Let's move forward. Together.

Where are you today and where do you want to be tomorrow? We recognize that a lasting relationship starts by listening and understanding your priorities and concerns. We'll work together to look at the big picture, discuss your vision for the future and help you confidently pursue your life goals.

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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.

Ronald Giancristofaro

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- NC
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WV
- WY
Ron has provided high net worth individuals and institutions with investment advice and services for over 20 years, focusing on asset allocation strategies that emphasize municipal fixed income instruments. “We are deeply invested in understanding the needs and objectives of our clients and go to great lengths to provide in-depth, customized plans. We diligently monitor portfolio allocation over time to ensure it remains true to its mission and consistent with the clients’ vision of financial success.”

Ron is equipped to offer a holistic wealth management experience as clients transition through critical junctures in their lives. Ron has a PMP certification, life and health insurance licenses and his Series 7 and 63 securities license. He uses these tools as a resource to clients. Ron has been recognized on Forbes Best-in-State Wealth Advisors in 2020 and 2021. Ron graduated with a degree in finance from Boston College and lives with his wife and three children in New Jersey.
- 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, 2025
  The Barron's rating is awarded annually in March and is based on information from the prior year Q3.
- 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.
- UBS Wealth Management Chairman’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.
299 Park Avenue
New York, NY 10017

ronald.giancristofaro@ubs.com

Ronald Giancristofaro

299 Park Avenue,New York,NY,10017
Charles Smithers

Senior Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IA
- IL
- IN
- KS
- LA
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VI
- VT
- WA
- WI
- WV
- WY
Chuck has been working at UBS since 1978 and joins four previous generations in the securities business. F.S. Smithers was acquired by PaineWebber in 1973 and, in turn, PaineWebber was acquired by UBS in 2000.

Chuck’s concentration is in the equities markets, where he applies classical economic theory and hard-money monetary principles in the oversight of client portfolios. Chuck has a strong discipline when managing client accounts that differentiates him from other advisors. Seeing many market cycles, Chuck has the experience to navigate and position your portfolio to ensure that your money is efficiently invested.

A Hobart College graduate, Chuck enjoys golf, flat-water fishing and coaching high school lacrosse. He holds the Series 3, 7 and 63 securities licenses.
- 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.
Home Worker FL
Home Worker FL, FL 000

charles.smithersiii@ubs.com

Charles Smithers

Home Worker FL,Home Worker FL,FL,000
Michael Chandiramani

Senior Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WV
- WY
Michael began his financial career as a foreign currency trader specializing in Asian markets. He specializes in portfolio management, wealth transfer strategies and financial planning. Along with the team, Michael is fully equipped to provide specialized solutions to a multigenerational clientele of affluent families and business owners.

He utilizes several equity, exchange traded and mutual fund models to optimize portfolios of his clients. Along with a thorough understanding of his clients needs, Michael efficiently and effectively tailors a solution for each client to accomplish their goals.

Michael is FINRA-registered and hold Series 3, 7, and 66 securities licenses as well as licenses for life, accident and health insurance and variable annuities. Michael is originally from Naples, Florida and received his degree in Finance from the University of Central Florida.
- Forbes Best-in-State Wealth Advisors, 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 Next-Gen (Generation) Wealth Advisors Best-in-State, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in August based on information from a 12 month period ending in March of the award year.
- UBS Wealth Management Director’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.
299 Park Avenue
New York, NY 10017

michael.chandiramani@ubs.com

Michael Chandiramani

299 Park Avenue,New York,NY,10017
Michael Visciano

Financial Advisor
View bio
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- NC
- NH
- NJ
- NM
- NV
- NY
- OR
- PA
- RI
- SC
- TN
- TX
- VA
- VT
- WA
- WI
- WV
- WY
Michael is a Financial Advisor with the HSG Wealth Management Team, where he leverages his extensive knowledge to provide comprehensive wealth management solutions. In his role, he works diligently with multi-generational clients to offer personalized guidance to navigate complex financial landscapes. Whether its planning for retirement or ensuring wealth preservation for future generations, Michael crafts tailored strategies to align with each client’s unique goals. His proactive approach and commitment to building long-term relationships empower families to achieve financial growth and security across generations.

