetings each year. Jessica is a pro at piecing together the complicated puzzle that is our team calendar, coordinating the individual calendars of more than 20 team members. A true team player, Jessica helps keep our team running. She plans our events and seminars, working behind the scenes on the many details. She acts as our office manager, keeping our supplies in stock and handling accounts payable. FTB relies on Jessica’s creativity for those extra touches, such as the décor in the office and ideas for unique, special gifts to celebrate milestones.

Jessica has been part of the UBS family since 2003, taking on a variety of roles from HR to supporting the technology needs of the business. She joined the FTB Financial Service team in 2014 and was recognized as our team’s “player of the year” in 2017. In her free time, Jessica enjoys crafting, cooking and spending time with her husband, Dean. 

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Mak joined the FTB team in August 2021 as a Client Service Associate. He is a graduate from Xavier University, earning a Bachelor of Science in Finance with a minor in Business Analytics. During his studies, Mak gained experience through internships with OJM Group and Cincinnati Financial Corporation. He also helped manage Xavier’s $3.5M student-led D’Artagnan Capital Fund. A native of Portland, ME, Mak now resides in Oakley. Outside of work he likes to run, rock climb, and remain active outdoors.

• Xavier University, B.S. Finance

Heather joined FTB in 2018, bringing with her 15 years of experience in customer service including 10 years in the financial industry. She is now an experienced member of our client service team. Originally from Louisville, Heather lives in the heart of Kentucky with her husband and son. Our FTB teammates describe Heather as patient, diligent and 'country sweet'. In her free time, she regularly travels to Louisville to spend time with family or catching the latest play at the Actors Theatre of Louisville. You can also find her cheering on her favorite team, the Cincinnati Reds.

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Brad’s favorite part of FTB is building relationships with clients and helping people achieve their financial goals. On the team, he has two roles: first as Associate serving a number of high-net-worth families. Secondly, he is a valued member of the team’s investment strategy committee, helping all of our advisors create investment proposals to fit the needs and goals of our clients.  

Additionally, Brad holds both the Chartered Financial Analyst (CFA) designation and Certified Financial Planner (CFP) designation, one of only 2 FTB team members to hold both designations. Prior to joining FTB, Brad gained valuable industry experience over the course of 16 years at Barclays, Citi, and Fifth Third Bank.

Brad graduated from Indiana University and avidly cheers on the Hoosiers and Cincinnati sports teams. When he is not in the office, Brad enjoys chasing after his three daughters and coaching their soccer teams in the spring and fall. He can also be found listening to classic rock music and watching Disney movies with his kids or taking his family on (yet another!) Disney vacation.

• Indiana University, B.S. Finance, International Business, Operations Management

• CERTIFIED FINANCIAL PLANNER®
• Chartered Financial Analyst®

Cindy is the epitome of calm, cool, and collected. As a client associate with over 25 years of experience,  FTB continually relies on her. Whether it is finding answers to tough questions, staying on top of the latest operational processes, or ensuring FTB’s clients have seamless online and in-person service, Cindy does it all.

Cindy’s favorite part of her long tenure on the team is the people she works with. FTB has become her family, and she loves coming into the office every day to make an impact – on clients and her fellow teammates. Cindy is the only three-peat winner of the team’s coveted “FTB Impact Player of the Year” award, winning in 2009, 2018, and 2023. She was also honored with the “Support Partner of the Year” award for the UBS Kenwood Branch for 2023.

Cindy is a graduate of Northern Kentucky University and, outside of the office, she enjoys spending time with her husband and two daughters, including frequent trips to King’s Island!

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Jessica Stallo joined FTB team as a Client Service Associate in 2018, bringing with her 7 years of experience in the financial services industry. She graduated from the University of Cincinnati with a BBA in Operations Management & holds her Series 6, 63, & Life & Health Insurance License. Jessica lives in Oakley with her husband Sean, their son Harry, daughter Maeve & dog Bella.

• University of Cincinnati, B.B.A. Operations Management

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Brian has a dual role at FTB – first as a Wealth Strategy Associate working closely with families, and second as a valued member of the team’s investment strategy committee. Brian’s favorite part of his job is seeing the positive difference he can help families make in their lives. In contrast to large institutions where he began his career, Brian appreciates fostering close relationships with both clients and his teammates and finds it rewarding when they succeed.

Brian graduated Cum Laude from Miami University, and holds the Chartered Financial Analyst (CFA®) designation, which is considered the highest distinction in the investment management profession according to the CFA institute.

