Holistic Wealth Management and Legacy Planning

For Families, Business Owners, Entrepreneurs and Executives

Meeting in a office

Lineage Advisors specializes in providing best-in-class investment solutions, unbiased economic research, risk management and proactive client service. Working with families, business owners, family offices, executives and entrepreneurs, our principals are experienced in transition planning in a number of areas such as business succession and exit planning, multi-generational wealth transfer and philanthropy.

Our approach consists of in-depth discovery and bespoke investment strategies, targeting the uncommon needs of affluent families. We provide a customized, boutique experience characteristic of an independent firm. Leveraging the broad array of financial resources at UBS, our practice follows a professional philosophy grounded in communication, trust and collaboration. Our structured process helps our clients navigate the intersection of finance, family, business and legacy planning.

We specialize in the following areas of Wealth Management:

  • Investment Management
  • Custom Liquidity Solutions
  • Private Equity Investments
  • Risk Management and Asset Allocation
  • Legacy Planning (estate, tax, insurance, philanthropy)
  • Planning for the Sale of a Business
Mother daughter ocean

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.

  • Ernest

    Ernest Alexander Osle, CEPA

    Senior Vice President–Wealth Management

    Financial Advisor

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    • CA
    • CT
    • FL
    • GA
    • MA
    • MD
    • NJ
    • NY
    • PA
    • TX
    • VT

    Ernie is a senior partner of Lineage Advisors, a wealth management team at UBS' flagship office in midtown Manhattan. Ernie provides a customized boutique experience backed by the global financial resources of UBS. His practice is focused on risk management, unbiased macroeconomic research, asset allocation and a professional philosophy grounded in communication, trust and collaboration.

    Experience

    • More than 20 years of financial industry experience
    • Vice President and Financial Advisor, Barclays Wealth
    • Financial Advisor, Bernstein Global Wealth Management
    • Managing Director- Dealogic LLC, a capital markets research and technology firm

    Education

    • M.B.A., New York University Stern School of Business
    • B.S., finance, Rutgers University
    • B.A., economics, Rutgers University
    • Series 7, 31 and 66 securities licenses and life and health, insurance licenses

      • New York University Stern School of Business, M.B.A.
      • Rutgers University, B.S. Finance
      • Rutgers University, B.A. Economics
      • Certified Exit Planning Advisor
      • Portfolio Manager
      • Wealth Advisor
      1285 Avenue Of The Americas
      New York, NY 10019
    • Robert

      Robert Perlman

      Managing Director–Wealth Management

      Financial Advisor

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      • AZ
      • CA
      • CO
      • CT
      • DC
      • DE
      • FL
      • GA
      • IL
      • MA
      • MD
      • MT
      • NJ
      • NV
      • NY
      • PA
      • SD
      • TN
      • TX
      • VA
      • WA
      • WY

      For over 30 years, Robert has provided investment advice and customized financial planning for clients across the globe.  Robert started his career in 1988 at Lehman Brothers. After twenty years as a Managing Director in Private Banking at Lehman, Robert moved to Credit Suisse where he was Managing Director and on the Chairman’s Council. Through thoughtful conversations, Robert implements portfolio construction based on his clients' needs and goals. His advice has led clients and their families, to plan for the future. Currently at UBS, Robert and his team focus specifically on developing comprehensive financial plans for their clients to help them pursue the goals that matter most in their life.

      Robert graduated from the University of Massachusetts Amherst. He has his series 7, 63 & 65 licenses. Robert is married to his wife Serena; they have three boys and reside in Greenwich, Connecticut.

        • University of Massachusetts Amherst
          1285 Avenue Of The Americas
          New York, NY 10019
        • Michelle

          Michele McCallion

          Senior Vice President

          Financial Advisor

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          • AK
          • AL
          • CA
          • CO
          • CT
          • DC
          • DE
          • FL
          • GA
          • IA
          • IL
          • IN
          • KS
          • MA
          • MD
          • ME
          • MI
          • MN
          • MO
          • NC
          • ND
          • NH
          • NJ
          • NM
          • NY
          • OH
          • OR
          • PA
          • RI
          • SC
          • TX
          • VA
          • VT
          • WA
          • WY

          Michele has more than 30 years of experience in the financial services industry and has spent the past 27 years working directly with highly affluent clients. Prior to joining Merrill, she was a Vice President in the Private Client Services Group at Goldman Sachs & Co. for nine years.

          Michele has extensive experience working with entrepreneurs and executives of public companies in developing customized wealth management strategies including risk management strategies for concentrated stock positions. Michele’s additional areas of focus include working with women going through transitions such as career change, divorce or loss of a spouse.

          Michele holds a Master’s in Management from the Kellogg Graduate School of Management, Northwestern University, and a B.S. with honors in finance and marketing from Boston College.

