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 help you 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

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
- MS
- NC
- NH
- NJ
- 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.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
- Barron's Top 1,200 Financial Advisors, 2022, 2023, 2024
  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, 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.
- Forbes Best-in-State Wealth Management Teams, 2023, 2024, 2025The 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

scott.garnett@ubs.com

Scott Garnett, CFP, CPM

951 East Byrd St.,Richmond,VA,23219
George Krohn

Senior Wealth Strategy Associate

CERTIFIED FINANCIAL PLANNER®
View bio
- AL
- CA
- CO
- FL
- GA
- KY
- LA
- MA
- MD
- MS
- NC
- NY
- OH
- PA
- SC
- TX
- VA
- WA
George joined UBS in June 2022 after expanding his career with Merrill Lynch for ten years. During his tenure, he initially worked as a Client Associate where he developed operational and client service skills and ultimately transitioned into the advisor role. As an advisor, he committed to business expansion by focusing on relationship management. He discerned and met client needs through developing financial plans and trust and estate solutions, and solidified connections with the next generation.

George has been awarded the CERTIFIED FINANCIAL PLANNER™ designation through the CFP Board. He is a registered representative with the Financial Industry Regulatory Authority (Series 7), and an investment advisory representative (Series 66) with the Securities and Exchange Commission. He graduated from East Carolina University with a B.S. degree in Business Administration with a concentration in Finance.

George was born and raised in Chesapeake, Virginia. He currently lives in Midlothian with his wife Madison. He is an active member at Saint Bridget’s Parish where he serves as an usher and is affiliated with the Knights of Columbus. George is involved in the community and served as a council member for the Dementia Alliance of North Carolina and volunteered with Junior Achievement for three consecutive years.
- CERTIFIED FINANCIAL PLANNER®
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219

george.j.krohn@ubs.com

George Krohn

951 East Byrd St.,Richmond,VA,23219
Ashley Costanzo, CRPC®

Senior Wealth Strategy Associate
View bio
- CO
- FL
- GA
- MA
- MD
- ME
- NC
- NH
- NY
- OH
- OR
- PA
- SC
- SD
- TX
- VA
- WA
- WV
- WY
Ashley graduated from Virginia Commonwealth University in 2010 and has over a decade of experience working in Wealth Management. 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, have two children, Giuliana and Luca. 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

ashley.costanzo@ubs.com

Ashley Costanzo, CRPC®

951 East Byrd St.,Richmond,VA,23219
Mia Mason

Client Associate
View bio
Mia, based in Richmond, is a highly accomplished professional with a Master’s in Business Administration obtained in 2021. Holding Series 6, 63, and Life, Health, & Annuity insurance licenses, Mia has garnered extensive experience in banking and finance within the Richmond area. Known for her dedication to client service, Mia finds immense satisfaction in utilizing her expertise to assist clients with precision and care.
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219

shamia.mason@ubs.com

Mia Mason

951 East Byrd St.,Richmond,VA,23219
April Garnett

Client Associate
View bio
Scott's wife, April, has joined the team after having been a homemaker for the last twenty-four years. Their daughter attends the University of Denver, and their son attends Penn State University. April has a BS in Physics from the University of Georgia. She says that she loves answering your calls and looks forward to speaking with you.
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219

april.garnett@ubs.com

April Garnett

951 East Byrd St.,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
- MD
- ME
- 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

frederick.dunning@ubs.com

Frederick Dunning

951 East Byrd St.,Richmond,VA,23219

Daniel Scott

Vice President–Wealth Management

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

daniel.scott@ubs.com

Daniel Scott

951 East Byrd St.,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
- MS
- NC
- NH
- NJ
- 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.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
- Barron's Top 1,200 Financial Advisors, 2022, 2023, 2024
  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, 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.
- Forbes Best-in-State Wealth Management Teams, 2023, 2024, 2025The 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

scott.garnett@ubs.com

Scott Garnett, CFP, CPM

951 East Byrd St.,Richmond,VA,23219
George Krohn

Senior Wealth Strategy Associate

CERTIFIED FINANCIAL PLANNER®
View bio
- AL
- CA
- CO
- FL
- GA
- KY
- LA
- MA
- MD
- MS
- NC
- NY
- OH
- PA
- SC
- TX
- VA
- WA
George joined UBS in June 2022 after expanding his career with Merrill Lynch for ten years. During his tenure, he initially worked as a Client Associate where he developed operational and client service skills and ultimately transitioned into the advisor role. As an advisor, he committed to business expansion by focusing on relationship management. He discerned and met client needs through developing financial plans and trust and estate solutions, and solidified connections with the next generation.

