How will we work together?

Build a plan for the future you envision

The Garnett Group offers a balanced point of view as you face important life events, navigate retirement or plan your legacy. Our team is committed to each generation of your family, providing comprehensive wealth management and personalized investment guidance.

We bring you the innovative thinking you need to meet your financial challenges and the integrated planning to pursue your goals. That commitment forms the foundation of our values.

Our comprehensive perspective helps define wealth management

Advanced planning + Investment management + Relationship management

Get started on planning

We believe that smart advice, a quick response and great service engender trust. Families count on our ongoing planning to help them feel confident about their financial future.
- Scott Garnett

Recognized as an industry leader

Scott Garnett, CFP®, CPM®, Forbes Best-in-State Wealth Advisors, 2018, 2019, 2020, 2021, 2022
The Forbes rating is awarded annually in January or February and is based on information from June of the prior year to June of the award year. The advisor paid a fee to display the rating logo in connection with the award.

Eligibility is based on quantitative factors and is not necessarily related to the quality of the investment advice. For more information on third party rating methodologies, please visit ubs.com/us/en/designation-disclosures

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.

Scott Garnett, CFP, CPM

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IA
- IL
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- SD
- TN
- TX
- VA
- VT
- WA
- WI
- WV
- WY
Scott has been a financial advisor at UBS in Richmond since 1998. A native of Albemarle County, VA, he graduated from Radford University in 1997 with a degree in Finance and earned the designation of Certified Financial Planner™ in 2003. He has completed the rigorous Portfolio Management Program (PMP) at UBS and was promoted to Senior Vice President in 2013. He has completed the Columbia Value Investor Course in 2018, the Series 7, 63, and 65 securities exams to be registered as a General Securities Representative and an Investment Advisor and is a licensed insurance agent.
- Barron's Top 1,200 Financial Advisors, 2022, 2023
  The Barron's rating is awarded annually in March and is based on information from the prior year Q3.
- Forbes Best-in-State Wealth Advisors, 2018, 2019, 2020, 2021, 2022, 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.
- Radford University, Finance
- CERTIFIED FINANCIAL PLANNER™
- Certified Portfolio Manager®
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219
Ashley Costanzo, CRPC®

Senior Wealth Strategy Associate
View bio
- FL
- MA
- MD
- NC
- NH
- NY
- OR
- PA
- SC
- SD
- TX
- VA
- WA
- WV
- WY
Ashley graduated from Virginia Commonwealth University in 2010 and has worked in banking and financial services in the Richmond area. She has earned the Chartered Retirement Planning Counselor designation, passed her Series 7 and Series 66 exams, and serves as a Virginia Notary Public. She and her husband, Jason, live in Chester. She is using her experience to passionately serve our clients.
- Virginia Commonwealth University
- Chartered Retirement Planning Counselor℠
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219
Carrie Urban

Client Associate
View bio
- VA
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219
April Garnett

Client Associate
View bio
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219
Frederick Dunning

Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AL
- AR
- AZ
- CA
- CT
- DE
- FL
- GA
- IA
- IL
- KY
- LA
- MA
- MD
- MI
- MS
- NC
- NH
- NJ
- NY
- OH
- OR
- PA
- SC
- SD
- TN
- TX
- VA
- WV
- WY
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219
Daniel Scott

Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AL
- AR
- AZ
- CA
- CT
- DE
- FL
- GA
- IA
- IL
- KY
- LA
- MD
- MI
- MS
- NC
- NH
- NJ
- NY
- OH
- OR
- PA
- SC
- SD
- TN
- TX
- VA
- WY
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219

Scott Garnett, CFP, CPM

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IA
- IL
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MS
- NC
- NH
- NJ
- NV
- NY
- OH
- OR
- PA
- SC
- SD
- TN
- TX
- VA
- VT
- WA
- WI
- WV
- WY
Scott has been a financial advisor at UBS in Richmond since 1998. A native of Albemarle County, VA, he graduated from Radford University in 1997 with a degree in Finance and earned the designation of Certified Financial Planner™ in 2003. He has completed the rigorous Portfolio Management Program (PMP) at UBS and was promoted to Senior Vice President in 2013. He has completed the Columbia Value Investor Course in 2018, the Series 7, 63, and 65 securities exams to be registered as a General Securities Representative and an Investment Advisor and is a licensed insurance agent.
- Barron's Top 1,200 Financial Advisors, 2022, 2023
  The Barron's rating is awarded annually in March and is based on information from the prior year Q3.
- Forbes Best-in-State Wealth Advisors, 2018, 2019, 2020, 2021, 2022, 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.
- Radford University, Finance
- CERTIFIED FINANCIAL PLANNER™
- Certified Portfolio Manager®
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219
Ashley Costanzo, CRPC®