Michael graduated from Fordham University with a degree in Economics, giving him a strong foundation in market trends and investment strategies. A native New Yorker, Michael currently resides in Staten Island with his wife. Outside of work, Michael’s passion for classic cars fuels his hands-on restoration projects, showcasing his dedication to precision and appreciation for legacy.
299 Park Avenue
New York, NY 10017

michael.visciano@ubs.com

Michael Visciano

299 Park Avenue,New York,NY,10017
Richard Vinci

Associate Director

Senior Wealth Strategy Associate
View bio
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- MA
- MD
- ME
- MI
- NC
- NH
- NJ
- NM
- NV
- NY
- OR
- PA
- RI
- SC
- TN
- TX
- VA
- VT
- WA
- WV
Richard is a Senior Wealth Strategy Associate and has over 17 years of experience within the financial services industry. Rich started his career at Merrill Lynch after attending Dickinson College and subsequently joined PaineWebber in 1996. Prior to joining the team he was a member of the branch management team for two New York City offices within UBS Financial Services Inc. As a Certified Financial Planner professional, Rich works with high net worth clients and their families with a focus on financial planning, asset allocation and liability management.
299 Park Avenue
New York, NY 10017

richard.vinci@ubs.com

Richard Vinci

299 Park Avenue,New York,NY,10017
Johanna Delatorre-Finkelstein

Authorized Officer

Team Administrator
View bio
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- KS
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NM
- NY
- OH
- PA
- RI
- SC
- TN
- TX
- VA
- VT
- WA
- WV
- WY
Johanna’s career with UBS started in 1995 at PaineWebber Inc. She graduated From Queens College with majors in Economics and Anthropology. Johanna has worked with HSG principal member Charles Smithers for over 13 years. She is dedicated to excellent customer service and oversees all account administration and operational issues. Johanna is Series 7 and 63 registered. She and her husband have three children and live in Long Island, NY.
299 Park Avenue
New York, NY 10017

johanna.delatorre@ubs.com

Johanna Delatorre-Finkelstein

299 Park Avenue,New York,NY,10017

Natella Zabarskiy

Senior Registered Client Associate
View bio
- CA
- CO
- CT
- DC
- FL
- IL
- KY
- LA
- MA
- MD
- NC
- NH
- NJ
- NM
- NY
- PA
- SC
- TX
- VA
- VT
- WA
A Client Service Associate with a passion for service

With a passion for working with people, Natella focuses on all aspects of a client's needs and places exceptional service as her top priority. She is responsible for all day-to-day administrative duties and assisting with any client requests and queries.

Insight grounded in experience

Working in the financial services industry since 2000, Natella started her career as a sales assistant at Smith Barney working for the compliance manager, sales manager, and a Financial Advisor team. She joined UBS in 2009 and has been working as a Senior Client Service Associate ever since.

Credentials that build confidence

Natella maintains her series 7 and 63 securities licenses. She earned her B.S. in Information Technology and Finance from LIU.

Outside of UBS

In her free time, Natella enjoys reading, museums and art, and spending time with her family. Natella and her husband Vitaliy live in Morganville, New Jersey with their two children Isabelle and Shane.
299 Park Avenue
New York, NY 10017

natella.zabarskiy@ubs.com

Natella Zabarskiy

299 Park Avenue,New York,NY,10017
Cooper Hancock

Registered Client Associate
View bio
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- MA
- MD
- ME
- MI
- MS
- NC
- NH
- NJ
- NM
- NV
- NY
- PA
- RI
- SC
- TX
- UT
- VA
- VT
- WA
- WI
Cooper is a Registered Client Associate with a strong foundation in business and finance. He earned a degree in Economics from the University of the South in 2023 and joined HSG Wealth Management in December of the same year. In his role, Cooper specializes in relationship management, account operations, trade execution, and private banking services, ensuring exceptional client support and operational efficiency.
299 Park Avenue
New York, NY 10017

cooper.hancock@ubs.com

Cooper Hancock

299 Park Avenue,New York,NY,10017

Ronald Giancristofaro

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- NC
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WV
- WY
Ron has provided high net worth individuals and institutions with investment advice and services for over 20 years, focusing on asset allocation strategies that emphasize municipal fixed income instruments. “We are deeply invested in understanding the needs and objectives of our clients and go to great lengths to provide in-depth, customized plans. We diligently monitor portfolio allocation over time to ensure it remains true to its mission and consistent with the clients’ vision of financial success.”

