Empowering confident financial decisions

We have a long history of providing financial advice and services to a broad range of individual and institutional clients. We combine personalized wealth management for individuals and families with institutional consulting and retirement plan services for public and private businesses, foundations and endowments.

Our level of care and understanding has earned our clients’ lifelong trust. Our 12-member team has extensive experience and offers a specific focus on the needs of corporate executives, business owners and ultra-high net worth families.

Start the conversation

We at Liberty Trail Wealth Management help lead our clients on a path to financial freedom. Our clients count on us for our experience, multi-generational perspective and deep understanding of the aspects associated with significant wealth.
- Liberty Trail Wealth Management

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.

Jack Riley

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MT
- NC
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WY
Jack joined the industry in 2000. After 13 years at Morgan Stanley Smith Barney, he transitioned with the group to UBS in 2013. He is responsible for equity and fixed income portfolio management, with a specialty in equity compensation planning. Jack is committed to building relationships not only with individuals but also with entire families, helping to coordinate with their other professional advisors so that he can better help them achieve their lifetime goals.

Jack has been recognized by the Financial Times Top 400 (2017), Barron’s Top 1,000 Advisors in America (2011– 2013) and by On Wall Street “Top 40 Under 40 Advisor” (2010 – 2012). He earned his B.A. degree in marketing from West Virginia University. A resident of Basking Ridge, NJ, Jack has four young children, Ella, Avry, Declan, and Lyla. Outside of work, he enjoys spending time with his family, playing golf, skiing and fishing.
- Barron's Top 1,200 Financial Advisors, 2019, 2020, 2021
- Financial Times Top 400 Financial Advisers, 2019
- Forbes Best-in-State Wealth Advisors , 2019, 2020, 2021
184 Liberty Corner Road
Suite 101
Warren, NJ 07059
John T. Cusate, CFP, ChFC, CLU

Senior Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WY
With over 40 years of experience in the financial services industry, John attributes his success to the fact that he cares deeply about his clients and their families. After 23 years in the life insurance industry, he joined the team in 1998.

John knows the value of hard work and dedication. After graduating from high school, he went straight to work for Mutual Benefit Life Insurance Company in Newark, NJ. He attended Rutgers University in the evenings and earned a B.S. degree in business management, graduating with high honors. He has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) CHARTERED FINANCIAL CONSULTANT (ChFC®) and CHARTERED LIFE UNDERWRITER (CLU®) designations.

A New Jersey native, John and his wife, Suzanne, live in Morris Township. They have three children, Lauren, John, and Tess. John and his family enjoy spending time at the New Jersey Shore and are regular contributors to The Seeing Eye, Homeless Solutions, the First Aid Squad and the Volunteer Fire Dept. of Morristown. Outside of work, he enjoys playing basketball, tennis, golf, and bowling.
184 Liberty Corner Road
Suite 101
Warren, NJ 07059
Jesse E. Kent, CFP

Senior Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WY
Jesse entered the financial services industry in 2001 and moved to UBS Financial Services in 2013. With a deep knowledge of his clients’ employer benefit package, he focuses specifically on retirement planning, asset preservation and estate planning.

A graduate of Johnson & Wales University with a degree in marketing, Jesse has also earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation. He and his wife, Antonietta, have three young children, Joseph, Luke, and Laura.
184 Liberty Corner Road
Suite 101
Warren, NJ 07059
Michael Jordao, CRPC

Senior Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WY
Mike entered the financial services industry in 2006 and joined UBS in 2013 with the team. With a highly personalized approach focused on service and proper asset allocation, Mike provides clients with retirement planning, education planning and 401(k) rollover guidance that is informed by his extensive understanding of net unrealized appreciation (NUA).

Mike studied international business and philosophy at Northeastern University and earned the Chartered Retirement Planner Counselor (CRPC®) designation. An Eagle Scout, he’s active in the community with scouting and as a youth soccer coach. He and his wife reside in Morris County with their young daughter and son.
184 Liberty Corner Road
Suite 101
Warren, NJ 07059
John Ryan

First Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MT
- NC
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WY
After ten years in the accounting and consulting, John entered the securities industry as an analyst at Smith Barney in 2008. In 2009 he transitioned with his group to UBS where he had a key role in the management of Portfolio Management Programs that Liberty Trail Wealth Management participated in. John joined our group in 2019 as a Portfolio Manager in the LTWM PM Program.

