Knowledge

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.

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.

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.

Kevin holds two decades of industry experience in wealth management and has built his career specializing in financial and investment solutions. His focus includes retirement planning, estate and wealth transfer solutions and education planning. As the team’s lead 401(k) consultant, Kevin is a key member of the Montana Wealth Advisor team. He works closely with businesses and plan sponsors to help develop customized retirement plan solutions and educate participants about asset allocation, investment choices and planning for retirement. With this responsibility, he takes pride in guiding clients through market updates, investment performance and portfolio strategy. Kevin is constantly keeping up with the market, staying ahead in his investment approach by accessing all the research platforms UBS has to offer. Through careful planning, systematic reviews and frequent communication, Kevin excels at delivering superior financial planning advice and highly personalized service.

Kevin earned his bachelor of science degree in mechanical engineering from Montana State University. He is an ardent outdoorsman who enjoys all the adventures his home state has to offer. Kevin also dedicates his spare time to helping and improving the Billings community.

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. 

Jackson joined UBS and the Montana Wealth Advisors team in 2021 as a Client Service Associate. Prior to UBS, Jackson was a credit analyst at Stockman Bank. He grew quickly within the team, bringing his finance and banking background to aid in administrative support to the team. After becoming fully registered, Jackson transitioned into a Wealth Strategy Associate. He works with the team to implement financial plans that help our clients feel confident, comfortable, and prepared for the future. In addition, Jackson holds many responsibilities that vary from cash management and processing functions, client communication, support in alternative investments, and preparation of financial reports and other materials for client meetings. All of this knowledge and experience provides an ideal foundation for work as a Wealth Strategy Associate.

Jackson is a proud graduate of University of Montana, earning a Bachelor of Science degree in Finance & Economics. In his spare time, Jackson is a Volunteer for Montana Special Olympics and enjoys golfing. Jackson holds his Life, Accident & Health, Variable Life/ Variable Annuities Agent license, his Series 7 and 66 securities license.  

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. 

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. 

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. 

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.