Ron is equipped to offer a holistic wealth management experience as clients transition through critical junctures in their lives. Ron has a PMP certification, life and health insurance licenses and his Series 7 and 63 securities license. He uses these tools as a resource to clients. Ron has been recognized on Forbes Best-in-State Wealth Advisors in 2020 and 2021. Ron graduated with a degree in finance from Boston College and lives with his wife and three children in New Jersey.
- 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, 2025
  The Barron's rating is awarded annually in March and is based on information from the prior year Q3.
- 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.
- UBS Wealth Management Chairman’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.
299 Park Avenue
New York, NY 10017

ronald.giancristofaro@ubs.com

Ronald Giancristofaro

299 Park Avenue,New York,NY,10017
Charles Smithers

Senior Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IA
- IL
- IN
- KS
- LA
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VI
- VT
- WA
- WI
- WV
- WY
Chuck has been working at UBS since 1978 and joins four previous generations in the securities business. F.S. Smithers was acquired by PaineWebber in 1973 and, in turn, PaineWebber was acquired by UBS in 2000.

Chuck’s concentration is in the equities markets, where he applies classical economic theory and hard-money monetary principles in the oversight of client portfolios. Chuck has a strong discipline when managing client accounts that differentiates him from other advisors. Seeing many market cycles, Chuck has the experience to navigate and position your portfolio to ensure that your money is efficiently invested.

A Hobart College graduate, Chuck enjoys golf, flat-water fishing and coaching high school lacrosse. He holds the Series 3, 7 and 63 securities licenses.
- 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.
Home Worker FL
Home Worker FL, FL 000

charles.smithersiii@ubs.com

Charles Smithers

Home Worker FL,Home Worker FL,FL,000
Michael Chandiramani

Senior Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WV
- WY
Michael began his financial career as a foreign currency trader specializing in Asian markets. He specializes in portfolio management, wealth transfer strategies and financial planning. Along with the team, Michael is fully equipped to provide specialized solutions to a multigenerational clientele of affluent families and business owners.

He utilizes several equity, exchange traded and mutual fund models to optimize portfolios of his clients. Along with a thorough understanding of his clients needs, Michael efficiently and effectively tailors a solution for each client to accomplish their goals.

Michael is FINRA-registered and hold Series 3, 7, and 66 securities licenses as well as licenses for life, accident and health insurance and variable annuities. Michael is originally from Naples, Florida and received his degree in Finance from the University of Central Florida.
- Forbes Best-in-State Wealth Advisors, 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 Next-Gen (Generation) Wealth Advisors Best-in-State, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in August based on information from a 12 month period ending in March of the award year.
- UBS Wealth Management Director’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.
299 Park Avenue
New York, NY 10017

michael.chandiramani@ubs.com

Michael Chandiramani

299 Park Avenue,New York,NY,10017
Michael Visciano

Financial Advisor
View bio
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- NC
- NH
- NJ
- NM
- NV
- NY
- OR
- PA
- RI
- SC
- TN
- TX
- VA
- VT
- WA
- WI
- WV
- WY
Michael is a Financial Advisor with the HSG Wealth Management Team, where he leverages his extensive knowledge to provide comprehensive wealth management solutions. In his role, he works diligently with multi-generational clients to offer personalized guidance to navigate complex financial landscapes. Whether its planning for retirement or ensuring wealth preservation for future generations, Michael crafts tailored strategies to align with each client’s unique goals. His proactive approach and commitment to building long-term relationships empower families to achieve financial growth and security across generations.

Michael graduated from Fordham University with a degree in Economics, giving him a strong foundation in market trends and investment strategies. A native New Yorker, Michael currently resides in Staten Island with his wife. Outside of work, Michael’s passion for classic cars fuels his hands-on restoration projects, showcasing his dedication to precision and appreciation for legacy.
299 Park Avenue
New York, NY 10017