          Michele is actively involved with several charitable organizations including AmeriCares, Kids Helping Kids and Al’s Angels. Michele resides with her husband, son and daughter in New Canaan, CT, where she enjoys gardening and cooking.

          • Forbes America’s Top Women Wealth Advisors, 2021, 2022The Forbes rating is awarded annually between February and May and is based on information from September of the prior year to September of the award year. 
          • Forbes Best-in-State Wealth Advisors, 2018, 2019The Forbes rating is awarded annually in January or February and is based on information from June of the prior year to June of the award year. 
          • Forbes Best-in-State Women Wealth Advisors, 2021, 2022The Forbes rating is awarded annually between February and May and is based on information from September of the prior year to September of the award year.
          • Working Mother Magazine/SHOOK Top Wealth Advisor Moms, 2017, 2018, 2019, 2021The Working Mother Magazine/SHOOK rating is awarded annually in October and is based on information from March of the prior year to March of the award year. 

          • Northwestern University, M.B.A.
          • Boston College, B.S. Finance and Marketing
          • Private Wealth Advisor
          100 West Putnam Ave
          2nd Floor
          Greenwich, CT 06830
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          Richard Leone

          Financial Advisor

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          • AZ
          • CA
          • CO
          • CT
          • DC
          • DE
          • FL
          • GA
          • IL
          • MD
          • MT
          • NJ
          • NV
          • NY
          • PA
          • SD
          • TN
          • TX
          • VA
          • WA
          • WY

          Richard has had a passion for markets and investing from an early age and has spent his career at the intersection of securities law and finance.  Richard specializes in advising an elite group of ultra-high net worth clients and institutions on asset allocation, portfolio construction and opportunistic investing.  As an investment manager, Richard specializes in providing creative, thoughtful, tax-sensitive investment solutions with special attention given to risk mitigation.  In addition, Richard focuses on manager search and selection and also leverages his legal background to assist clients with trust and estate planning strategies.

          After graduating from Fordham Law School in 2009, Richard worked as a securities litigator before being hand selected to work for the legal group at Credit Suisse during one of the most challenging periods in Wall Street history.  After spending over four years at Credit Suisse, Richard transitioned to the investment advisory business at UBS.   In his spare time, Richard enjoys golf and skiing as well as collecting art and fine wines.  He lives on the Upper East Side of Manhattan.  

            • Fordham University, J.D.: 2009
              1285 Avenue Of The Americas
              New York, NY 10019
            • Chad

              Chad Torelli, CFA

              Wealth Strategy Associate

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              • AZ
              • CA
              • CO
              • CT
              • DE
              • FL
              • GA
              • IL
              • MA
              • MD
              • MI
              • NC
              • NH
              • NJ
              • NV
              • NY
              • OH
              • OR
              • PA
              • TX
              • VA
              • VT
              • WA

              Chad graduated from the University of Miami where he earned both his B.B.A. and M.B.A in finance.  Chad began his career working with a family office in South Florida where he specialized in research & analysis, portfolio management, and financial modeling.  He then went on to work with the private bank at Credit Suisse in 2013 and later moved with his team to UBS in 2015.  Among his responsibilities, Chad specializes in analyzing portfolios and presenting investment solutions tailored to clients’ individual needs. 

               Chad is a Chartered Financial Analyst charter holder (CFA®) and an active member of the CFA Society of New York.  He also maintains his Series 7, and 66 securities license.

               Outside of UBS, Chad and his wife, Marisa enjoy traveling and spending time with family and friends.  Chad is an active participant in the UBS Community Affairs & Corporate Responsibility program.

                • University of Miami, B.B.A. Finance
                • University of Miami, M.B.A. Finance
                • Chartered Financial Analyst®
                1285 Avenue Of The Americas
                New York, NY 10019
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                Denis Kallfa

                Client Associate

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                • AZ
                • CA
                • CT
                • FL
                • MA
                • NJ
                • NY
                • PA
                • SC

                      1285 Avenue Of The Americas
                      New York, NY 10019
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                      Chris Kanavos

                      Director

                      Senior Wealth Management Banker - Mortgages

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                      Matt Beaulieu

                      Executive Director

                      Branch Director

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                      Sam Gallucci, CFP®, CPWA®, CEPA®

                      Director

                      Wealth Planning Strategist

                    What did the Fed say?

                    Retirement planning

                    Retirement planning

                    Multigenerational planning

                    Multigenerational planning

                    Legacy—Wealth for others

                    For needs that go beyond your own—to help you improve the lives of others

                    What will your legacy be?
                    It’s never too early to plan ahead. A Legacy strategy can help you gain more control over your financial future and what you leave behind, so you can move forward with confidence.

                    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

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