Let's move forward. Together.

We believe that good financial planning advice is invaluable—it helps prepare you for whatever life brings. But it is especially important during times of major life change. Our process focuses on you and the priorities, goals, concerns and beliefs that will ultimately impact your financial well-being for years to come. We're here to help you tackle your concerns and embrace the opportunities that can enrich and empower you today and for years to come.

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Lawrence R. Zech, CRPC, CRIC

Senior Vice President–Wealth Management

Financial Advisor
View bio
- AZ
- CA
- CO
- CT
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- MD
- MI
- MO
- MT
- NC
- NJ
- NV
- NY
- OH
- OK
- OR
- PA
- SC
- TN
- TX
- UT
- VA
- WA
- WI
Lawrence joined PaineWebber as a Financial Advisor in 1996. He became Branch Manager soon thereafter and took on additional duties as a multi-branch, complex manager earning the firm’s Director’s Council award twice while maintaining his dual role as a Financial Advisor. Lawrence left the ranks of management to once again focus on working with individual clients and families in 2015.

When not working, Lawrence enjoys spending time with his wife, Debra, and their daughter. Table tennis, skiing, hiking and almost anything outdoors are favorite activities.
75-280 Highway 111
Indian Wells, CA 92210

lawrence.zech@ubs.com

Lawrence R. Zech, CRPC, CRIC

75-280 Highway 111,Indian Wells,CA,92210
Warren Overman

First Vice President–Wealth Management

Financial Advisor
View bio
- AZ
- CA
- CO
- CT
- FL
- HI
- IA
- ID
- IL
- IN
- KS
- MD
- MI
- MO
- MT
- NC
- NJ
- NV
- NY
- OH
- OK
- OR
- PA
- SC
- TN
- TX
- UT
- VA
- WA
- WI
Warren has more than 36 years experience in the financial services industry, and more than 25 of those years have been spent with UBS. Warren is a native of the Chicagoland area - Downer's Grove, IL - and is a graduate of the University of Illinois College of Business in Champaign-Urbana. He currently lives with his wife Heidi in Rancho Mirage, CA and enjoys traveling, attending golf and tennis events, and spending time with family. Warren and his wife have four children, five grandchildren, and one great grandson.
75-280 Highway 111
Indian Wells, CA 92210

warren.overman@ubs.com

Warren Overman

75-280 Highway 111,Indian Wells,CA,92210
Phillip Tanner CFP®

Financial Advisor
View bio
- AZ
- CA
- CO
- CT
- FL
- HI
- IA
- ID
- IL
- IN
- KS
- MD
- MI
- MO
- MT
- NJ
- NV
- NY
- OH
- OK
- OR
- PA
- SC
- TN
- TX
- UT
- WA
With more than 18 years in the financial services industry, Phil enjoys helping clients with their comprehensive financial planning and wealth management needs. Prior to joining UBS, Phil served clients as a Wealth Manager at Goldman Sachs’ independent channel.

Phil is a native of the Coachella Valley and returned to the desert after attending Purdue University. Phil and his wife Amber live in Palm Desert with their two sons, ages 10 and 7. In his free time Phil enjoys coaching, hiking, skiing, running his dogs, and many other outdoor activities with his family.
- Palm Desert High School
- Purdue University
- CERTIFIED FINANCIAL PLANNER®
75-280 Highway 111
Indian Wells, CA 92210

phillip.tanner@ubs.com

Phillip Tanner CFP®

75-280 Highway 111,Indian Wells,CA,92210
Stacy Porras

Senior Registered Client Associate
View bio
- AZ
- CA
- FL
- IA
- ID
- MD
- MI
- NV
- OH
- OK
- OR
- TX
- UT
- WA
Stacy joined UBS in 2007 beginning her career in the financial industry. She holds Series 7 and 66 licenses. Stacy is the Administrative Manager for the team, working with Clients and the Firm to fulfill Client requests.

Stacy is a native desert resident currently living in Palm Desert. Stacy is married with three children. She enjoys spending time with her family and volunteering at her church.
75-280 Highway 111
Indian Wells, CA 92210

stacy.porras@ubs.com

Stacy Porras

75-280 Highway 111,Indian Wells,CA,92210

Roubina Kurkjian

NMLS #947868

Senior Wealth Management Banker, UBS Bank USA

View bio

Roubina Kurkjian joined UBS Bank USA in 2016 and she is currently a Senior Wealth Management Banker covering the Orange County Market.

Roubina has an extensive background in relationship banking. She is focused on providing Financial Advisors and their clients a variety of cash management resources along with banking solutions that may complement their overall wealth management objectives.

Professional history

Roubina began her career in financial services in 1998. Prior to joining UBS, Roubina was most recently a Wealth Management Banker at Merrill Lynch.

Education and personal information

In Roubina’s role as a Senior Wealth Management Banker her NMLS # is 637447. She holds her Series 7 and 66 securities licenses, and California Insurance license . She also holds a B.S in Business Management and Operations Management from California State University Long Beach.

Outside of the office, Roubina currently lives in Cowan Heights, California with her husband and two children.

