Experience

To Vic, wealth management has never been about overseeing assets. It’s an interwoven story of a client’s life that reflects their values, traditions and unique personal goals. As a UBS Private Wealth Advisor, a fourth-generation financial advisor with more than 25 years of experience, Vic embraces each “chapter” of that story, providing guidance that ultimately helps clients achieve financial success and confidence in their future. His advice centers on the particular planning and business transition needs of CEO founders, wealth creators, business owners and entrepreneurs.

Vic works with clients and their other professional advisors to help integrate their current objectives and long-term goals into an overall plan. He strives to deliver practical, executable strategies and solutions. Vic’s advice, informed by his professional collaboration with clients’ attorneys and CPAs, reflects their expertise and a consistent approach to managing the complexities of significant wealth.

Accolades and education

• Certified Private Wealth Advisor® (CPWA®)
• Certified Investment Management Analyst® (CIMA®)
• B.S., finance, University of North Carolina

Life

Giving back to his community is the philosophy Vic lives by every day. This legacy includes the contributions of Vic’s late grandmother, Avis Birely, who is credited as the first woman to become the president of the Montgomery County Council Board.

• Board member of Hearts & Homes for Youth and fundraiser for the Birely Home .
• Planned Giving Council for The Place of Hope Palm Beach
• Lombardi Cancer Center of Georgetown’s Men’s Event
• The Association for Corporate Growth (ACG)
• Jubilee Association of Maryland, The Jewish Social Service Agency, The Maryland Technology Council, The Northern Virginia Chamber of Commerce and an Emiratis board member for Easter Seals
• Vic enjoys spending time with his three daughters in Palm Beach, FL and Potomac, MD, physical fitness, skiing, golf and boating

David has extensive experience delivering customized wealth management, financial planning, and asset protection strategies to high net-worth clients. He focuses on investment management, combining modern portfolio theory with cash flow analytics to build and manage client portfolios for the long term. The relationship aspect of his practice, however, continues to be his priority. Whether with an individual or institutional client, David has never underestimated the importance of listening to his clients and really hearing what they have to say. He strives to take a truly hands-on, personal approach with each relationship, creating an exclusive client experience.

In his over 25 years of industry experience, David has earned several professional designations. He is a Certified Private Wealth Advisor ® professional and Certified Investment Management Analyst® practitioner, certifications administered by the Investments and Wealth Institute and taught in conjunction with the University of Chicago Booth School of Business and The Wharton School at the University of Pennsylvania, respectively. David earned his Certified Portfolio Manager® designation from Columbia University and the Portfolio Management Institute. David is also a Chartered Retirement Planning Counselor SM, a professional designation awarded by the College for Financial Planning®. David also earned the CEPA designation through the Exit Planning Institute. This dedication to ongoing education has deepened his understanding of both the challenges and opportunities facing his exclusive group of clients, and has prepared him with the expertise to address their most complex financial issues and most important goals.

David graduated from the University of Maryland with a B.S. in finance. He also holds Series 7, 31 and 66 securities licenses as well as licenses in health, life, variable annuity and variable life insurance. He lives in Darnestown, MD with his wife, Margaret, and their three children.

For over a decade, Karen has been fully engaged in effecting wealth management, financial planning, and investment solutions for high net worth individuals, business owners and retirees. She focuses on helping her clients achieve success across all aspects of their financial lives, and on providing an exceptional level of service.

Karen takes each client through a comprehensive planning process, which starts with carefully listening and making sure she understands their unique situation, values, and vision for their future. She then designs and implements a customized plan that draws on cash flow analysis, simulation testing, and risk management. To address her clients' most complex wealth planning issues, she incorporates trust and estate planning, as well as wealth transfer and philanthropic planning, ensuring that clients leave the lasting legacy they desire. The planning process is also ongoing, so as circumstances in their lives change, the plan evolves and adjusts for those shifts, giving clients the confidence to move forward no matter what challenges they are faced with.

Karen is a CERTIFIED FINANCIAL PLANNER™ professional, a certification she earned after obtaining a Certificate in Financial Planning from Georgetown University. She obtained the Certified Investment Management Analyst® designation upon successfully completing Yale University's CIMA® registered education program, administered by the Investments and Wealth Institute. She earned the Chartered Retirement Planning Counselor designation through the College for Financial Planning®. As a Certified Exit Planning Advisor, she understands the unique opportunities and challenges that come at every stage of an entrepreneur's personal and business life, from launch through exit and beyond. 

There is no better job, no better place for me. Most clients have income needs, and that is one area where our strategies really make an impact.”

