Plan. Invest. Pursue what matters.

To the Honaker Hayes Wealth Management Group, there’s nothing more important than choosing the right financial advisors to help guide you and your family confidently toward your future. Because we are a multigenerational team, each of us brings a perspective to your financial world, and an understanding of how priorities shift with time and age.

We are also experienced Financial Advisors who understand how to invest in the markets to help you pursue the goals that matter—from funding your retirement to seeking to protect and passing on your estate. Most important, we are caring relationship builders who have done our homework and put your best interests first. We want to help you enjoy your wealth today—and for generations to come.

Start the conversation

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.

Randy Honaker

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- DC
- FL
- GA
- IL
- IN
- KS
- KY
- MA
- MD
- ME
- MI
- MS
- NC
- NH
- NM
- NY
- OH
- PA
- SC
- SD
- TN
- TX
- VA
- WI
- WV
Randy joined the industry in 1980 and for over 40 years has helped clients manage their wealth throughout good times and bad. He joined UBS in 2014 after 33 years with Merrill Lynch. Randy is part of a select group of financial advisors at UBS that have shown great success and expertise in serving the distinguished and sophisticated affluent client segment and is currently an approved portfolio manager for key local foundations

Randy graduated from Marshall University with a degree in Business Administration. He is active with his church and is an avid fly fisherman. He lives in Washington Township with his wife, Candice.
- Forbes Best-in-State Wealth Advisors, 2018, 2019, 2020, 2021, 2022, 2023, 2024The 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.
3601 Rigby Road
Suite 500
Miamisburg, OH 45342
Lawrence Hayes

Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AZ
- CA
- CO
- FL
- GA
- IL
- IN
- KS
- KY
- MD
- MI
- MS
- NC
- NY
- OH
- PA
- SC
- SD
- TN
- TX
- VA
- WV
Larry joined UBS in 2009 and has been a Financial Advisor since 1972. In addition to his many years as a Financial Advisor he was the Resident Branch Manager of Shearson/Smith Barney from 1984 through 1993 and formed his own independent brokerage firm in Oakwood, Ohio. Larry is an active member of the community, serving on many committees and boards. He is currently a Director of the Western Golf Association and serves on the Board of Governors at Moraine Country Club in Dayton, Ohio. He heads up the Dayton Chapter of the Chick Evans Scholarship Program helping caddies receive college scholarships. Moraine's caddy programs have awarded over $3,000,000 in college scholarships since 2001.
- Nominated for Registered Representative's Top 20 Brokers in the Country, 1980
- Founded International Chapter of Financial Planners of Dayton Ohio, 1981
- Branch Manager Council, Smith Barney, 1985-1991
- University of Dayton, President's Club & Leo Meyer Society
- Coordinator American Express Scholarship, University of Dayton
- University of Dayton Athletic Board-1999-2005
- Chick Evans Scholarship Committee, 1993- Present
- Co-Founded Moraine Caddy Scholarship Fund, President 2001, Trustee through 2012
- College Promise Mentor-Sinclair Community College, 2012- Present
Larry graduated from the University of Dayton with a Bachelor of Arts in economics. He enjoys golf, sports, charitable gifting and travel.

His tagline motto: "Premier Investment Advice at a reasonable price"
- 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.
3601 Rigby Road
Miamisburg, OH 45342
Randale Honaker, CFP, CIMA, CEPA

First Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- DC
- FL
- GA
- IL
- IN
- KY
- MA
- MD
- ME
- MI
- MS
- MT
- NC
- NH
- NM
- NY
- OH
- PA
- SC
- TN
- TX
- VA
- VI
- WI
- WV
Randale joined UBS in 2014 and specializes in custom financial planning. Randale is a CERTIFIED FINANCIAL PLANNER™ professional, the industry standard for excellence in financial planning. He has also earned the Certified Investment Management Analyst designation, representing the highest level of credibility, integrity and investment consulting knowledge.

