Experience

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.

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.

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.

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.