Your evolving business

Comprehensive wealth management for business owners

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If you’re like most business owners and entrepreneurs, a substantial portion of your family wealth is invested in your company. This comes with its own unique challenges. We bring an experienced perspective and level of understanding of the complex opportunities and challenges that come at each stage of the business life cycle. Are you optimizing the value of your company—and potentially your next venture? Our involvement in the very early stages of your business planning can add important insight into helping you build, grow and exit strategically.

We're Experts at Helping Business Owners

We Can Facilitate and Help Get the Capital You Need to Grow Your Business

- We leverage the vast capabilities of UBS and our strategic partners to access the capital needed to unleash business growth
- Whether it is through capital raises, debt financing, commercial real estate lending, or personal loans, we know how to cut through the noise to find the funds you need for your business

We Offer an Extensive Suite of Corporate Services & Employee Benefits

- Cash management services to earn higher returns on cash holdings in this low interest rate environment
- Corporate retirement plans (e.g. 401(k), defined benefit, deferred comp)
- Equity compensation plans
- Employee Stock Ownership Plans (ESOP)
- Buy-sell agreements
- And other essential services

We Are Certified Exit Planning Advisors

- As Certified Exit Planning Advisors®, we have the resources to provide valuations, maximize enterprise value, and execute the transaction
- We leverage UBS' Investment Bank, along with our network of tax, legal, and boutique investment banking partners to learn what is most important for you in an exit
- We work with you personally and financially to prepare you for an exit on your terms and for life after the sale by performing extensive Liquidity Planning, so you keep as much of the proceeds as possible

Our Wealth Management Process is Specifically Designed for Entrepreneurs

- Using our Wealth Management Process, we work with you to clearly define your personal and financial goals, to build a comprehensive financial plan
- During plan implementation, we create a tailored investment portfolio for you – not a cookie-cutter model portfolio – to make sure you have the confidence your investments are aligned with your short, intermediate, and long-term legacy goals

  • Luke Ervin Profile Photo

    Luke Ervin, CIMA®, CEPA

    Senior Vice President–Wealth Management

    Financial Advisor

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    • AZ
    • CA
    • CO
    • FL
    • GA
    • ID
    • IL
    • MA
    • MO
    • NC
    • ND
    • NM
    • NV
    • NY
    • OK
    • PA
    • SC
    • TX
    • WA
    • WY

    Luke oversees the financial affairs for a select group of business owners, entrepreneurs, corporate executives, professionals and their families around San Diego. For nearly 20 years, Luke has focused on helping clients achieve their financial goals through a comprehensive and holistic wealth management process.

    Luke has an expansive range of experience in wealth management, beginning his career at Smith Barney, he has earned the Certified Investment Management Analyst (CIMA®) and Certified Exit Planning Advisor (CEPA®) designations. Luke is passionate about assisting others through life's numerous financial stages; helping his clients formalize a plan for their legacy and supporting them toward the realization of their goals, through a disciplined and tested approach. Outside of the office, Luke enjoys surfing, tennis, fitness and golf. He lives in Mission Hills with his wife Greta, children Era & Mac, and their two French Bulldogs, Louie & Teddy. 

    Luke's specialties include:   

    • Financial & retirement planning
    • Customized portfolio management
    • Lending and insurance strategies
    • Guiding business owners by leveraging UBS’ resources and collaborating with other business advisors to drive growth and plan for a successful exit, as well as offering employee benefits and cash management services
    • Equity compensation planning for corporate executives, including hedging, monetization and lending strategies on concentrated stock positions
    • Tailored wealth management solutions for medical & legal professionals

    Luke's accomplishments and community leadership experience include:

    • Five Star Wealth Managers - 2012
    • Certified Investment Management Analyst
    • Certified Exit Planning Advisor
    • Corporate Stock Benefit Consultant
    • San Diego Tesla Club - President
    • American Corporate Partners - Mentor
    • La Jolla Golden Triangle Rotary Club - Board Member
    • La Jolla Golden Triangle Rotary Foundation - Treasurer
    • Entrepreneurs Organization San Diego Sponsor
    • Appalachian State University - Southern California Chapter President
    • Mind Treasures - Board Member
        • Wealth Advisor
        • Certified Investment Management Analyst®
        • Certified Exit Planning Advisor
        • Corporate Stock Benefit Consultant
        12220 El Camino Real
        Suite 400
        San Diego, CA 92130
      • DeNeen Avina Profile Photo

        DeNeen Avina

        Senior Client Associate

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        • AK
        • AZ
        • CA
        • FL
        • NV
        • PA
        • SC

        DeNeen is responsible for managing the team's operations and is involved with all aspects of maintaining our wealth management practice. DeNeen has 25 years in the financial services industry, beginning in 1993. Since then, she has worked with an independent brokerage firm for 15 years where she helped build a thriving practice. She moved to Morgan Stanley in 2008 to assume a more client-service oriented role.