Prior to becoming a financial advisor, Randale served 10 years in the Navy as a cryptologic officer, giving him a unique set of skills for making sense of the complex investing landscape and helping clients navigate through some of the most difficult situations in life. Randale holds Masters degrees in computer science and applied mathematics and received a Bachelor of Science in mathematics from Miami University with a minor in finance. He is an active member of Washington Heights Baptist Church and the Oakwood Rotary, serves on the Board of Trustees for Wright Memorial Public Library, and resides in Oakwood with his wife, Amy and their four children.
- 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.
- Certified Exit Planning Advisor
- Certified Investment Management Analyst®
- CERTIFIED FINANCIAL PLANNER™
3601 Rigby Road
Miamisburg, OH 45342
Austin Ladd

Client Associate
View bio
Austin joined our team in 2023 from Williamsburg, Virginia, where he worked as an Investment Associate for a Portfolio Manager. In that position he obtained his Series 65 license and passed the first level of the CFA. Austin is originally from Pickerington, Ohio, a suburb of Columbus and attended Ohio University. At OU he earned two bachelor's degrees, one in Business Administration and the other in Sports Management. Austin returned to his home state of Ohio to be closer to family. He currently resides in Beavercreek with his wife Natasha, their son, and two dogs.
3601 Rigby Road
Miamisburg, OH 45342
Kitty Kakas

Senior Client Associate
View bio
- AZ
- CO
- FL
- GA
- IL
- IN
- MI
- NC
- NY
- OH
- SC
- TX
Kitty has worked in the industry for over 30 years and has worked with Larry Hayes for most of those 30 years. Kitty helps with account opening, customer service and placing orders. She is a life long resident of Miamisburg and enjoys being with her children and grandchildren.
3601 Rigby Road
Miamisburg, OH 45342
Nicole Culbertson

Client Associate
View bio
Nicole joined our team in 2009 and has worked in the industry since 2000. She coordinates client meetings, handles account openings and customer service. In her free time, Nicole enjoys spending time with her husband and two children.
3601 Rigby Road
Miamisburg, OH 45342

Randy Honaker

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- DC
- FL
- GA
- IL
- IN
- KS
- KY
- MA
- MD
- ME
- MI
- MS
- NC
- NH
- NM
- NY
- OH
- PA
- SC
- SD
- TN
- TX
- VA
- WI
- WV
Randy joined the industry in 1980 and for over 40 years has helped clients manage their wealth throughout good times and bad. He joined UBS in 2014 after 33 years with Merrill Lynch. Randy is part of a select group of financial advisors at UBS that have shown great success and expertise in serving the distinguished and sophisticated affluent client segment and is currently an approved portfolio manager for key local foundations

Randy graduated from Marshall University with a degree in Business Administration. He is active with his church and is an avid fly fisherman. He lives in Washington Township with his wife, Candice.
- Forbes Best-in-State Wealth Advisors, 2018, 2019, 2020, 2021, 2022, 2023, 2024The 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.
3601 Rigby Road
Suite 500
Miamisburg, OH 45342
Lawrence Hayes

Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AZ
- CA
- CO
- FL
- GA
- IL
- IN
- KS
- KY
- MD
- MI
- MS
- NC
- NY
- OH
- PA
- SC
- SD
- TN
- TX
- VA
- WV
Larry joined UBS in 2009 and has been a Financial Advisor since 1972. In addition to his many years as a Financial Advisor he was the Resident Branch Manager of Shearson/Smith Barney from 1984 through 1993 and formed his own independent brokerage firm in Oakwood, Ohio. Larry is an active member of the community, serving on many committees and boards. He is currently a Director of the Western Golf Association and serves on the Board of Governors at Moraine Country Club in Dayton, Ohio. He heads up the Dayton Chapter of the Chick Evans Scholarship Program helping caddies receive college scholarships. Moraine's caddy programs have awarded over $3,000,000 in college scholarships since 2001.
- Nominated for Registered Representative's Top 20 Brokers in the Country, 1980
- Founded International Chapter of Financial Planners of Dayton Ohio, 1981
- Branch Manager Council, Smith Barney, 1985-1991
- University of Dayton, President's Club & Leo Meyer Society
- Coordinator American Express Scholarship, University of Dayton
- University of Dayton Athletic Board-1999-2005
- Chick Evans Scholarship Committee, 1993- Present
- Co-Founded Moraine Caddy Scholarship Fund, President 2001, Trustee through 2012
- College Promise Mentor-Sinclair Community College, 2012- Present
Larry graduated from the University of Dayton with a Bachelor of Arts in economics. He enjoys golf, sports, charitable gifting and travel.