Kristen Bissett has always been captivated by the markets, even at a young age.  One of the favorite parts of her job is aligning her investment ideas with our clients’ financial needs.  She’s spent the last decade specializing in macroeconomic research and its impact on clients' portfolios.  She now works on crafting customized asset allocations and implementation strategies for multigenerational families, entrepreneurs and not-for-profit organizations.

Prior to joining UBS Private Wealth Management in 2015, she was an Investment Strategist for Barclays and JP Morgan Private Bank.

Giving Back

• Treasurer for the Center for Creative Education
• Member of the Young Friends of the Kravis Center

Kristen graduated from Drew University with a B.A. in economics.  She loves being outdoors, especially golfing, hiking, and listening to live music. She resides in Palm Beach Gardens with her husband, daughter and two dogs.

Having joined UBS Private Wealth Management in 2002, Franco founded The Estrada Group in 2013. He works closely with a select group of highly successful individuals and families, guiding them through a broad range of complex challenges and financial decisions.

Franco co-leads the team’s investment management committee and overseas—along with Jorge Rodriguez—the team’s portfolio management construction process. He is responsible for the overall business and drives the team’s multigenerational strategic plan. Franco is accountable for all client onboarding, much of which comes from the referrals of his loyal and long-term clients.

Past experience
– Franco began his career in the UBS New Financial Advisor development
program in Boston, MA. He joined UBS Private Wealth Management in 2002.

Education and credentials
– B.S., entrepreneurship and finance, Babson College
– Chartered Financial Analyst® (CFA®) designation
– Certified Investment Management Analyst® (CIMA®), The Wharton School, University of Pennsylvania
– Member, CFA Institute, the Boston Security Analysts Society and the Investments and Wealth Institute

Life
– Franco was born and raised in Caracas, Venezuela.
– He lives in San Juan, PR with his wife, Cristina, and daughters, Andrea and Valentina.
– Franco devotes his free time to mostly serving as an advisor and board
member for local nonprofits including PR Dermatology Foundation,
Casa Nueva Vida and the Hispanic American Chamber of Commerce.
– He is an art enthusiast and trains regularly in a wide array of sports including beach tennis, golf and wing foil.
– Franco is also an amateur Chess competitor and involved with the Puerto Rico Chess Federation.

“People hire us for three reasons: they like us, they trust us, and they believe we're really good at what we do."
– William B. Finnerty

As the head of Finnerty Partners within Private Wealth Management in Washington, D.C., Will manages client relationships and leads all investment consulting, advanced planning, and relationship management efforts. His team consists of full time specialists that work with him in these areas to serve their clients with distinction.  

Finnerty Partners is a boutique operation within UBS, only working with a few dozen ultra-high net worth families throughout the country, as well as internationally, the majority of which have $10 million or more in investable assets. More specifically, their sole focus is helping entrepreneurs and their families organize, plan, and manage all aspects of their wealth.

Education
Will was the top finance graduate at Georgetown University's McDonough School of Business. Upon graduating, he received a finance award which ultimately led to his career in wealth management in 1995. In 2000, he began teaching Entrepreneurship for Georgetown's McDonough School of Business and remained an Adjunct Professor for 16 years. 

Firm-wide Recognition
Will has been exceptionally recognized within UBS as a national lecturer on financial advisor development and practice management. Additionally, from 2014 to 2016, he served as a member of UBS's Financial Advisor Advisory Committee (FAAC) to ensure UBS is the firm of choice for high net worth and ultra-high net worth investors along with the advisors that serve them.

Licenses and certificates
Will holds Series 7 and 66 securities licenses.

Will holds the following designations:

• Certified Exit Planning Advisor (CEPA)
• Certified Investment Management Analyst® (CIMA®)
• CPWA®

Nat joined UBS as a Financial Advisor in 2016. Having worked in the financial services industry since 2003, he brings a wide range of experience to the Flagship team. His area of expertise is employer-sponsored retirement plans, education and employee engagement. Nat focuses on partnering with other advisors to drive the retirement plan business for the team.

He also leads the institutional client engagement efforts for Flagship, designing and implementing custom engagement strategies for retirement plan clients to drive participation and positive retirement outcomes for all employees. He especially values the opportunity to effect positive change in the lives of plan participants.

Prior to joining UBS, Nat spent 12 years with MFS Investment Management, where he helped advisors and consultants focused on the institutional retirement plan markets.

Nat hold Series 6, 7, 63 and 65 securities licenses and has a B.A. from Colby-Sawyer College. 

 Outside UBS

Nat lives in Portland, Maine, and loves sailing, skiing, golf, and spending time with family and friend

“I enjoy keeping clients laser focused on their investment goals in both good times and bad.”

Brian Lowenthal specializes in all facets of investment strategy and asset allocation. He has worked with the team since 2007 and is a dedicated student of the markets. Brian enjoys working together with sophisticated clients to create individualized financial strategies. 