michael.visciano@ubs.com

Michael Visciano

299 Park Avenue,New York,NY,10017
Richard Vinci

Associate Director

Senior Wealth Strategy Associate
View bio
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- MA
- MD
- ME
- MI
- NC
- NH
- NJ
- NM
- NV
- NY
- OR
- PA
- RI
- SC
- TN
- TX
- VA
- VT
- WA
- WV
Richard is a Senior Wealth Strategy Associate and has over 17 years of experience within the financial services industry. Rich started his career at Merrill Lynch after attending Dickinson College and subsequently joined PaineWebber in 1996. Prior to joining the team he was a member of the branch management team for two New York City offices within UBS Financial Services Inc. As a Certified Financial Planner professional, Rich works with high net worth clients and their families with a focus on financial planning, asset allocation and liability management.
299 Park Avenue
New York, NY 10017

richard.vinci@ubs.com

Richard Vinci

299 Park Avenue,New York,NY,10017
Johanna Delatorre-Finkelstein

Authorized Officer

Team Administrator
View bio
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- KS
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NM
- NY
- OH
- PA
- RI
- SC
- TN
- TX
- VA
- VT
- WA
- WV
- WY
Johanna’s career with UBS started in 1995 at PaineWebber Inc. She graduated From Queens College with majors in Economics and Anthropology. Johanna has worked with HSG principal member Charles Smithers for over 13 years. She is dedicated to excellent customer service and oversees all account administration and operational issues. Johanna is Series 7 and 63 registered. She and her husband have three children and live in Long Island, NY.
299 Park Avenue
New York, NY 10017

johanna.delatorre@ubs.com

Johanna Delatorre-Finkelstein

299 Park Avenue,New York,NY,10017
Natella Zabarskiy

Senior Registered Client Associate
View bio
- CA
- CO
- CT
- DC
- FL
- IL
- KY
- LA
- MA
- MD
- NC
- NH
- NJ
- NM
- NY
- PA
- SC
- TX
- VA
- VT
- WA
A Client Service Associate with a passion for service

With a passion for working with people, Natella focuses on all aspects of a client's needs and places exceptional service as her top priority. She is responsible for all day-to-day administrative duties and assisting with any client requests and queries.

Insight grounded in experience

Working in the financial services industry since 2000, Natella started her career as a sales assistant at Smith Barney working for the compliance manager, sales manager, and a Financial Advisor team. She joined UBS in 2009 and has been working as a Senior Client Service Associate ever since.

Credentials that build confidence

Natella maintains her series 7 and 63 securities licenses. She earned her B.S. in Information Technology and Finance from LIU.

Outside of UBS

In her free time, Natella enjoys reading, museums and art, and spending time with her family. Natella and her husband Vitaliy live in Morganville, New Jersey with their two children Isabelle and Shane.
299 Park Avenue
New York, NY 10017

natella.zabarskiy@ubs.com

Natella Zabarskiy

299 Park Avenue,New York,NY,10017
Cooper Hancock

Registered Client Associate
View bio
- AL
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- MA
- MD
- ME
- MI
- MS
- NC
- NH
- NJ
- NM
- NV
- NY
- PA
- RI
- SC
- TX
- UT
- VA
- VT
- WA
- WI
Cooper is a Registered Client Associate with a strong foundation in business and finance. He earned a degree in Economics from the University of the South in 2023 and joined HSG Wealth Management in December of the same year. In his role, Cooper specializes in relationship management, account operations, trade execution, and private banking services, ensuring exceptional client support and operational efficiency.
299 Park Avenue
New York, NY 10017

cooper.hancock@ubs.com

Cooper Hancock

299 Park Avenue,New York,NY,10017

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.}

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A leading global wealth manager

Texas flood relief

Support and resources

Our UBS Optimus Foundation in the US is directly supporting emergency response, relief and reconstruction activities in Texas through our partnerships with World Central Kitchen and Team Rubicon. You can support these organizations and pool funds, together with Optimus, to increase their ability to support communities in Texas. In addition, any client donation to one of our Optimus partners will receive a 10% match from UBS.

Learn how you can get involved and make an impact through the UBS Optimus Foundation.

^{The UBS Optimus Foundation is a global network of separately organized and regulated, tax-exempt, charitable organizations, founded and managed by UBS, that make grants and other financial contributions to implementing partner organizations aligned with their values and objectives.}

Get involved

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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

Let's move forward. Together.

Pursuing your goals together

Ronald Giancristofaro

Charles Smithers

Michael Chandiramani

Michael Visciano

Richard Vinci

Johanna Delatorre-Finkelstein

Natella Zabarskiy

Cooper Hancock