Insight-based advice

No matter what your age, or where you are on your planning journey, we can help steer you down the right path toward retirement. We will work with you to build the foundation of your plan. Over time, as life or market circumstances change, we will work with you to adjust your plan where and when needed. When it comes to retirement planning, it's never too early to start.

Boardwalk ocean

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. In 2012, P.J. moved his practice from Morgan Stanley to UBS Financial Services. P.J. provides advisory 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 the vast resources of UBS. 

P.J.'s passion is helping clients make smart decisions by delivering customized strategies that help meet clients’ unique financial needs and a dynamic and personalized approach to their goals as they evolve over time.

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 open architecture investment solutions. 

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. holds Series 7 and 66 securities licenses, as well as licenses for life, health, and long-term care insurance and variable annuities.

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


  • B.S. Finance, The University of Maryland, Robert H. Smith School of Business

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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A focus on personalized access and service

Working with diverse clients with specific needs, our team sees it as our top responsibility to understand each aspect of your unique and often complicated financial life.

Family offices

Family offices

Goals-based planning

Goals-based planning

Sustainable investing

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

$2.8 trillion

In invested assets globally 
As of 06/30/2022


For Ultra-High Net Worth clients

Euromoney Private Banking and Wealth Management Survey, 2016-2022