Senior Wealth Strategy Associate
View bio
- FL
- MA
- MD
- NC
- NH
- NY
- OR
- PA
- SC
- SD
- TX
- VA
- WA
- WV
- WY
Ashley graduated from Virginia Commonwealth University in 2010 and has worked in banking and financial services in the Richmond area. She has earned the Chartered Retirement Planning Counselor designation, passed her Series 7 and Series 66 exams, and serves as a Virginia Notary Public. She and her husband, Jason, live in Chester. She is using her experience to passionately serve our clients.
- Virginia Commonwealth University
- Chartered Retirement Planning Counselor℠
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219
Carrie Urban

Client Associate
View bio
- VA
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219
April Garnett

Client Associate
View bio
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219
Frederick Dunning

Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AL
- AR
- AZ
- CA
- CT
- DE
- FL
- GA
- IA
- IL
- KY
- LA
- MA
- MD
- MI
- MS
- NC
- NH
- NJ
- NY
- OH
- OR
- PA
- SC
- SD
- TN
- TX
- VA
- WV
- WY
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219
Daniel Scott

Vice President–Wealth Management

Financial Advisor
View bio
- AK
- AL
- AR
- AZ
- CA
- CT
- DE
- FL
- GA
- IA
- IL
- KY
- LA
- MD
- MI
- MS
- NC
- NH
- NJ
- NY
- OH
- OR
- PA
- SC
- SD
- TN
- TX
- VA
- WY
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219

Advanced planning

A road map for each stage of life

Our sustainable planning approach seeks to understand you and your family’s current needs and helps make sure that today’s financial decisions match your long-term goals.

A financial plan should evolve with your needs. Our planning process helps bring confidence whether you are navigating life’s milestones, managing a business transition or planning your legacy.

Planning accreditations

Scott Garnett and Rob Turnbull are CERTIFIED FINANCIAL PLANNER™ professionals, and Ashley Enciso is a Chartered Retirement Plan Consultant®. Each has met stringent requirements, and together they provide a depth of planning acumen that can help enrich your understanding of all aspects of your financial life.

Investment management

Our team provides quality investment strategies tailored to your needs. With direct access to the global resources of UBS, we can help you weather market uncertainty with innovative perspectives, customized investment management and a fully integrated suite of financial solutions.

We are committed to building long-lasting relationships so we monitor and adjust your plan to make sure your investment strategy is continually optimized. This helps ensure we keep pace with fluctuating markets, changing tax laws and your evolving family needs.

Our Second Opinion Service

Are you getting the most from your current financial plan and investment strategy? If you would like a second opinion, we will meet with you and your family for a complementary discovery and wealth management plan meeting. Hopefully, we can confirm you’re on track to meet your goals. If needed, we’ll suggest ways in which we can help, including a personalized analysis of their current situation.

Relationship management

We are devoted to our clients, communicating regularly to set expectations, address concerns and resolve issues. Count on us to be:

Accessible—you set the level of communication that’s right for your situation
Collaborative—we work together to help keep you informed and avoid surprises
Responsive—we keep you up to date about decisions regarding your accounts

The Strength of UBS

Our access to the global reach of UBS—one of the largest wealth managers in the world—gives us the perspective, diverse strategies and relevant guidance to help you move forward with confidence.

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.

Backed by the strength of UBS

A global leader in wealth management

^$3.9 trillion

In invested assets globally
As of 12/31/2022

51 countries

Our global footprint

Global leader

UBS is a world-leading wealth manager

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Pursuing your goals together

Scott Garnett, CFP, CPM

Ashley Costanzo, CRPC®

Carrie Urban

April Garnett

Frederick Dunning

Daniel Scott