        DeNeen joined UBS in 2017 and serves the team as a Senior Registered Client Service Associate, where she is responsible for orchestrating the daily administrative and operational aspects of the practice and assisting with marketing and planning activities for the team. DeNeen grew up in San Diego and enjoys boating and other water activities. She is married and has three daughters and three grandchildren. 

              12220 El Camino Real
              Suite 400
              San Diego, CA 92130
            • Matthew Lord Profile Photo

              Matthew Lord

              Wealth Strategy Associate

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              • CA

              Matt joined the team in 2019 assisting with financial planning, client services, business development, equity and fixed income research, and portfolio modeling. He holds an MBA in finance from the University of San Diego, an MSc from the University of La Verne, a BA from the University of Western Australia, and the Series 7 and 66 Securities Licenses.

              Prior to UBS, Matt worked for a local government in his native Perth, Australia. He has a strong interest in behavioral psychology and understanding how investors approach decision-making. Outside of the office, Matt enjoys triathlon, snowboarding, reading, and is a passionate traveler having visited more than 70 countries around the world.

                    12220 El Camino Real
                    Suite 400
                    San Diego, CA 92130
                  • Lisa Snyder

                    Lisa Snyder

                    Executive Director

                    Wealth Planning Strategist

                    Current role and areas of expertise

                    Lisa is a Wealth Planning Strategist for the West Division. In this capacity, Lisa is responsible for providing Financial Advisors and their high net worth clients with unbiased, product neutral, advanced planning strategies, design and implementation. As an advanced financial planner, she provides expertise in the following areas:

                    Estate and multi-generational planning
                    Retirement income and cash flow analysis
                    Business continuity and succession planning
                    Retirement plans and employee benefits
                    Risk and liability management planning
                    Charitable giving strategies
                    Executive compensation and benefit strategies

                    Professional history

                    Lisa is a former estate planning attorney with more than twenty years of experience in financial services. Her focus has been helping clients successfully plan for wealth preservation, estate transition, philanthropy and generational prosperity. She has also been a featured speaker at national conferences and regional events, including Hawaii Tax Institute and Delaware Bankers Trust Conference. Prior to UBS, Lisa was Chief Learning Officer at the Institute for Preparing Heirs and Legacy Strategist at First Republic Bank.

                    Education and personal information

                    Lisa has a Juris Doctor from Tulane Law School and a Bachelor of Arts from Ohio University Honors Tutorial College. Lisa and her wife, Kimberlee, reside in Los Angeles. They love the Dodgers, a good road trip and the LA Phil at the Hollywood Bowl. Lisa also enjoys Stephen King novels, 70’s music and a perfectly brewed iced tea.
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                    Daniel Furey

                    Executive Director

                    Alternative Investments

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                    Casey Verst

                    Executive Director

                    Senior Wealth Strategy Consultant

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                    Howard Shore

                    Director

                    Equity & ETF Specialist

                  'Our mission is to help you achieve yours'

                  Advice for business owners and entrepreneurs

                  Advice for business owners and entrepreneurs

                  Business transition and succession planning

                  Business transition and succession planning

                  Tailored lending and cash management

                  Tailored lending and cash management

                  Selling your business: Proceed with passion

                  UBS Business Transition Services can help unlock the possibilities

                  Too many business owners don't plan in advance for when they’re ready to exit. We can provide guidance, along with UBS Business Transition Services, to help you prepare early for the transition and what comes next.

                  Insights

                  48+

                  Collective years of experience

                  120

                  Client relationships


                  Backed by the strength of UBS

                  A global leader in wealth management

                  Global leader

                  UBS is a world-leading wealth manager

                  $2.8 trillion

                  In invested assets globally 
                  As of 06/30/2022

                  51 countries

                  Our global footprint