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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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Your primary source for financial advice

We are here to provide quality strategies customized to your needs. We concentrate on developing long-term relationships through a commitment to quality client service. You can rely on our personalized advice, first-class solutions, and extensive wealth management experience.

  • Scott White

    Scott D. Jones, CFP®

    Senior Vice President–Wealth Management

    Financial Advisor

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    • AK
    • AL
    • CA
    • CO
    • FL
    • GA
    • IA
    • IL
    • IN
    • KY
    • MA
    • MI
    • MS
    • NJ
    • NV
    • NY
    • OH
    • OK
    • RI
    • SC
    • TN
    • TX
    • VA
    • WA

    Scott leads the team as an investment advisor and a Certified Financial Planner™ professional working primarily with high net worth individuals & families, business owners and corporate executives. Through comprehensive financial analysis & planning he guides his clients through all aspects of their financial lives. Much of his focus is on retirement planning, estate planning and tax minimization strategies. With 31 years of experience navigating the capital markets, he has developed a disciplined investing strategy & approach to address the unique needs and objectives of wealthy investors. His philosophy focuses on growth driven by proper asset allocation and preservation of capital through a well-designed liquidity strategy.

    Prior to joining UBS, Scott was a Financial Advisor with Merrill Lynch, where he also served in the role of Financial Consultant In Charge, Sales Manager for the Cincinnati Complex, and Resident Manager for the Blue Ash, OH associate office. In these leadership roles he provided regulatory supervision and coaching for numerous financial advisors.

    A graduate of the University of Cincinnati with a B.B.A. in finance, Scott holds Series 7, 8, 63, and 65 securities licenses and is insurance licensed. In 2012, he earned the Certified Financial Planner™ designation. Outside of the office, Scott remains active and engaged in his hobbies including tennis, golf, woodworking, boating and hunting. He currently resides in Anderson Township with his wife, Lorraine, of 36 years.

    • Forbes Best-in-State Wealth Management Teams, 2024The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

    • University of Cincinnati, B.B.A. Finance
    • CERTIFIED FINANCIAL PLANNER™
    Financial planning
    Long-term care planning
    Estate planning strategies
    Business succession
    Investing
    Asset allocation
    Exit planning
    Multi-generational families
    8044 Montgomery Road
    Suite 100W
    Cincinnati, OH 45236
  • Nick

    Nicholas Ruch, CFP®, CEPA®, CPWA®

    Financial Advisor

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    • AK
    • AL
    • CA
    • CO
    • FL
    • GA
    • IA
    • IL
    • IN
    • KY
    • MA
    • MI
    • NJ
    • NV
    • NY
    • OH
    • OK
    • RI
    • SC
    • TN
    • TX
    • VA
    • WA

     

    As a Financial Advisor, Nicholas is dedicated to enhancing the relationships and impact we have with clients. Leveraging his deep knowledge of retirement, tax and estate planning opportunities, he enjoys guiding clients as they navigate the complexities of building, protecting, and passing on substantial wealth to their families.

    He enjoys taking on new challenges and is dedicated to seeking the latest knowledge & tactics to help clients achieve their goals & vision for their family’s future. Over the course of his career, he has earned the Certified Financial Planner™ designation, the Certified Exit Planning Advisor® designation, and most recently the Certified Private Wealth Advisor® designation through the Yale School of Management.

    Prior to joining Pinnacle Wealth Management, he spent 3 years as the UBS Cincinnati Market’s Wealth Planning Analyst (WPA). As a WPA his clients were the firm’s financial advisors, with whom he partnered to lead their team’s financial planning process. The time spent in this role helped shape his belief that the best relationships are created by asking the right questions, and developing & executing a strategy focused on achieving purposeful, desired outcomes.

    Nicholas graduated from The Ohio State University's Fisher College of Business with a B.S. in Business Administration with specializations in Finance and Information Systems. Additionally, he was involved in OSU’s Student Financial Planning Association and the Sigma Chi Fraternity.

    He resides in Cincinnati with his wife Brittany and daughters Elena and Cameron. He is proud to be a board member for the Chair Force 1 Foundation. In his free time he enjoys spending time with family and friends, exploring his home town of Cincinnati, playing guitar and traveling to his favorite places – Norris Lake, Charleston SC, and Colorado.  

    CA License: 2114178

    • Forbes Best-in-State Wealth Management Teams, 2024The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

    • The Ohio State University, B.S.B.A Finance and Information Systems
    • CERTIFIED FINANCIAL PLANNER™
    • Certified Private Wealth Advisor®
    • Certified Exit Planning Advisor
    Financial planning
    Asset allocation
    Investing
    Business succession
    Exit planning
    Estate planning strategies
    Multi-generational families
    Long-term care planning
    8044 Montgomery Road
    The Towers At Kenwood
    Cincinnati, OH 45236
  • Beth White

    Beth Fitzwater

    Senior Client Associate

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    • CA
    • FL
    • GA
    • IL
    • IN
    • KY
    • MA
    • MI
    • NJ
    • NY
    • OH
    • OK
    • SC
    • TN

    Beth is a true expert in her role. She brings more than 35 years of experience to the team. Her leadership, dedication, persistence and hard work every day help the team run smoothly. She began her career at Shearson Lehman Brothers before moving to trust administration at US Bank. In 1999, she joined Gradison McDonald Investments which was later acquired by UBS Financial Services in 2007.

    Beth leads and manages all facets of the team’s operational and client administrative objectives. Her core responsibilities include onboarding new relationships, account administration, managing clients’ cash flow needs & banking services, and estate administration.

    She is a graduate of Wilmington College with a B.A. in business management. She holds the Series 7, 63 and 65 securities licenses.  Outside of work, she enjoys teaching Jazzercise, hiking, traveling, volunteering, and spending time with family and friends.

      • Wilmington College, B.A. Business Management
        Banking
        Lending services
        Cash management
        Securities-backed lending
        8044 Montgomery Road
        Suite 100W
        Cincinnati, OH 45236
      • Zach White

        Zach Werner

        Wealth Strategy Associate

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        • AK
        • AR
        • CO
        • FL
        • GA
        • IA
        • IL
        • IN
        • KY
        • MI
        • NJ
        • NV
        • OH
        • PA
        • SC
        • TN
        • TX
        • WA
        • WV

        As a Wealth Strategy Associate, Zach helps drive our team’s mission to deliver extraordinary service, financial planning, and goals-based investment guidance to our clients.

        Zach joins us from Merrill Lynch where he spent 3 years as a Financial Solutions Advisor, working one on one with clients to provide solutions for their needs within banking, cash flow analysis, financial planning, and long-term investing. During the pandemic, Zach pivoted within Bank of America to serve small business owners in need of securing funding through the federal paycheck protection program.

        Zach was born and raised here in Cincinnati in the Loveland area. He graduated from Archbishop Moeller High School where he played lacrosse for four years. After graduating from Moeller, he continued his education at the University of Cincinnati where he double majored in Economics and Environmental Studies. Zach played club lacrosse at UC and joined the Pi Kappa Alpha fraternity where he held various leadership roles. Upon graduation, he took a job as a deck hand on a sport fishing charter in Homer, Alaska. Zach returned to Ohio in the fall of 2019 and began his career in the financial services industry.

          • University of Cincinnati, B.B.A. Economics and Environmental Studies
            8044 Montgomery Road
            Cincinnati, OH 45236

          The proof is in our numbers

          $300 Million

          Assets under management

          75

          Collective years of experience

          2

          Advisors on the team


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