John graduated from Bates College with a BS in BioPhysics. He pursued post graduate studies in business and accounting to meet the 150 semester hour requirement of CPA licensure. He is a former volunteer firefighter who lives in Northern California. He and his family enjoy managing timber for forest improvement and all adventures with their son Jack.
184 Liberty Corner Road
Suite 101
Warren, NJ 07059
Harrison C. Hoyes, CFP, CRPS, CRPC

Vice President–Wealth Management

Financial Advisor
View bio
- AZ
- CA
- CO
- FL
- IA
- IN
- LA
- MA
- MI
- MN
- MT
- NC
- NJ
- NY
- OH
- OR
- PA
- SC
- TX
- UT
- VA
- WA
Harrison joined UBS in 2013 after a year with AXA Advisors and five years with The Rasweiler Group at Morgan Stanley. Committed to stellar client service and being responsive to their needs, Harrison focuses on retirement planning, net unrealized appreciation (NUA) analysis, asset allocation and equity diversification.

A graduate of Franklin & Marshall College, Harrison earned a B.S. degree in business, organizations and society. He is a Certified Financial Planner (CFP®) and holds the Chartered Retirement Plans Specialist (CRPS®) and Chartered Retirement Planning Counselor (CRPC®) designation and his Series 7, 31 and 66 securities licenses. He is also accredited to offer life and health insurance.
184 Liberty Corner Road
Suite 101
Warren, NJ 07059

Jack Riley

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MT
- NC
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WY
Jack joined the industry in 2000. After 13 years at Morgan Stanley Smith Barney, he transitioned with the group to UBS in 2013. He is responsible for equity and fixed income portfolio management, with a specialty in equity compensation planning. Jack is committed to building relationships not only with individuals but also with entire families, helping to coordinate with their other professional advisors so that he can better help them achieve their lifetime goals.

Jack has been recognized by the Financial Times Top 400 (2017), Barron’s Top 1,000 Advisors in America (2011– 2013) and by On Wall Street “Top 40 Under 40 Advisor” (2010 – 2012). He earned his B.A. degree in marketing from West Virginia University. A resident of Basking Ridge, NJ, Jack has four young children, Ella, Avry, Declan, and Lyla. Outside of work, he enjoys spending time with his family, playing golf, skiing and fishing.
- Barron's Top 1,200 Financial Advisors, 2019, 2020, 2021
- Financial Times Top 400 Financial Advisers, 2019
- Forbes Best-in-State Wealth Advisors , 2019, 2020, 2021
184 Liberty Corner Road
Suite 101
Warren, NJ 07059
John T. Cusate, CFP, ChFC, CLU

Senior Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WY
With over 40 years of experience in the financial services industry, John attributes his success to the fact that he cares deeply about his clients and their families. After 23 years in the life insurance industry, he joined the team in 1998.

John knows the value of hard work and dedication. After graduating from high school, he went straight to work for Mutual Benefit Life Insurance Company in Newark, NJ. He attended Rutgers University in the evenings and earned a B.S. degree in business management, graduating with high honors. He has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) CHARTERED FINANCIAL CONSULTANT (ChFC®) and CHARTERED LIFE UNDERWRITER (CLU®) designations.

A New Jersey native, John and his wife, Suzanne, live in Morris Township. They have three children, Lauren, John, and Tess. John and his family enjoy spending time at the New Jersey Shore and are regular contributors to The Seeing Eye, Homeless Solutions, the First Aid Squad and the Volunteer Fire Dept. of Morristown. Outside of work, he enjoys playing basketball, tennis, golf, and bowling.
184 Liberty Corner Road
Suite 101
Warren, NJ 07059
Jesse E. Kent, CFP

Senior Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WY
Jesse entered the financial services industry in 2001 and moved to UBS Financial Services in 2013. With a deep knowledge of his clients’ employer benefit package, he focuses specifically on retirement planning, asset preservation and estate planning.

A graduate of Johnson & Wales University with a degree in marketing, Jesse has also earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation. He and his wife, Antonietta, have three young children, Joseph, Luke, and Laura.
184 Liberty Corner Road
Suite 101
Warren, NJ 07059
Michael Jordao, CRPC

Senior Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MT
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WY
Mike entered the financial services industry in 2006 and joined UBS in 2013 with the team. With a highly personalized approach focused on service and proper asset allocation, Mike provides clients with retirement planning, education planning and 401(k) rollover guidance that is informed by his extensive understanding of net unrealized appreciation (NUA).

