Retirement planning. It's about time.

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.

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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

Senior Vice President–Wealth Management

CERTIFIED FINANCIAL PLANNER®
View bio Industry recognition
- AZ
- CA
- CO
- CT
- DC
- FL
- IL
- MA
- ME
- MI
- MN
- MT
- NC
- NH
- NY
- OH
- 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
33rd Floor
Boston, MA 02109

sandra.manzella@ubs.com

Sandra Manzella

One Post Office Square,Boston,MA,02109
Richard Karoff

Senior Client Associate
View bio
- 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

Wealth Strategy Associate
View bio
- 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 Leung Charles

Client Associate
View bio
- 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

Sandra Manzella

Senior Vice President–Wealth Management

CERTIFIED FINANCIAL PLANNER®
View bio Industry recognition
- AZ
- CA
- CO
- CT
- DC
- FL
- IL
- MA
- ME
- MI
- MN
- MT
- NC
- NH
- NY
- OH
- 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
33rd Floor
Boston, MA 02109

sandra.manzella@ubs.com

Sandra Manzella

One Post Office Square,Boston,MA,02109
Richard Karoff

Senior Client Associate
View bio
- 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

Wealth Strategy Associate
View bio
- 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 Leung Charles

Client Associate
View bio
- 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

Turn possibilities into a plan

What’s really important to you—today and for the long term? UBS Wealth Way starts with questions and discussions that can help you organize your financial life into three key dimensions: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own.

^{UBS Wealth Way is an approach incorporating Liquidity. Longevity. Legacy. strategies that UBS Financial Services Inc. and our Financial Advisors can use to assist clients in exploring and pursuing their wealth management needs and goals over different time frames. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved. All investments involve the risk of loss, including the risk of loss of the entire investment. Time frames may vary. Strategies are subject to individual client goals, objectives and suitability.}

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UBS ElectionWatch

Election day is over. Now what?

Election Day is behind us, but questions still remain. How will my portfolio be affected? What can I do now to secure my financial future?

Let’s work together to find the answers you need and the solutions that best suit your plan. Contact us today and learn more about the election’s impact through our comprehensive ElectionWatch coverage.

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Retirement planning. It's about time.

Pursuing your goals together

Sandra Manzella

Richard Karoff

Kristina Folan

Joyce Leung Charles