George has been awarded the CERTIFIED FINANCIAL PLANNER™ designation through the CFP Board. He is a registered representative with the Financial Industry Regulatory Authority (Series 7), and an investment advisory representative (Series 66) with the Securities and Exchange Commission. He graduated from East Carolina University with a B.S. degree in Business Administration with a concentration in Finance.

George was born and raised in Chesapeake, Virginia. He currently lives in Midlothian with his wife Madison. He is an active member at Saint Bridget’s Parish where he serves as an usher and is affiliated with the Knights of Columbus. George is involved in the community and served as a council member for the Dementia Alliance of North Carolina and volunteered with Junior Achievement for three consecutive years.
- CERTIFIED FINANCIAL PLANNER®
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219

george.j.krohn@ubs.com

George Krohn

951 East Byrd St.,Richmond,VA,23219
Ashley Costanzo, CRPC®

Senior Wealth Strategy Associate
View bio
- CO
- FL
- GA
- MA
- MD
- ME
- NC
- NH
- NY
- OH
- OR
- PA
- SC
- SD
- TX
- VA
- WA
- WV
- WY
Ashley graduated from Virginia Commonwealth University in 2010 and has over a decade of experience working in Wealth Management. 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, have two children, Giuliana and Luca. 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

ashley.costanzo@ubs.com

Ashley Costanzo, CRPC®

951 East Byrd St.,Richmond,VA,23219
Mia Mason

Client Associate
View bio
Mia, based in Richmond, is a highly accomplished professional with a Master’s in Business Administration obtained in 2021. Holding Series 6, 63, and Life, Health, & Annuity insurance licenses, Mia has garnered extensive experience in banking and finance within the Richmond area. Known for her dedication to client service, Mia finds immense satisfaction in utilizing her expertise to assist clients with precision and care.
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219

shamia.mason@ubs.com

Mia Mason

951 East Byrd St.,Richmond,VA,23219
April Garnett

Client Associate
View bio
Scott's wife, April, has joined the team after having been a homemaker for the last twenty-four years. Their daughter attends the University of Denver, and their son attends Penn State University. April has a BS in Physics from the University of Georgia. She says that she loves answering your calls and looks forward to speaking with you.
951 East Byrd St.
Riverfront Plaza East, Suite 520
Richmond, VA 23219

april.garnett@ubs.com

April Garnett

951 East Byrd St.,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
- MD
- ME
- 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

frederick.dunning@ubs.com

Frederick Dunning

951 East Byrd St.,Richmond,VA,23219
Daniel Scott

Vice President–Wealth Management

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

daniel.scott@ubs.com

Daniel Scott

951 East Byrd St.,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.

Los Angeles fire relief

Support and resources

The UBS Optimus Foundation has committed up to $1 million in match funding for donations to trusted relief organizations Americares, World Central Kitchen, Team Rubicon and GiveDirectly in support of their efforts on behalf of those affected by the recent wildfires in southern California.

Learn more about how you can get involved and double your impact through the UBS Optimus Foundation.

Get involved

A leader in wealth management

Backed by the strength of our parent company, UBS AG

^$5.9+ trn

UBS Group invested assets
As of 06/30/2024

51 countries

Our global footprint

Global leader

UBS is a leading and truly global wealth manager

How will we work together?

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Pursuing your goals together

Scott Garnett, CFP, CPM

George Krohn

Ashley Costanzo, CRPC®

Mia Mason

April Garnett

Frederick Dunning

Daniel Scott