Credentials that Build Confidence

Brian has two decades of experience working with multi-generational families, corporate executives and not-for-profit organizations.

• CERTIFIED FINANCIAL PLANNER®
• Director at Lehman Brothers/Barclays
• Financial Advisor at Merrill Lynch
• Assistant Vice President at Sanford C. Bernstein and Co in 1997

Making a Difference

• Board of Temple Beth David in Palm Beach Gardens
• Morse Geriatric Center

Brian earned a B.A. in Communications from the State University of New York at Buffalo. He is an avid sports fan who is especially passionate about football teams FSU Seminoles and NY Giants.  Brian enjoys traveling and listening to a broad variety of music. He resides in Palm Beach Gardens with his wife and two daughters.

Sean McElroy, PWA focuses on portfolio construction, client service and education, and financial planning for Prism Wealth Consultants.

Sean believes the purpose of wealth is to maximize life. Since beginning his career at Millennium Partners, Sean's dual roles as a client and advisor uniquely positions him to uncover client needs, find relevant resources, and deliver meaningful advice. As a portfolio management analyst for Northrop Grumman's multi-billion dollar pension and 401(k) plans, he has been a client of prominent Wall Street firms. Sean has evaluated hundreds of investment presentations, focused on portfolio manager screening, due diligence and selection, as well as ongoing monitoring. He also passed Level I of the CFA exam set.  Sean evaluated and supported the transition of 401(k) options to indexed investment vehicles, and negotiated fees for some of those options, helping hundreds of thousands of people save money.

After Northrop Grumman, Sean earned his MBA from Loyola University Maryland and became Operations Director for Baltimore Angels, Baltimore's largest group of venture capital investors. In this role, and as Director of Membership and Partnerships at Betamore, he was responsible for providing advice and connectivity to accredited investors and businesses, specifically focused on wealth creation.

Sean is passionate about improving community connectivity around positive social and economic impact. He has held (or holds) volunteer leadership roles at the following organizations: Cristo Rey Jesuit High School, Church of the Nativity, Baltimore Chamber Orchestra, and Marathon Youth Ministry.

Ashley is a Registered Client Service Associate for UBS Private Wealth Management. She assists by managing client relationships and providing administrative support. Prior to joining UBS in 2018, Ashley worked as Director of Client Services for a wealth management group at Northwestern Mutual.

Ashley graduated from Devry University with a BS in Business Administration, concentrating in Small Business Management and Entrepreneurship. She holds the Series 7 and 63 securities licenses as well as a NYS Life, Accident and Health Insurance license. In her free time, Ashley enjoys traveling and spending time with family and friends.  She resides in Connecticut with her husband and 2 dogs.

Dave Stack, CAIA® discovers non-traditional opportunities for Prism Wealth Consultants clients to build long-term wealth, especially in challenging economic times.

As one of the first six Chartered Alternative Investment Analysts in Maryland, Dave's experience and expertise enable him to offer sound advice on (and access to) Alternative Investments, which continue to receive more attention from institutions and families with great wealth.  He has worked as a financial advisor for over thirty years at leading institutions, including PaineWebber (acquired by UBS), Morgan Stanley and Merrill Lynch.

Dave is a graduate of Loyola University Maryland in Baltimore.  He serves on the Board of Trustees for Horizon Day Camp.  Additionally, he has also been on the boards and finance committees of the Children's Cancer Foundation, Chesapeake Shakespeare Company, and University of Maryland Medical Foundation.

Justin Warzala joined UBS in January of 2014.  With more than nine years of experience in financial services, his focus is on the development and implementation of asset allocation strategies, portfolio risk management, and investment analysis. He is also actively engaged in the development of comprehensive financial plans.

In 2022, Justin obtained the CERTIFIED FINANCIAL PLANNER™ certification which is globally recognized as the standard of excellence for competent and ethical financial planning.  By becoming a CFP® professional, Justin is well-prepared to understand the challenges his clients may experience, as well as the strategies to help combat them.

Justin is a graduate of Florida Gulf Coast University where he earned a Bachelor of Science in Finance.

Justin is FINRA-registered and holds Series 7 and 66 securities licenses as well as licenses for life, long-term care, fixed and variable annuities.  

Outside of UBS

Justin is married to his college sweetheart Liz and they recently gave birth to their daughter Claire.  He is an avid fan of the Minnesota Vikings and when not watching them he enjoys everything the South Florida lifestyle has to offer.  On any given weekend you can find Justin and his family going to the beach, paddle boarding, and boating.  Justin's community involvement includes: serving on the Board of Directors for his Alma mater Florida Gulf Coast University, and mentoring younger members of his fraternity Sigma Phi Epsilon.