Insight-based advice

We believe that good financial planning advice is invaluable—it helps prepare you for whatever life brings. But it is especially important during times of major life change. Our process focuses on you and the priorities, goals, concerns and beliefs that will ultimately impact your financial well-being for years to come. We're here to help you tackle your concerns and embrace the opportunities that can enrich and empower you today and for years to come.

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P. Justin "P.J." Pearlstone

P.J. is a Senior Vice President - Wealth Management for UBS Financial Services Inc. in Baltimore, Maryland with over 15 years of experience as an investment professional in the financial services industry. P.J. provides wealth management services to a wide range of clients including high net worth families, institutions, business owners, nonprofit foundations and endowment funds who benefit from his years of experience and deep understanding of the financial markets.

His practice specializes in custom portfolios as well as the ability to overlay alternative investments, including hedge funds, private equity, real estate and structured solutions. P.J. approaches each client with an customized investment process that keeps the client's goals at the forefront by developing personalized wealth planning strategies. He provides investments based on each client’s goals and risk profile while utilizing the vast resources of UBS. P.J. holds Series 7 and 66 securities licenses, as well as licenses for life, health, and long-term care insurance and variable annuities.

A native of Baltimore, P.J. attended The Park School and earned his degree in finance from The University of Maryland, Robert H. Smith School of Business. P.J. lives in Baltimore with his wife, Karen, and their two children: Zach and Jordan.

P.J. is an active leader in his community serving in many different volunteer roles over the years. He was 2013 recipient of The Harry Greenstein Young Leadership Award from The Associated. Currently, P.J. is on the Board of Directors of The Associated: Jewish Federation of Baltimore and The Associated Jewish Charities of Baltimore. P.J. also serves on the investment committee for The Associated and The Park School of Baltimore. P.J. is a past President of The Pearlstone Center and has served on the Board of Directors at Sinai Hospital, The JCC of Greater Baltimore, and as a Trustee for Beth Tfiloh Dahan Community School.

Registered States:
  • AZ
  • CO
  • DC
  • FL
  • MD
  • MI
  • NY
  • SC
  • TX

Our advice is comprehensive. We help diverse clients in a broad range of areas, including:

Custom portfolios
Financial planning
Alternative investments
Family Offices
Lending services
Impact investing
Structured products
500 East Pratt Street
11th Floor
Baltimore, MD 21202
  • (410) 576-3213

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Connecting you to the deep resources of UBS

By seeing the big picture, we provide access to the global platforms and the financial and intellectual strengths of UBS’s experts in Wealth Management, Asset Management and our Private and Investment Banks.


Investment Management

Family offices

Family offices

Goals-based planning

Goals-based planning

Life is unpredictable. Could we be better prepared?

For some of life's questions you're not alone. Together we can find the answer.

With so much changing every day, it's hard to know how our lives will be affected. What will the changes mean for your family? Your business? Your future? We can help you get your plan in place.


Backed by the strength of UBS

A global leader in wealth management

More than 150 years

offering financial advice

$3.9 trillion

In invested assets globally 
As of 12/31/2022


For Ultra-High Net Worth clients

Euromoney Private Banking and Wealth Management Survey, 2016-2020