Wealth advice for your life's goals

• AK
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• AZ
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• CO
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• FL
• IA
• ID
• IL
• IN
• KY
• LA
• MA
• MD
• MI
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• MS
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• NC
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• NV
• NY
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• OR
• SC
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• UT
• VA
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• WI
• WY

Backed by strong credentials that instill confidence, Bill brings over two decades in the financial services industry. Holding the title of UBS Managing Director, a rank reserved for the firm’s business leaders, he is well qualified to lead the Montana Wealth Advisors team. Bill focuses on developing in-depth financial plans and executing customized wealth management strategies for clients. His areas of experience include comprehensive wealth management, portfolio management, estate planning and philanthropy. Over the course of his career, he and his partners have built a full-service wealth management team that takes clients through a comprehensive planning process that analyzes their investment, retirement, insurance and estate needs. 

Bill is passionate about helping clients position themselves for a stronger financial future. In January 2017, Bill was nominated to the FA Advisory Council, a select group chosen to represent UBS and shape the firm’s wealth management strategies.

Bill is a Montana native who earned his bachelor’s degree in finance from the University of Montana. He is an advocate for quality healthcare for the state of Montana, currently serving as a board member for RiverStone Health Foundation and as an investment committee member for Montana Healthcare Foundation.  An avid golfer, he loves to travel and is actively involved in the Billings community.

• Barron's Top 1,200 Financial Advisors, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 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, 2019, 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.

• University of Montana, Finance

• Chartered Retirement Plans Specialist℠
• Wealth Advisor
• Senior Retirement Plan Consultant

• AK
• AL
• AZ
• CA
• CO
• DE
• FL
• HI
• IA
• ID
• IL
• IN
• KY
• LA
• MA
• MD
• MI
• MN
• MO
• MS
• MT
• NC
• ND
• NE
• NM
• NV
• NY
• OH
• OK
• OR
• SC
• SD
• TN
• TX
• UT
• VA
• WA
• WI
• WY

Todd has managed investment portfolios through a variety of market environments. Over the past 25 years, he has provided exceptional client service and demonstrated the ability to build close relationships. Helping lead the team, he tailors financial plans and investment strategies to clients’ needs and listens carefully when clients share priorities and concerns, making sure that financial plans are relevant to where clients are in their lives. As a Certified Private Wealth Advisor®, Todd offers the commitment and resources to help address the needs of individuals and multigenerational families with significant wealth through trust and estate planning, philanthropy and preparation for the next generation. With extensive training, Todd is qualified to help establish donor-advised funds, private foundations, endowments and charitable gift annuities, as well as assist clients in philanthropic efforts.  

Todd received his business management degree from Montana State University–Billings and served as an Army infantry officer prior to entering the finance business. Outside of UBS, Todd is passionate about making an impact within his community. Todd currently serves as a board member of The Boys & Girls Club of Yellowstone County and is a past president of the Billings Education Foundation. He is an active outdoorsman, having participated in triathlons and continuing his passion for mountain biking on Montana’s beautiful trails.

• Barron's Top 1,200 Financial Advisors, 2015, 2016, 2017, 2018, 2019, 2021, 2022, 2023, 2024
  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, 2018, 2019, 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.

• Montana State University–Billings, Business Management

• Chartered Retirement Plans Specialist℠
• Endowment & Foundation Consultant
• Wealth Advisor
• Senior Retirement Plan Consultant
• Private Wealth Advisor

• AK
• AL
• AZ
• CA
• CO
• DE
• FL
• IA
• ID
• IL
• IN
• KY
• LA
• MA
• MD
• MI
• MN
• MO
• MS
• MT
• NC
• ND
• NE
• NM
• NV
• NY
• OH
• OK
• OR
• SC
• SD
• TN
• TX
• UT
• VA
• WA
• WI
• WY

Scott brings a focus on designing customized wealth strategies. This includes guiding clients through an exhaustive planning process with short-, medium- and long-term goals. Scott believes a comprehensive plan is key to weathering the markets and ensuring that all assets are working efficiently toward the set goals. He proactively communicates with clients and creates a customized plan to achieve an ongoing dialogue with each client, making sure his advice stays true to his clients’ priorities.  Scott is a Certified Financial Planner^TM professional who is trained in personal financial planning, retirement planning and estate planning strategies. He completes over 30 hours of continuing education every two years. In addition, Scott has obtained his Chartered Retirement Planning Specialist^SM designation in advanced retirement planning strategies. His certifications demonstrate skills not only in retirement planning, but in financial goal analysis, performance monitoring and client portfolio review. With nearly two decades of experience, Scott offers knowledge of asset protection, ranging from life insurance, annuities, long-term care and disability. Prior to joining UBS in 2013, he worked as a wealth advisor in the Wealth Management division of First Interstate Bank for nine years.