His tagline motto: "Premier Investment Advice at a reasonable price"
- 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.
3601 Rigby Road
Miamisburg, OH 45342
Randale Honaker, CFP, CIMA, CEPA

First Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- DC
- FL
- GA
- IL
- IN
- KY
- MA
- MD
- ME
- MI
- MS
- MT
- NC
- NH
- NM
- NY
- OH
- PA
- SC
- TN
- TX
- VA
- VI
- WI
- WV
Randale joined UBS in 2014 and specializes in custom financial planning. Randale is a CERTIFIED FINANCIAL PLANNER™ professional, the industry standard for excellence in financial planning. He has also earned the Certified Investment Management Analyst designation, representing the highest level of credibility, integrity and investment consulting knowledge.

Prior to becoming a financial advisor, Randale served 10 years in the Navy as a cryptologic officer, giving him a unique set of skills for making sense of the complex investing landscape and helping clients navigate through some of the most difficult situations in life. Randale holds Masters degrees in computer science and applied mathematics and received a Bachelor of Science in mathematics from Miami University with a minor in finance. He is an active member of Washington Heights Baptist Church and the Oakwood Rotary, serves on the Board of Trustees for Wright Memorial Public Library, and resides in Oakwood with his wife, Amy and their four children.
- 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.
- Certified Exit Planning Advisor
- Certified Investment Management Analyst®
- CERTIFIED FINANCIAL PLANNER™
3601 Rigby Road
Miamisburg, OH 45342
Austin Ladd

Client Associate
View bio
Austin joined our team in 2023 from Williamsburg, Virginia, where he worked as an Investment Associate for a Portfolio Manager. In that position he obtained his Series 65 license and passed the first level of the CFA. Austin is originally from Pickerington, Ohio, a suburb of Columbus and attended Ohio University. At OU he earned two bachelor's degrees, one in Business Administration and the other in Sports Management. Austin returned to his home state of Ohio to be closer to family. He currently resides in Beavercreek with his wife Natasha, their son, and two dogs.
3601 Rigby Road
Miamisburg, OH 45342
Kitty Kakas

Senior Client Associate
View bio
- AZ
- CO
- FL
- GA
- IL
- IN
- MI
- NC
- NY
- OH
- SC
- TX
Kitty has worked in the industry for over 30 years and has worked with Larry Hayes for most of those 30 years. Kitty helps with account opening, customer service and placing orders. She is a life long resident of Miamisburg and enjoys being with her children and grandchildren.
3601 Rigby Road
Miamisburg, OH 45342
Nicole Culbertson

Client Associate
View bio
Nicole joined our team in 2009 and has worked in the industry since 2000. She coordinates client meetings, handles account openings and customer service. In her free time, Nicole enjoys spending time with her husband and two children.
3601 Rigby Road
Miamisburg, OH 45342

ElectionWatch: The race, world, and investments

Disciplined portfolio management

Focused on trends, sectors and markets worldwide

Our portfolio management approach we call “active indexing,” helps us manage fees, risk and execute the right strategy for pursuing your goals.

