Insight-based advice

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Where are you today and where do you want to be tomorrow? We recognize that a lasting relationship starts by listening and understanding your priorities and concerns. We'll work together to look at the big picture, discuss your vision for the future and help you confidently pursue your life goals.

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Pursuing your goals together

Our mission is to provide quality strategies customized to your needs. Our goal is to be your primary source of financial advice. To this end, we concentrate our efforts on developing long-term relationships through a commitment to quality client service.

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    Michael Raho

    Senior Vice President–Wealth Management

    Financial Advisor

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    • AZ
    • CA
    • CO
    • CT
    • DC
    • DE
    • FL
    • GA
    • IL
    • IN
    • LA
    • MA
    • MD
    • MN
    • NC
    • NH
    • NJ
    • NV
    • NY
    • OK
    • OR
    • PA
    • SC
    • TX
    • VA
    • VT
    • WA

    Michael has been a Financial Advisor for over 40 years, having started his career at PaineWebber in 1977.  Michael has managed wealth successfully through various market cycles.  He believes in taking a risk-management approach when constructing investment allocations and portfolios for our clients.  As he has for the past four decades, Michael continues to take a holistic approach to wealth management for our clients and their families.  Michael's roles include investment management, client reviews, and trusted advisor coordination.

    Michael is a graduate of Ithaca College and currently lives in Alexandria Township, NJ with his wife Deborah.

      • Ithaca College
      • Senior Portfolio Manager
      500 Campus Drive
      Florham Park, NJ 07932
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      Justin Raho

      Senior Vice President–Wealth Management

      CERTIFIED FINANCIAL PLANNER™

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      • AZ
      • CA
      • CO
      • CT
      • DC
      • DE
      • FL
      • GA
      • IL
      • IN
      • LA
      • MA
      • MD
      • MN
      • NC
      • NH
      • NJ
      • NV
      • NY
      • OK
      • OR
      • PA
      • SC
      • TX
      • VA
      • VT
      • WA

      Prior to becoming a Financial Advisor, Justin spent several years at UBS as an analyst partnering with Financial Advisors and their clients on financial planning, asset allocation, and investment management. His CFP® (CERTIFIED FINANCIAL PLANNER™) and Wealth Advisor designations help provide guidance with some of the more complex aspects of our clients lives. Now in his 15th year at UBS, Justin's roles include developing personalized financial plans, collaborating with other advisors (tax, estate, insurance, liability, etc.), investment management, and client reviews.

      Justin is a graduate of Saint Joseph's University.  He currently lives in Basking Ridge, NJ with his wife Missy and their sons Tommy and Danny.

      • Forbes America’s Top Next-Gen (Generation) Wealth Advisors Best-in-State, 2022The Forbes rating is compiled by Shook Research and awarded annually between June and September based on information from a 12 month period ending in March of the award year.
      • Forbes Best-in-State Wealth Advisors, 2022The Forbes rating is compiled by Shook Research and awarded annually in April based on information from a 12 month period ending June of the prior year.

        • CERTIFIED FINANCIAL PLANNER™
        • Wealth Advisor
        500 Campus Drive
        Florham Park, NJ 07932
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        Vera Lotocky

        Senior Client Associate

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                500 Campus Drive
                Florham Park, NJ 07932

              The circular economy: What is it?

              Retirement planning

              Retirement planning

              Multigenerational planning

              Multigenerational planning

              Legacy—Wealth for others

              For needs that go beyond your own—to help you improve the lives of others

              What will your legacy be?
              It’s never too early to plan ahead. A Legacy strategy can help you gain more control over your financial future and what you leave behind, so you can move forward with confidence.

              Learn more at ubs.com/wealthway.

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              As of 06/30/2022

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