Brian gained valuable expertise through his eight years of experience in the financial industry. He began his career in PNC’s Institutional Asset Management division, where he focused on investment strategy for endowments, foundations, and corporate pension plans. Before joining FTB, he was a part of the investment strategy team, with a specialization on private market investments, at Madison Wealth Management. He joined the FTB Financial Services team in 2022.

Outside of the office Brian enjoys playing golf and spending time with his Australian Shephard, Brewer. Among various genres he listens to, he particularly likes classic rock and a bit of country. If Brian wasn’t in the financial industry, he would be coaching baseball.

• Miami University, B.S. Finance

• Chartered Financial Analyst®

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Andrew is a Private Wealth Advisor in the UBS International Division based out of New York, NY. The FTB team partners with Andrew to provide investment services for clients outside of the U.S.

Andrew has been in the financial services industry since 1999. He joined UBS in 2014 after a 15-year career at JPMorgan Private Bank in New York City. In his role as an International Private Wealth Advisor, Andrew strives to establish enduring relationships and deliver comprehensive wealth management with a focus on portfolio constructions, portfolio management, tactical trading, and estate planning.

Andrew has a B.S. in Accounting from Binghampton University and a Master’s in Wealth Management at Columbia University.

• Barron’s Top 250 Private Wealth Management Teams, 2025The Barron's rating is awarded annually in May based on information from the prior year Q4.
• Forbes Best-in-State Wealth Advisors, 2022, 2023, 2024, 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.
• UBS Wealth Management President’s Council, 2024UBS Financial Services Inc. Councils are a distinction held by UBS Financial Advisors based on criteria including evaluation of compliance with firm rules, standards & policies and revenue. Council membership is not representative of any one client's experience and is not indicative of the advisor’s future performance.

• International Private Wealth Advisor

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Cathy wears several hats on the FTB team. First, she works closely with a handful of clients as an Associate, developing relationships with families as she helps them work toward their goals. As the team’s marketing lead, she helps P&Gers understand the value working with a team like FTB can bring to their lives and ensures all team communication and events are executed at a high quality. Finally, Cathy serves as the team’s business manager, partnering with teammates internally to implement new strategies and foster innovation. She enjoys digging into data to gain insights that help inform the team’s priorities.

Her favorite part of the industry is that it is not static. There is always something to learn, ways to grow, and initiatives to pursue. In January 2022, Cathy was voted as FTB’s “impact player of the year,” an annual award given to one FTB team member who has made an impact on the business and exemplifies the team’s core values: work ethic, integrity, service, and humility. Co-workers describe Cathy as insightful, collaborative, positive, tech-savvy and always willing lend a hand.

Cathy has a background in art, non-profit and higher education administration. She has an Master of Business Administration (MBA) and Marketing Graduate Certificate from the University of Cincinnati, a Bachelor of Fine Arts from the Art Academy of Cincinnati and has completed the Series 7 and 66. She will begin coursework for the Certified Financial Planner designation (CFP) in late 2024. 

When she’s not in the office, Cathy enjoys going to art fairs or the theater with her teenage daughter and supporting her favorite sport teams -  FC Cincinnati Soccer and Xavier basketball.

• Art Academy of Cincinnati, B.F.A. Fine Art
• University of Cincinnati, M.B.A.

• Business Manager

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Joe is a Wealth Strategy Associate, working with clients who have complex or tax-sensitive financial planning needs. Building on his 6 years of experience advising clients at EY, he also serves as a thought leader for FTB’s tax-related strategies, including cash flow analysis and complex estate and tax planning situations. Joe is a licensed CPA and is currently working towards obtaining his CFP designation.

Since joining the team in 2023, Joe has become an important part of the fabric of FTB. He values being a part of a diverse team, combining his talents with the deep knowledge and vast experience of his FTB colleagues in order to deliver top tier advice for our clients.  

Joe is a graduate of Moeller and Miami University, where is majored in accounting and minored in Business Law. Now, he lives in Oakley with his wife, dog, and his son (the newest addition to his family!) In his free time, Joe enjoys running, golfing, sand volleyball, and playing the guitar and banjo.

In the community, Joe is on the Board of Cincinnati Works Young Professionals, an organization dedicated to ending poverty by promoting financial literacy.

• Miami University, B.S. Accounting

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John considers the most rewarding part of his career to be helping families navigate their transition to a successful retirement. He helps them work towards their goals through comprehensive financial planning and wealth management. As a CERTIFIED FINANCIAL PLANNER John has a families best interest in mind. 