How our active indexing strategy works

Many portfolio strategies are structured using an asset allocation strategy that regularly rebalances. This investment strategy works for some, but it’s not for everyone.
Our team takes an extra step. We create a “tactical asset allocation,” which is based on the valuation of the markets and sectors in which you are invested, not specific securities. We identify trends in sectors and the overall market worldwide.
For example, if you invested heavily in stocks, you might reduce that position when other securities, such as bonds, are poised to outperform stocks.
Our tactical asset allocation will over or under weight risk assets in response to market momentum, valuation, and the overall direction of the economy.
We actively monitor investment portfolios on a daily basis and make adjustments to help ensure we’re tracking toward your goals.
Though we are mindful of the past, our focus is on the present and the future.

About the PMP Program: PMP is a wrap fee advisory program in which our Financial Advisors manage client accounts on a discretionary basis. PMP is designed for clients who (i) want to delegate portfolio management discretion to their Financial Advisor; (ii) are looking to implement a medium to long-term investment plan; and (iii) prefer the consistency of fee-based pricing.

PMP is not appropriate for clients who: (i) want to maintain trading control over their account; (ii) seek a short-term investment; (iii) want to maintain consistently high levels of cash, money market funds, or invest primarily in no-load mutual funds; (iv) want to maintain highly concentrated positions that will not be sold regardless of market conditions; or (v) who anticipate significant withdrawals from the account.

Mutual funds and exchange traded funds are sold by prospectus. For more complete information about a fund, including the investment objectives, charges, expenses and risk factors, contact your Financial Advisor for a free prospectus. The prospectus contains this and other important information that you should read carefully before investing. Investors should be aware that the value of mutual funds and exchange traded funds changes from day to day. Therefore, an investment’s return and principal value will fluctuate so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. ETFs seek investment results that, before expenses, generally correspond to the price and yield of a particular index. There is no assurance that the price and yield performance of the index can be fully matched. ETFs are subject to tracking error and may be unable to sell poorly performing stocks that are included in their index. ETFs may trade in the secondary market at prices below the value of their underlying portfolios and may not be liquid.The strategy involves investments in mutual funds, exchange traded funds and other pooled investment vehicles which carry internal management and administrative expenses borne by shareholders. Those fees are in addition to the advisory fee you pay for the Portfolio Management Program. Program fees will not be reduced or offset by these fees. These additional fees will reduce the overall return of your account. You may be able to purchase those securities directly in the open market without incurring the program fee. Please review the applicable prospectus and offering documents carefully for a detailed description of the additional fees associated with these securities.

Diversification does not assure a profit or guarantee against loss in declining markets. Asset Allocation does not guarantee a profit or protect against loss in a declining financial market. Past performance does not guarantee future results and current performance may be lower or higher than past performance data presented.

For index definitions, please visit our web site at ubs.com/indexdefinitions.

Our investment in relationships

Striving to do what’s best for you

Our team is dedicated to helping you make informed, confident decisions about planning and investing. But our relationships go beyond your financial life.

Here’s what you can expect from your relationship with us:

Caring. Our advice is not just about finances. It’s about you and helping make your life better.
Communication. Through regular calls and reviews, we all work together to keep you informed. We get you the answers you need when you need them.
Collaboration. with other key advisors or colleagues helps us deliver an integrated plan
Core values. Faith, integrity, passion, knowledge and integrity support us in everything we do on your behalf.

Managing wealth is our craft

We’re committed to understanding what wealth means for you.

At UBS, excellence comes from nurturing the best of our heritage, mastering the details and delivering the expertise you need to turn your financial vision into a reality. The result? Financial advice that is finely crafted for what matters most to you.

Backed by the strength of UBS

A global leader in wealth management

^$5+ trillion

In invested assets globally
As of 11/07/2023

51 countries

Our global footprint

Global leader

UBS is a world-leading wealth manager

Plan. Invest. Pursue what matters.

Pursuing your goals together

Randy Honaker

Lawrence Hayes

Randale Honaker, CFP, CIMA, CEPA

Austin Ladd

Kitty Kakas

Nicole Culbertson