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.

  • Sandra Manzella

    Sandra Manzella

    Senior Vice President–Wealth Management

    CERTIFIED FINANCIAL PLANNER™

    • image
    • image
    • image
    • 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, 2022, 2023, 2024The 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 Top Women Wealth Advisors Best-in-State, 2022, 2023, 2024The 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
    • National Endowment for Financial Education, Master of Science with a concentration in wealth management
    • CERTIFIED FINANCIAL PLANNER™
    • Certified Portfolio Manager®
    One Post Office Square
    35th floor
    Boston, MA 02109
    sandra.manzella@ubs.com
    Sandra Manzella
    One Post Office Square,Boston,MA,02109
  • Richard Karoff

    Richard Karoff

    Senior Client Associate

    • image
    • image
    • 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
        35th floor
        Boston, MA 02109
        richard.karoff@ubs.com
        Richard Karoff
        One Post Office Square,Boston,MA,02109
      • Kristina Folan

        Kristina Folan

        Wealth Strategy Associate

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

        Kristina M. Folan, Relationship Manager has worked with the Pinnacle Financial Group for 17 years.  She builds tailored plans and strategies based on individual client needs, financial goals and risk tolerance. Kristina focuses on asset allocation analysis and portfolio performance reporting 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
            35th floor
            Boston, MA 02109
            kristina.folan@ubs.com
            Kristina Folan
            One Post Office Square,Boston,MA,02109
          • Joyce Pic

            Joyce Leung Charles

            Client Associate

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

            Joyce is a Senior Registered Client Service Associate and joined our team in 2021.  She has over 25 years experience in the financial services industry.  Joyce manages the day to day operations of The Pinnacle Financial Group with a focus on providing exceptional client service. She graduated from University of Massachusetts-Dartmouth with a Bachelor of Science degree in Finance. Joyce currently holds the Series 7, General Securities Representative license and the Series 63, Uniform Securities State Law license.

              • University of Massachusetts - Dartmouth, Bachelor of Science degree in Finance
                One Post Office Square
                35th floor
                Boston, MA 02109
                joyce.leung-charles@ubs.com
                Joyce Leung Charles
                One Post Office Square,Boston,MA,02109

              Why does A.I. in space matter?

              Outlook on interest rates

              Tree

              UBS and Credit Suisse—stronger than ever

              Global Wealth Report 2024

              Crafted wealth intelligence

              Now in its 15th edition, the Global Wealth Report 2024 offers you leading insights into household wealth and prosperity across the world. In the US, average wealth growth has spiked from 3.7% between 2000 and 2010 to nearly 6.3% between 2010 and 2023.

              Gain additional insights into the trends shaping wealth in the US and around the world.

              Download the report

              A leader in wealth management

              Backed by the strength of our parent company, UBS AG

              $5.8+ trn

              UBS Group invested assets
              As of 03/31/2024

              51 countries

              Our global footprint

              Global leader

              UBS is a leading and truly global wealth manager

              Insights