Insight-based advice

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.

Michael Raho

Senior Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- IN
- LA
- MA
- MD
- MI
- MN
- NC
- NH
- NJ
- NV
- NY
- OK
- OR
- PA
- SC
- TX
- VA
- VT
- WA
Michael has been a Financial Advisor for over 45 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
Justin Raho

Senior Vice President–Wealth Management

CERTIFIED FINANCIAL PLANNER™
View bio Industry recognition
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- LA
- MA
- MD
- ME
- MI
- MN
- NC
- NH
- NJ
- NV
- NY
- OK
- OR
- PA
- RI
- SC
- TN
- TX
- VA
- VT
- WA
- WI
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. Justin's roles include developing personalized financial plans, collaborating with other advisors (tax, estate, insurance, liability, etc.), investment management and client reviews. Having spent over 15 years at UBS, his focus is on optimizing the tax efficiency within our clients' portfolios and throughout various aspects of their financial plan.

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, 2022, 2023The 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, 2022, 2023, 2024The 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
Vera Lotocky

Senior Client Associate
View bio
Vera is a Senior Client Service Associate handling all administrative and operational needs along with a variety of other areas for our clients. Vera has been with UBS since 2002 holding various roles at the firm during her tenure, including a number of positions in operations, new accounts and her most recent roles as Branch Technology Liaison and Client Service Associate. Her prior knowledge and experience in those areas allow her to effectively help our clients in a variety of ways. Her vast experience and her attention to detail has proven invaluable to our clients. Vera lives in Cedar Knolls with her husband Taras and their two sons Nicholas and Lukas.
500 Campus Drive
Florham Park, NJ 07932

Michael Raho

Senior Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- IN
- LA
- MA
- MD
- MI
- MN
- NC
- NH
- NJ
- NV
- NY
- OK
- OR
- PA
- SC
- TX
- VA
- VT
- WA
Michael has been a Financial Advisor for over 45 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
Justin Raho

Senior Vice President–Wealth Management

CERTIFIED FINANCIAL PLANNER™
View bio Industry recognition
- AK
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- LA
- MA
- MD
- ME
- MI
- MN
- NC
- NH
- NJ
- NV
- NY
- OK
- OR
- PA
- RI
- SC
- TN
- TX
- VA
- VT
- WA
- WI
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. Justin's roles include developing personalized financial plans, collaborating with other advisors (tax, estate, insurance, liability, etc.), investment management and client reviews. Having spent over 15 years at UBS, his focus is on optimizing the tax efficiency within our clients' portfolios and throughout various aspects of their financial plan.

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, 2022, 2023The 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, 2022, 2023, 2024The 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
Vera Lotocky

Senior Client Associate
View bio
Vera is a Senior Client Service Associate handling all administrative and operational needs along with a variety of other areas for our clients. Vera has been with UBS since 2002 holding various roles at the firm during her tenure, including a number of positions in operations, new accounts and her most recent roles as Branch Technology Liaison and Client Service Associate. Her prior knowledge and experience in those areas allow her to effectively help our clients in a variety of ways. Her vast experience and her attention to detail has proven invaluable to our clients. Vera lives in Cedar Knolls with her husband Taras and their two sons Nicholas and Lukas.
500 Campus Drive
Florham Park, NJ 07932

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At UBS, excellence comes from nurturing the best of our heritage, mastering the details and delivering the expertise you need to turn your financial vision into a reality. The result? Financial advice that is finely crafted for what matters most to you.

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Michael Raho

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Vera Lotocky

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Vera Lotocky

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Why does A.I. in space matter?

ElectionWatch: The race, world, and investments

UBS and Credit Suisse—stronger than ever

Managing wealth is our craft

Backed by the strength of UBS

A global leader in wealth management

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