The right path toward retirement

Retirement isn’t just about the year you stop working, it's about you, your lifetime of hard work, your family and the lifestyle you want to preserve. Most important, it’s about feeling confident about the future – for many years to come. We believe retirement confidence begins with a plan.

Couple surfboards

Richard Coltrera, CFP

Senior Vice President–Wealth Management

Financial Advisor

Rick is a CERTIFIED FINANCIAL PLANNER™ (CFP®) with over 30 years experience in the financial services industry. Prior to joining UBS, he was associated with Merrill Lynch. Rick uses financial planning as the foundation of his clients' portfolio strategies. Rick earned an M.B.A. in finance and has completed the UBS Wealth Management education program. Outside of the office, he has been active in many community organizations, including Westfield Foundation, the Westfield YMCA and many youth sports programs. Rick and his wife Margie reside and raised their family in Westfield, NJ.

Registered States:
  • CA
  • CO
  • CT
  • DE
  • FL
  • GA
  • IL
  • IN
  • KY
  • MA
  • MD
  • ME
  • NC
  • NH
  • NJ
  • NY
  • OH
  • PA
  • PR
  • SC
  • TX
  • UT
  • VA
  • WI


  • M.B.A. Finance, Pace University Lubin School of Business
  • B.S. Business Administration, University of Rhode Island


  • Senior Portfolio Manager
109 North Avenue
2nd Floor
Westfield, NJ 07090
  • (908) 789-3167

Email Me

Focus on liquidity management

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UBS and Credit Suisse—stronger than ever

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

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$3.9 trillion

In invested assets globally 
As of 12/31/2022

51 countries

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UBS is a world-leading wealth manager