Experience

For almost 40 years, Paul has been helping clients navigate the complex world of financial and investment planning. In 1983, Paul joined Kidder, Peabody, where he managed fiduciary accounts including personal charitable trusts, endowments and pension plans. Now at UBS, the world's largest private bank, he manages a practice focused on comprehensive financial planning, and the management of both sides of a client balance sheet - assets as well as liabilities.

Paul earned a B.A. in political science from Marymount Manhattan College, and the Accredited Investment Fiduciary (AIF®) designation from the Center for Fiduciary Studies. Paul chaired the Board of Trustees at Franklin University Switzerland which awarded him an honorary doctorate in 2011 in recognition of his support for international, cross-cultural education.  He is also a Trustee Emeritus of Marymount Manhattan College, and of Hildene – The Lincoln Family home in Vermont. Paul is a member of the Association of Governing Boards, and fi360, the world's foremost authority  on the Fiduciary Standards of Care.

A native New Yorker, Paul is married with two grown children.

Professional Licenses, Certifications & Titles:

Series 7 - General Securities License (FINRA)

Series 65 - Multi-State

Series 66 - Separately Managed Accounts

Series 3 - Commodities

Insurance - Life and Health -

CA Insurance Number 0H43727

AIF^® - Accredited Investment Fiduciary 

Certified Exit Planning Advisor (CEPA)

Wealth Management Education Certificate - UBS Professional Educational Program

"Wealth Advisor" Designation - UBS Professional Credential certifying thorough competence in all aspects of balance sheet management, financial and investment planning. 

David is a CERTIFIED FINANCIAL PLANNER ™ and CERTIFIED INVESTMENT MANAGEMENT ANALYST (CIMA^®).  David has over 30 years of investment experience that includes research, Public Finance, and wealth planning for affluent families, individuals, corporate executives, foundations, and endowments.  He joined Kidder, Peabody in 1987, where he formed a team with Paul Lowerre to begin their planning–based practice.  In 1994, the team moved to PaineWebber, which was acquired by UBS in 2000.  In 2003, David was asked to join UBS' Equity Plan Advisory Services team, a specialized advisory network within UBS which serves the executives of UBS' corporate client base.  In his role, David handles complex compensation structures that often accompany corporate clients by incorporating them in complete Financial Plans.  Preparing for retirement and organizing a trust and estate plan are primary objectives for many of these clients.

David holds a B.A in History with a Business Minor from Hofstra University.  He has studied at the New York Institute of Finance at Baruch College and the Wharton School of Business.  David is a member of the CFA Institute, The New York Society of Security Analysts (NYSSA) and the Investment Management Consultants Association (IMCA).  He is a member in good standing with the CFP board that bestows the designation of CFP. 

A native Long Islander, David resides in Huntington, NY with his wife Cindy. 

Professional Licenses, Certifications & Titles:

Series 7 - General Securities License (FINRA)

Series 31 - Futures Managed Funds Examination

Series 63 - Uniform Securities Agent State Law Examination

Series 65 - Uniform Investment Adviser Law Examination

Insurance - Life and Health -

Certified Financial Planner (CFP^®) Designation

Certified Investment Management Analyst (CIMA^®)

Certified Exit Planning Advisor (CEPA)

Wealth Management Education Certificate – UBS professional educational program

Nikita Stern is passionate about her role as the first line of contact for clients of Lowerre & Palmer Wealth Management. As the team administrator and the client service specialist, Nikita strives to develop a deep and broad understanding of the set of expectations and preferences unique to each client relationship. Attention to detail and a natural drive to solve problems are hallmarks of Nikita's administrative style. Clients come to rely on her assistance, and they appreciate her dedication to their peace of mind.

Nikita has ten years experience in the financial services industry and over twenty years in client/customer service. She earned a BS in Business Management and Human Resources at Fairleigh Dickenson University.

Nikita enjoys living New Jersey with her husband and two daughters.

Focused on supporting clients of Lowerre & Palmer in the proposal and review process, Maddie keeps clients' financial planning information fresh and current. She also coordinates marketing and social media content for the team. Maddie graduated from Denison University with a B.A. in Economics. While attending Berkshire School in Sheffield, MA, she completed a semester abroad studying at the American School of Madrid in Spain, where she became proficient in Spanish. Additionally she attended CIEE Global Institute in Berlin, Germany, completing a semester of global financial studies with a focus on business ethics.

Previously an intern for the Lowerre & Palmer Wealth Management group, Maddie now works full time as a Registered CSA  after earning her Series 7 and Series 66 licenses.

In her free time, Maddie enjoys surfing, biking and spending time at the beach.

Professional Licenses, Certifications & Titles:

Series 7 - General Securities Representative License (FINRA)

Series 66 –Uniform Combined State Law (NASAA)

Chartered Retirement Planning Counselor (CRPC)- College for Financial Planning Designation

Corporate Stock Benefit Analyst