Mike studied international business and philosophy at Northeastern University and earned the Chartered Retirement Planner Counselor (CRPC®) designation. An Eagle Scout, he’s active in the community with scouting and as a youth soccer coach. He and his wife reside in Morris County with their young daughter and son.
184 Liberty Corner Road
Suite 101
Warren, NJ 07059
John Ryan

First Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MT
- NC
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WY
After ten years in the accounting and consulting, John entered the securities industry as an analyst at Smith Barney in 2008. In 2009 he transitioned with his group to UBS where he had a key role in the management of Portfolio Management Programs that Liberty Trail Wealth Management participated in. John joined our group in 2019 as a Portfolio Manager in the LTWM PM Program.

John graduated from Bates College with a BS in BioPhysics. He pursued post graduate studies in business and accounting to meet the 150 semester hour requirement of CPA licensure. He is a former volunteer firefighter who lives in Northern California. He and his family enjoy managing timber for forest improvement and all adventures with their son Jack.
184 Liberty Corner Road
Suite 101
Warren, NJ 07059
Harrison C. Hoyes, CFP, CRPS, CRPC

Vice President–Wealth Management

Financial Advisor
View bio
- AZ
- CA
- CO
- FL
- IA
- IN
- LA
- MA
- MI
- MN
- MT
- NC
- NJ
- NY
- OH
- OR
- PA
- SC
- TX
- UT
- VA
- WA
Harrison joined UBS in 2013 after a year with AXA Advisors and five years with The Rasweiler Group at Morgan Stanley. Committed to stellar client service and being responsive to their needs, Harrison focuses on retirement planning, net unrealized appreciation (NUA) analysis, asset allocation and equity diversification.

A graduate of Franklin & Marshall College, Harrison earned a B.S. degree in business, organizations and society. He is a Certified Financial Planner (CFP®) and holds the Chartered Retirement Plans Specialist (CRPS®) and Chartered Retirement Planning Counselor (CRPC®) designation and his Series 7, 31 and 66 securities licenses. He is also accredited to offer life and health insurance.
184 Liberty Corner Road
Suite 101
Warren, NJ 07059

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.

How we work

Our integrated team approach to wealth management seeks to understand your specific needs and make sure that your financial decisions reflect both short term desires and long term goals. Our tailored process can help you and your family address the specific and uncommon opportunities that come with personal and business success.

Our Process

Discovery
We get to know you and evaluate your current position
Goal setting
We set specific goals, including retirement and educational funding
Planning
We design your personalized action plan
Investment strategy
Based on your plan, we establish your custom investment strategy
Performance tracking
We implement, monitor, and maintain your strategy

Corporate executive care

We help manage the complexities of equity compensation by providing integrated financial guidance and a robust suite of administrative tools.

Services for stock option planning and execution
With complicated equity award packages, executives and employees need specific guidance.

We provide customized services, including:

Stock option exercise strategies
Single stock risk management
Wealth transfer and philanthropic planning
Restricted stock

Corporate executive care
We are well positioned to provide financial planning to help executives get the most from their compensation plan and to integrate those plans with their overall wealth management strategy.

Defined contribution plan strategies (net unrealized appreciation)
Defined benefit plan structures
Incentive award programs (restricted shares and stock options)
Group life and disability strategies

Customized investing for your specific situation

We care about people, not just their portfolios. Our team is grounded in the best practices of prudent asset allocation and risk management and we build custom investment strategies based on a professional system for identifying the most tax-efficient and risk conscious ways to construct your portfolio.

With our open architecture, we are free to choose the best solutions for our clients, whether managing portfolios ourselves or selecting world class institutional money managers.

We can help keep you prepared
The foundation of our investment strategies comes from the expertise of both internal and external sources, combined in an integrated and systematic process.

Our team includes:

1 – Senior Portfolio Manager
3 CFPs – CERTIFIED FINANCIAL PLANNER™ professional
1 CRPS – Chartered Retirement Plans Specialist^SM
1 CLU – Chartered Life Underwriter®
1 ChFC – Chartered Financial Consultant®
5 CRPCs – Chartered Retirement Planning Counselor^SM

Portfolio management
Our team’s Portfolio Managers in the UBS Portfolio Management Program have a disciplined process that ensures we develop customized strategies based on rigorous due diligence and research analysis. We regularly review your strategy in the context of your overall wealth management plan, always mindful of the impact of market conditions, changes in your personal circumstances and comfort with risk.

