Let's move forward. Together.

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Michael P. Ritacco, Director, joined UBS Financial Services in October 2013. Mike works with families, foundations & businesses establishing strategies that grow, protect, and distribute wealth in the most tax efficient manner. Through his teamwork, they leverage their capabilities and resources to fully assist clients with Private Family Office Services. Drawing on his experience and global resources, Mike develops personalized solutions to address the complex needs of his clients. Those strategies include but are not limited to portfolio development, estate planning working in conjunction with client family advisors, retirement and education planning, life insurance analysis, liability and debt management, plus a full complement of multi-generational wealth preservation services.

Michael resides in Point Pleasant, NJ with his three children Grace, Michael and Lily.  He is an active supporter of community programs in Ocean and Monmouth counties.  Michael is currently the Board Chair for the Toms River Field of Dreams as well as Board Chair of the Ocean County YMCA. 

• Forbes Best-in-State Wealth Advisors, 2023The 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.
• Forbes Best-in-State Wealth Management Teams, 2023The 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.

• Franklin & Marshall College, BS in Business Administration: 1996 - 2000

• Senior Portfolio Manager
• Chartered Retirement Planning Counselor
• Director

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As, Director of Investments, Fred develops long-term advisory relationships with each client to meet their unique needs and investment objectives. Drawing on his industry experience, the support of UBS Strategic Partners, and top-rated research, he offers his clients personalized solutions to address their complex financial needs, such as, integrated financial planning, a financial strategy design and development, and a disciplined wealth management process, working with clients regarding retirement and estate planning issues in conjunction with family advisors, and wealth preservation.

Fred is married with five children and is a resident of Toms River.  He also serves as a member of the Board of Directors and Finance Team at The Church of Grace and Peace in Toms River.

• Forbes Best-in-State Wealth Management Teams, 2023The 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.

• Senior Portfolio Manager
• Director

As an experienced and trusted financial advisor, Richard provides tailored wealth management strategies to pre-retired and retired clients. His process begins by fully understanding client’s wealth goals while focusing on key areas of financial concerns. With sound resources provided by UBS Financial Services Inc., we will build a solid individualized investment plan for today and the future.

While helping clients meet their financial needs, Richard can guide you through planning your retirement, saving for your children’s or grandchildren’s education, or looking to preserve your wealth for the next generation.

Before entering the financial services industry, Rick graduated from Rider College with a degree in Finance and worked as a Financial Advisor with Butcher and Singer. Now a First Vice President - Wealth Management at UBS.

Richard's mission is to help each one of his clients plan for a financial future in a way that best meets his or her goals. And the commitment doesn’t end there, Rick has been an active member of the local community for nearly 25 years and is currently involved with The Ocean County College Foundation.

Richard and his wife Michele enjoy their time out of the office in Forked River.

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Luella started working at EF Hutton in 1983, while going to school at night at Bergen Community College.  She then spent 25+ years at Merrill Lynch and has been at UBS since 2012.  She is responsible for much of the administrative day to day client needs.  Luella has 2 children in college in NJ and lives with the family dog, Grazie, in Greenville SC.  She loves reading, baking and exploring the foothills and mountains of NC and SC.

Angela joined UBS Financial Services in July 2022.  Prior to joining UBS Angela spent over 20 years working for hedge funds. Her time was spent in operations, control and compliance, and marketing and investor relations.  Angela’s background and capabilities will help provide support to the team and assist with client needs.

Angela received a Master of Business Administration from Monmouth University in New Jersey in 2004 and a B.S. in Business Administration with a concentration in finance and international business from Villanova University in Pennsylvania in 2000.

Angela resides in Toms River, NJ with her husband William, their children Gabriella and Cooper and their dog Luna.