Born and raised in Montana, Scott earned his undergraduate degree in sports medicine from Montana State University–Bozeman and holds a master’s degree in sports administration from Montana State University–Billings. Outside of the office, he can be found out on the state’s greatest waters fly-fishing or on the greens golfing. He enjoys spending time with his wife, Becky, and their two children.

• 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.

• Montana State University–Bozeman, Sports Medicine
• Montana State University–Billings, Master's Degree in Sports Administration

• CERTIFIED FINANCIAL PLANNER®
• Chartered Retirement Plans Specialist℠
• Wealth Advisor
• Senior Retirement Plan Consultant

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• CO
• FL
• ID
• IL
• LA
• MN
• MO
• MT
• ND
• NE
• NV
• OR
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• TX
• VA
• WA
• WY

Sandy has dedicated herself to expanding her knowledge of the finance industry to provide clients with tailored wealth management strategies. She works closely with clients during the planning process to develop a thorough grasp of their objectives while instilling realistic expectations and an understanding of the risks and rewards inherent in investments.  Sandy’s experience and skills in providing wealth management, retirement planning and financial services reflect her two-decade career in investment and banking. When it comes to managing client’s assets and the value of their portfolios, Sandy goes above and beyond by establishing trust, instilling confidence and building personal relationships. To serve her clients even better, she has earned the designation of Accredited Asset Management Specialist^SM. With this, Sandy specializes in asset management, insurance, taxation, risk, return and investment performance, retirement and estate planning issues. This diverse experience allows her to provide across the spectrum while focusing on trade executions, portfolio construction and implementation, and investment research.

A Montana native, Sandy is active in the local community: she not only belongs to the Philanthropic Education Organization, but sits on the board for the nonprofit Dress for Success. She is a passionate runner who often competes in races for charity. 

• Accredited Asset Management Specialist
• Accredited Wealth Management Advisor℠

• AZ
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• ND
• TX
• WY

Jackson is a CERTIFIED FINANCIAL PLANNER™ and a key member of the Montana Wealth Advisors team at UBS. Since joining in 2021 as a Client Service Associate, Jackson quickly advanced, leveraging his finance and banking background to support the team administratively before transitioning into his current role as a Wealth Strategy Associate.

In this role, Jackson plays an integral part in guiding clients through various aspects of wealth management, including financial planning, investment and cash management, alternative investments, financial reporting, and client relationship management. His expertise in these areas, along with his deep understanding of team operations, provides a strong foundation for delivering tailored financial strategies that align with clients’ goals.

Jackson earned a Bachelor of Science in Finance & Economics from the University of Montana and holds his Series 7 and 66 securities licenses, as well as a Life, Accident & Health, and Variable Life/Variable Annuities Agent license.

Beyond his professional work, Jackson is passionate about giving back to the community and actively volunteers with Montana Special Olympics. In his free time, he enjoys playing golf and spending quality time with family and friends.

• University of Montana , Finance & Economics

• CERTIFIED FINANCIAL PLANNER®

• AL
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Jennifer specializes in client support for Todd Vralsted along with the role of Team Administrator. Jennifer provides comprehensive client service in all aspects of account administration and operations, in addition to supporting the team's business development and marketing efforts. Jennifer holds her Series 7 and 66 licenses. 

• AZ
• MT
• TX
• WY

Lani specializes in client support for Kevin Fiscus. She focuses on responding to client needs and assists with all client administrative and operational support. Lani enjoys getting to know clients personally and is dedicated to delivering the best service possible. Lani holds her Series 7 and 66 licenses. 

• AZ
• CO
• MT
• ND
• WY

Laura specializes in client support for Sandy Berkram and Scott Hatler in addition to being the team's 401k liaison. Laura is focused on client service and execution. She is responsible for day-to-day operations of the practice and providing clients a superior experience. Laura holds her Series 7 and 66 licenses. 

• AZ
• CO
• ID
• MT
• WA
• WY

As a client service associate, Erin specializes in client support for William Royer.  She works in all areas of client service, providing clients with account-related details, including preparation of statements, portfolio reviews, and tax documents.  She also supports the team in operational and administrative services, providing backup support in processing cash management and coordinating/scheduling meetings for the team.  Erin holds her series 7 and 66 securities license.