Asset allocation and risk management
We develop asset allocation strategies and coordinate the right combination of traditional and alternative investment advice required to deliver your objectives while controlling risk and volatility. Diversified portfolios include ETFs, SMAs, alternatives, fixed income, equities, structured products, annuities and options.

Diversification
We help investors with highly concentrated equity positions, either in public or private company stock, determine how much liquid, diversified wealth they need to fulfill their lifetime financial goals. Our objective is to provide you with the confidence necessary for your family to enjoy your wealth free from the fear of outlasting it.

Liquidity, longevity and legacy
We help 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.

Estate planning and wealth transfer strategies

We are positioned to help manage the complexities of equity. Exemplary service is the key to a successful relationship. . By offering high-touch service, our goal is to develop the kind of trust that helps simplify your financial life and builds long-lasting relationships.

We have experience with complex wealth transfer and protection strategies.

These include:

Grantor retained annuity trusts
Insurance (second to die, long term care, etc.)
Private split dollar arrangements
Interfamily loans
Charitable trusts (family foundations, donor advised funds, retained annuity trusts, etc.)
Revocable and irrevocable trusts
Grantor trusts
Special needs trusts

We can work with you to set up, understand and execute these complex strategies. We offer customized investment strategies and generational planning that coincide with your overall estate planning goals.

Financial planning for all stages of life

We listen and gather insights about your unique personal and financial situation so that we can build an individually tailored financial plan. Then we track your plan’s progress, communicate regularly and make adjustments for life changes and economic conditions.

We prepare a customized financial plan and cash flow for all of our clients and their families. Whether you are close to retirement, have kids in college or are just starting your career, we believe that the relationship starts with a well crafted plan. We look at all aspects of your financial life: we integrate your portfolio, assets, liabilities and savings into a single, comprehensive view.

A lifetime financial strategy
We are committed to building long lasting relationships. By monitoring and adjusting your plan, we strive to optimize your strategy to help ensure we keep pace with fluctuating markets, changing tax laws and your evolving family needs.

Critical elements of our planning process include:

Retirement planning
Insurance and liability management
Estate planning considerations
Education funding
Credit and lending
Business succession planning
Net unrealized appreciation
Stock option and restricted stock planning

Multigenerational strategies
We take the time to understand your family wealth dynamics and the important decisions you face. We provide timely strategies that help grow and protect income and safeguard the preservation and transfer of wealth.

We leverage our institutional consulting experience
Our team is well positioned to provide financial planning to help senior executives get the most from their equity incentive program by integrating it with their overall wealth management strategy. We can help executives understand the company compensation and benefit plans in context of their overall wealth management strategy.

Understanding the concerns of business owners

We help manage a broad spectrum of business needs. We work with a select number of private business owners who value our ability to speak knowledgeably about their professional ventures.

Our end-to-end wealth management solutions address the specific concerns that come with running a business:

Retirement plans for you and your employees
401(k), simple IRAs, SEPs, IRAs, profit sharing and defined benefit plans are all potential solutions to help you and your employees plan for a successful retirement.

Help you protect your continuing financial success
Life insurance, disability coverage and key man insurance are areas we can assess and help you determine if you and your family will continue to live comfortably if something unexpected should happen.

Succession and exit strategies
Investment banks, strategic buyer or family business transition are areas in which we have considerable experience and can help you reach your goals.

_{Insurance products are issued by unaffiliated third-party insurance companies and made available through insurance agency subsidiaries of UBS Financial Services Inc. Guarantees are based on the claims paying ability of the issuing insurance company.}

How do you plan confidently for the retirement you want?

Start by building a strategy based on the resources and needs over the course of your life.

Imagine the retirement you want. Then, let’s build a framework to help you pursue it. Learn more at ubs.com/wealthway.

Backed by the strength of UBS

A global leader in wealth management

^$2.8 trillion

In invested assets globally
As of 06/30/2022

51 countries

Our global footprint

Global leader

UBS is a world-leading wealth manager

Empowering confident financial decisions

Pursuing your goals together

Jack Riley

John T. Cusate, CFP, ChFC, CLU

Jesse E. Kent, CFP

Michael Jordao, CRPC

John Ryan

Harrison C. Hoyes, CFP, CRPS, CRPC