Financial planning tailored to your goals

By understanding what’s most important to you, we can organize your financial life to help make sure your short-term needs don't cloud your long-term goals. We provide a structure so you clearly understand where your money is, and why. The plan we create together can help you stay focused at each stage of life, today, tomorrow and for future generations.

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Pursuing your goals together

Our mission is to provide quality strategies customized to your needs. Our goal is to be your primary source of financial advice. To this end, we concentrate our efforts on developing long-term relationships through a commitment to quality client service.

Bonnie Gibbs, CFP®, CIMA®, CDFA

Senior Vice President–Wealth Management

CERTIFIED FINANCIAL PLANNER®
View bio Industry recognition
- AR
- AZ
- CA
- CO
- DC
- FL
- GA
- ID
- IL
- IN
- KS
- LA
- MA
- ME
- MN
- MO
- NC
- NE
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- TX
- UT
- WA
- WY
- Forbes Best-in-State Wealth Management Teams, 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, 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.
- CERTIFIED FINANCIAL PLANNER®
- Certified Investment Management Analyst®
- Certified Divorce Financial Analyst
Financial planning

Education planning

Long-term care planning

Legacy planning

Investing

Custom portfolios

Women investors

Entrepreneurs

4600 South Ulster Street
Suite 700
Denver, CO 80237

bonnie.gibbs@ubs.com

Bonnie Gibbs, CFP®, CIMA®, CDFA

4600 South Ulster Street,Denver,CO,80237
Michael Cates CFP®

Financial Advisor

CERTIFIED FINANCIAL PLANNER®
View bio Industry recognition
- AR
- AZ
- CA
- CO
- DC
- FL
- GA
- ID
- MD
- ME
- MI
- MO
- NC
- NJ
- NV
- NY
- OH
- OR
- TX
- VA
- WY
As a CERTIFIED FINANCIAL PLANNER TM, I help individuals, families, and business owners plan and invest with purpose by:

-Facilitating in-depth financial discovery meetings to establish short and long-term goals

-Tailoring personalized financial plans and investment strategies

-Providing education about risk, opportunity, and cost effectiveness for various investing tools

-Providing thorough implementation, vigilance and regular communication

For individuals, I help with:

-Life changing events like family deaths or divorce

-Advanced cash flow analysis for estate planning and inheritance

-Philanthropic and charitable giving

For families, I help with:

-Next generation financial education

-Discussions around long held assets, estate planning efficiencies, and charitable gifting

-Transition of privately held business interests

-Establishing what is most important to a family and drafting a “legacy” statement

For business owners, I help with:

-Maximizing qualified savings accounts

-Determining the most desirable exit strategy

About me – I’m an avid angler, runner, hiker, and golfer. Additionally, I’m very passionate about volunteering with my local Kiwanis Club. I also love traveling, and going on adventures with my Australian Shepherd - Hank.

CA Insurance 0M51352
- Forbes Best-in-State Wealth Management Teams, 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 Colorado Boulder, Biochemistry major with minors in business and chemistry
- CERTIFIED FINANCIAL PLANNER®
- Certified Exit Planning Advisor
Financial planning

Business succession

Lending services

Multi-generational families

Business owners

Professionals

Financial Services professionals

Family Offices

4600 South Ulster Street
Suite 700
Denver, CO 80237

michael.cates@ubs.com

Michael Cates CFP®

4600 South Ulster Street,Denver,CO,80237
Lara Hoepner

Senior Client Associate
View bio
Lara has been with UBS since 2021 and strives to make clients feel welcome, comfortable and heard. As a Client Service Associate, she is responsible for client account administration, delegating daily workflow, and client relationship management. Lara has a Bachelor of Arts degree in Communications from Northern Illinois University. She lives in Sedalia, Colorado and in her free time she enjoys spending time with her family, cooking, listening to live music, and enjoying the outdoors.
4600 South Ulster Street
Suite 700
Denver, CO 80237

lara.hoepner@ubs.com

Lara Hoepner

4600 South Ulster Street,Denver,CO,80237

Bonnie Gibbs, CFP®, CIMA®, CDFA

Senior Vice President–Wealth Management

CERTIFIED FINANCIAL PLANNER®
View bio Industry recognition
- AR
- AZ
- CA
- CO
- DC
- FL
- GA
- ID
- IL
- IN
- KS
- LA
- MA
- ME
- MN
- MO
- NC
- NE
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- TX
- UT
- WA
- WY
- Forbes Best-in-State Wealth Management Teams, 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, 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.
- CERTIFIED FINANCIAL PLANNER®
- Certified Investment Management Analyst®
- Certified Divorce Financial Analyst
Financial planning