John has a business degree from Miami University, Oxford. Prior to joining UBS John was a financial advisor and vice president with Merrill Lynch and has over twenty three years of experience in the financial services industry.

Co-workers describe John as thoughtful, genuine, and driven. When he’s not in the office, John enjoys gardening and golf. He and his family live in Clifton’s Gaslight District with their Labrador retriever, Hero.

John is also passionate about fundraising and has led efforts to provide over $150,000 to beneficiaries such as Cincinnati Parks (Burnet Woods), Walnut Hills High School, the Good Samaritan Cancer Center and Keep Cincinnati Beautiful.

• Miami University, B.S. Business

• CERTIFIED FINANCIAL PLANNER®
• Chartered Retirement Plans Specialist℠

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Kelly began her career as a paralegal at Greenebaum, Doll & McDonald law firm, gaining rich experience in estate planning and administration. There, she was able to hone and refine her talents, but had a desire to work more closely with families in all aspects of their financial life. In 2001, she courageously made a career change and began as a new advisor trainee with UBS. Not for the faint of heart, Kelly thrived in her new environment, quickly gaining respect, trust, and confidence of clients and experienced advisors alike. She quickly found a home FTB Financial Services as an associate advisor, working closely with families and developing those deep connections she had longed for.

Today, Kelly is a primary advisor and one of the leaders of our team. In addition to working closely with client families, Kelly is a thought leader on the team in the area of trust and estate planning. Kelly puts her heart into everything she does, especially when it comes to helping FTB families. She brings positive energy to the office every day – you can often hear her singing softly to herself as she works.

Kelly is very active in the community, spending much of her free time helping others. She is Past President and currently serves on the Prokids Board of Trustees. She is a board member of ArtsWave and Artswave Women's Leadership Roundtable. Additionally, she is actively involved in local charity FOATY (From Our Angels to Yours).

In 2024, Kelly was recognized as a YWCA Career Woman of the Year. She was also recognized as Outstanding Director of the Year - Nonprofits for her work as ProKids Board president in 2015.

Outside of the office, Kelly enjoys spending time with her husband, Bill, cheering on local sports teams, and engaging in all that Cincinnati has to offer with her close-knit circle of family and friends.

• Barron’s Top 250 Private Wealth Management Teams, 2024The Barron's rating is awarded annually in May based on information from the prior year Q4.
• Forbes America’s Top Wealth Management Teams (Private Wealth & High-Net Worth), 2022, 2023, 2024The Forbes rating is compiled by Shook Research and awarded annually in November based on information from a 12 month period ending in March of the award year.
• Forbes America’s Top Women Wealth Advisors, 2020, 2021The Forbes rating is compiled by Shook Research and awarded annually in February based on information from a 12 month period ending September of the prior year.
• Forbes Best-in-State Wealth Advisors, 2022, 2023, 2024, 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.
• Forbes Top Women Wealth Advisors Best-in-State, 2022, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in February based on information from a 12 month period ending September of the prior year.

• Mt. St. Joseph University

• CERTIFIED FINANCIAL PLANNER®

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Ethan is a people person. He enjoys developing relationships with clients he serves, and is an eager servant and supporter for his teammates on the FTB team.  He truly cares about making positive impact in the lives of others. As part of the execution team at FTB, Ethan is tasked with mastering our FGA tools to help all of our Advisors and Associates provide best-in-class financial planning for all clients.

Ethan began his career at FTB as an intern while completing a Bachelor of Science in Finance degree at Xavier University. He quickly proved himself to be an invaluable member of the team and was invited to join the team full time upon graduation in 2023. During his studies at Xavier, he was an athlete on the Xavier Men’s Swimming Team and managed Xavier’s $5M student-led D’Artagnan Capital Fund.

In 2024, Ethan successfully passed the CFP test and is currently spending the next year fulfilling the experience requirement before fully earning the designation.

A native of Valparaiso, IN, Ethan currently lives in Oakley. When he isn’t in the office, he can be found swimming, golfing, or traveling. He has also found an interest in cooking and keeps a list of recipes he finds online to try. Ethan also enjoys reading spy fiction and playing with his Yellow Lab, Ripple.

An advocate for financial education, Ethan regularly volunteers with Junior Achievement, teaching grade school children about financial literacy.

• Xavier University, B.S. Finance

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Mary Ann specializes in client support for the team. She has been with UBS since the start of her career in financial services in 1999. She attended Northern Kentucky University and holds her Series 7 and 66 securities licenses. Mary Ann enjoys traveling and camping with her husband, Ted and their two sons; Teddy and Michael.