Retirement planning. It's about time.

Meeting with presenter

Retirement isn’t just about the year you stop working, it's about you, your lifetime of hard work, your family and the lifestyle you want to preserve. Most important, it’s about feeling confident about the future – for many years to come. We believe retirement confidence begins with a plan.

Three Business people

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.

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    Sandra Manzella

    Senior Vice President–Wealth Management

    Financial Advisor

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    • AZ
    • CA
    • CO
    • CT
    • DC
    • FL
    • IL
    • MA
    • ME
    • MI
    • MN
    • MT
    • NC
    • NH
    • NY
    • PA
    • TN
    • VT

    Sandra L. Manzella is a Senior Vice President-Investments and Senior Portfolio Manager with the investment firm UBS Financial Services Inc. She holds two Bachelor of Arts degrees from Holy Cross, has completed a two-year curriculum with the College of Financial Planning for the professional designation of Certified Financial Planner, and in 2012 earned the designation of Certified Portfolio Manager in association with Columbia Business School. Ms. Manzella has also completed a Masters of Science with a concentration in wealth management through the National Endowment for Financial Education.

    • Forbes America’s Top Women Wealth Advisors, 2020, 2021The Forbes rating is compiled by Shook Research and awarded annually in February based on information from a 12 month period ending September of the prior year.
    • Forbes Best-in-State Wealth Advisors, 2021, 2022The 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 Women Wealth Advisors, 2020, 2021, 2022, 2023The Forbes rating is compiled by Shook Research and awarded annually in February based on information from a 12 month period ending September of the prior year.

    • Holy Cross, Two Bachelor of Arts
      One Post Office Square
      32nd and 33rd floors
      Boston, MA 02109
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      Richard Karoff

      Client Associate

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      • MA

      Richard Karoff earned a Bachelor of Arts in Economics from the University of Michigan. He spent three years as an officer in the Navy, serving two tours of duty in the Korean War. In 1956 Richard joined PaineWebber and became a partner. After 38 years with PaineWebber, Richard spent the next 18 years as a director at Oppenheimer & Company. Today, Richard continues his charitable work as a member of the Dimock Community Health Care Center's Foundation Board. In September 2012, Richard rejoined UBS Financial Services, Inc. (PaineWebber's successor firm) and became an integral part of business development for the Pinnacle Financial Group.

        • University of Michigan, Bachelor of Arts in Economics
          One Post Office Square
          32nd and 33rd floors
          Boston, MA 02109
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          Kristina Folan

          Assistant Vice President

          Wealth Strategy Associate

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          • CA
          • CO
          • CT
          • FL
          • HI
          • IL
          • MA
          • ME
          • MN
          • NY
          • PA
          • TN
          • TX

          Kristina M. Folan, Assistant Vice President and Relationship Manager brings 15 years of experience as a Wealth Management Technical Analyst with UBS Financial Services, Inc. to our group. Kristina specializes in asset allocation analysis and developing investment recommendations for high net worth and institutional clients. Kristina graduated with a Bachelor of Science degree in Finance from Bentley University, Waltham, MA and a Master of Business Administration degree with a concentration in Finance from Suffolk University, Boston, MA. She also holds the Series 7, General Securities Representative license and the Series 66, Uniform Combined State Law license.

            • Bentley University, Waltham, MA, Bachelor of Science degree in Finance
            • Suffolk University, Boston, MA, Master of Business Administration Degree with a Concentration in Finance
              One Post Office Square
              32nd and 33rd floors
              Boston, MA 02109

            The circular economy: What is it?

            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.

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