Education planning

Long-term care planning

Legacy planning

Investing

Custom portfolios

Women investors

Entrepreneurs

4600 South Ulster Street
Suite 700
Denver, CO 80237

bonnie.gibbs@ubs.com

Bonnie Gibbs, CFP®, CIMA®, CDFA

4600 South Ulster Street,Denver,CO,80237
Michael Cates CFP®

Financial Advisor

CERTIFIED FINANCIAL PLANNER®
View bio Industry recognition
- AR
- AZ
- CA
- CO
- DC
- FL
- GA
- ID
- MD
- ME
- MI
- MO
- NC
- NJ
- NV
- NY
- OH
- OR
- TX
- VA
- WY
As a CERTIFIED FINANCIAL PLANNER TM, I help individuals, families, and business owners plan and invest with purpose by:

-Facilitating in-depth financial discovery meetings to establish short and long-term goals

-Tailoring personalized financial plans and investment strategies

-Providing education about risk, opportunity, and cost effectiveness for various investing tools

-Providing thorough implementation, vigilance and regular communication

For individuals, I help with:

-Life changing events like family deaths or divorce

-Advanced cash flow analysis for estate planning and inheritance

-Philanthropic and charitable giving

For families, I help with:

-Next generation financial education

-Discussions around long held assets, estate planning efficiencies, and charitable gifting

-Transition of privately held business interests

-Establishing what is most important to a family and drafting a “legacy” statement

For business owners, I help with:

-Maximizing qualified savings accounts

-Determining the most desirable exit strategy

About me – I’m an avid angler, runner, hiker, and golfer. Additionally, I’m very passionate about volunteering with my local Kiwanis Club. I also love traveling, and going on adventures with my Australian Shepherd - Hank.

CA Insurance 0M51352
- Forbes Best-in-State Wealth Management Teams, 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 Colorado Boulder, Biochemistry major with minors in business and chemistry
- CERTIFIED FINANCIAL PLANNER®
- Certified Exit Planning Advisor
Financial planning

Business succession

Lending services

Multi-generational families

Business owners

Professionals

Financial Services professionals

Family Offices

4600 South Ulster Street
Suite 700
Denver, CO 80237

michael.cates@ubs.com

Michael Cates CFP®

4600 South Ulster Street,Denver,CO,80237
Lara Hoepner

Senior Client Associate
View bio
Lara has been with UBS since 2021 and strives to make clients feel welcome, comfortable and heard. As a Client Service Associate, she is responsible for client account administration, delegating daily workflow, and client relationship management. Lara has a Bachelor of Arts degree in Communications from Northern Illinois University. She lives in Sedalia, Colorado and in her free time she enjoys spending time with her family, cooking, listening to live music, and enjoying the outdoors.
4600 South Ulster Street
Suite 700
Denver, CO 80237

lara.hoepner@ubs.com

Lara Hoepner

4600 South Ulster Street,Denver,CO,80237

Defining your priorities. Pursuing what matters.

Our experience and structured planning process drives a comprehensive financial plan and customized investment strategies. Depending on where you are in your life and the priorities that matter most, our planning conversations may focus on liquidity management, your cash flow needs, asset replacement solutions such as insurance, estate planning strategies, or tax and legal structures such as trusts and philanthropic vehicles.

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.}

Helping women take charge

Advice for business owners & entrepreneurs

Women, wealth and well-being

The challenges women breadwinners face embracing their financial clout

Women are contributing more to their families’ incomes than ever before. Yet many remain less engaged than men in decision-making about the money they’ve earned. Why?

We believe financial participation, comprehensive planning and the support of financial professionals can help correct this imbalance. See how in our latest Own your worth report, “Tradition, trust and time: The challenges women breadwinners face embracing their financial clout.”

Download the report

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

Financial planning tailored to your goals

Pursuing your goals together

Bonnie Gibbs, CFP®, CIMA®, CDFA

Michael Cates CFP®

Lara Hoepner