Senior Wealth Management Bankers are employees of UBS Bank USA. UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS No. 947868. Equal Housing Lender

Lawrence R. Zech, CRPC, CRIC

Senior Vice President–Wealth Management

Financial Advisor
View bio
- AZ
- CA
- CO
- CT
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- MD
- MI
- MO
- MT
- NC
- NJ
- NV
- NY
- OH
- OK
- OR
- PA
- SC
- TN
- TX
- UT
- VA
- WA
- WI
Lawrence joined PaineWebber as a Financial Advisor in 1996. He became Branch Manager soon thereafter and took on additional duties as a multi-branch, complex manager earning the firm’s Director’s Council award twice while maintaining his dual role as a Financial Advisor. Lawrence left the ranks of management to once again focus on working with individual clients and families in 2015.

When not working, Lawrence enjoys spending time with his wife, Debra, and their daughter. Table tennis, skiing, hiking and almost anything outdoors are favorite activities.
75-280 Highway 111
Indian Wells, CA 92210

lawrence.zech@ubs.com

Lawrence R. Zech, CRPC, CRIC

75-280 Highway 111,Indian Wells,CA,92210
Warren Overman

First Vice President–Wealth Management

Financial Advisor
View bio
- AZ
- CA
- CO
- CT
- FL
- HI
- IA
- ID
- IL
- IN
- KS
- MD
- MI
- MO
- MT
- NC
- NJ
- NV
- NY
- OH
- OK
- OR
- PA
- SC
- TN
- TX
- UT
- VA
- WA
- WI
Warren has more than 36 years experience in the financial services industry, and more than 25 of those years have been spent with UBS. Warren is a native of the Chicagoland area - Downer's Grove, IL - and is a graduate of the University of Illinois College of Business in Champaign-Urbana. He currently lives with his wife Heidi in Rancho Mirage, CA and enjoys traveling, attending golf and tennis events, and spending time with family. Warren and his wife have four children, five grandchildren, and one great grandson.
75-280 Highway 111
Indian Wells, CA 92210

warren.overman@ubs.com

Warren Overman

75-280 Highway 111,Indian Wells,CA,92210
Phillip Tanner CFP®

Financial Advisor
View bio
- AZ
- CA
- CO
- CT
- FL
- HI
- IA
- ID
- IL
- IN
- KS
- MD
- MI
- MO
- MT
- NJ
- NV
- NY
- OH
- OK
- OR
- PA
- SC
- TN
- TX
- UT
- WA
With more than 18 years in the financial services industry, Phil enjoys helping clients with their comprehensive financial planning and wealth management needs. Prior to joining UBS, Phil served clients as a Wealth Manager at Goldman Sachs’ independent channel.

Phil is a native of the Coachella Valley and returned to the desert after attending Purdue University. Phil and his wife Amber live in Palm Desert with their two sons, ages 10 and 7. In his free time Phil enjoys coaching, hiking, skiing, running his dogs, and many other outdoor activities with his family.
- Palm Desert High School
- Purdue University
- CERTIFIED FINANCIAL PLANNER®
75-280 Highway 111
Indian Wells, CA 92210

phillip.tanner@ubs.com

Phillip Tanner CFP®

75-280 Highway 111,Indian Wells,CA,92210
Stacy Porras

Senior Registered Client Associate
View bio
- AZ
- CA
- FL
- IA
- ID
- MD
- MI
- NV
- OH
- OK
- OR
- TX
- UT
- WA
Stacy joined UBS in 2007 beginning her career in the financial industry. She holds Series 7 and 66 licenses. Stacy is the Administrative Manager for the team, working with Clients and the Firm to fulfill Client requests.

Stacy is a native desert resident currently living in Palm Desert. Stacy is married with three children. She enjoys spending time with her family and volunteering at her church.
75-280 Highway 111
Indian Wells, CA 92210

stacy.porras@ubs.com

Stacy Porras

75-280 Highway 111,Indian Wells,CA,92210

Roubina Kurkjian

NMLS #947868

Senior Wealth Management Banker, UBS Bank USA

View bio

Roubina Kurkjian joined UBS Bank USA in 2016 and she is currently a Senior Wealth Management Banker covering the Orange County Market.

Roubina has an extensive background in relationship banking. She is focused on providing Financial Advisors and their clients a variety of cash management resources along with banking solutions that may complement their overall wealth management objectives.

Professional history

Roubina began her career in financial services in 1998. Prior to joining UBS, Roubina was most recently a Wealth Management Banker at Merrill Lynch.

Education and personal information

In Roubina’s role as a Senior Wealth Management Banker her NMLS # is 637447. She holds her Series 7 and 66 securities licenses, and California Insurance license . She also holds a B.S in Business Management and Operations Management from California State University Long Beach.

Outside of the office, Roubina currently lives in Cowan Heights, California with her husband and two children.

Senior Wealth Management Bankers are employees of UBS Bank USA. UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS No. 947868. Equal Housing Lender

Connecting you to the deep resources of UBS

By seeing the big picture, we provide access to the global platforms and the financial and intellectual strengths of UBS’s experts in Wealth Management, Asset Management and our Private and Investment Banks.

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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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.}

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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

More than 160 years

offering financial advice

Let's move forward. Together.

Lawrence R. Zech, CRPC, CRIC

Warren Overman

Phillip Tanner CFP®

Stacy Porras

Roubina Kurkjian