Lasting relationships. For all that matters

Our clients know that we put their best interests first at all times. As your financial advocates, we ask the critical questions to learn all about you, your family, priorities and concerns. At the end of the day, we understand that earning your confidence and trust requires integrity, prudence and accessibility.

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Stephen Fish

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- IN
- KS
- KY
- MA
- MD
- MI
- MN
- MO
- MT
- NC
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- WA
- WI
- WV
Stephen Fish is a Managing Director at UBS. He began his career on Wall Street at Morgan Guaranty Trust Company and Brown Brothers, Harriman & Company. After more than twenty successful years at Hilliard Lyons, Stephen moved to UBS Financial Services, Inc. to further enhance his clients' experiences and access more sophisticated trading capabilities. Stephen has over thirty years of investment experience in all financial markets and advises his clients through discretionary investment management.

Stephen is a graduate of The Johns Hopkins University with a B.S. with concentrations in Economics and Philosophy. He also attended the MBA program at the Stern Graduate School of Business at New York University. At Hilliard Lyons he earned the designation Chartered Wealth Advisor (CWA) in 2003, after completing an extensive program concerning various aspects of wealth management. He maintains several Financial Industry Regulatory Authority licenses, including the Series 7, 24, 63 & 65.
- Barron's Top 1,200 Financial Advisors, 2017, 2018, 2019, 2020, 2021, 2022, 2023
  The Barron's rating is awarded annually in March and is based on information from the prior year Q3.
- Forbes America's Top Wealth Advisors, 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 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.
8044 Montgomery Road
Suite 100W
Cincinnati, OH 45236
Jeanine Toney

Client Associate Senior
View bio
- CA
- CO
- CT
- DE
- FL
- GA
- IL
- KY
- MA
- MI
- MN
- MS
- MT
- NE
- NY
- OH
- PA
- TX
- WA
- WV
Jeanie joined UBS in 1995 as a Client Service Associate and joined Stephen Fish's team in June 2019. In this role she serves the administrative and operational needs of our clients and team. Jeanie enjoys getting to know our clients and providing excellent customer service. She has been in the financial services industry for over 30 years.

Jeanie is a Cincinnati native. She enjoys gardening and spending time with her grandchildren.
8044 Montgomery Road
Suite 100W
Cincinnati, OH 45236
Jack Dowling

Client Associate
View bio
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- IN
- KS
- KY
- MA
- MD
- MI
- MN
- MO
- MT
- NC
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- WA
- WI
- WV
Jack joined UBS in 2021 as a Branch Service Associate and joined Stephen Fish's team in September of 2022. As an expert in the administrative and operational needs of our clients and team, he energetically answers clients' questions and concerns in a timely manner. He also serves as the team's Technology Liaison.

Jack graduated from Middlebury College with a B.S. in Economics. He was a member of the Middlebury men's swim team for four years. In his free time, he enjoys watching sports and being outdoors with his dogs, Boo and Lily. He currently holds the Series 7 and 66 licenses.
8044 Montgomery Road
The Towers At Kenwood
Cincinnati, OH 45236

Stephen Fish

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- IN
- KS
- KY
- MA
- MD
- MI
- MN
- MO
- MT
- NC
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- VA
- WA
- WI
- WV
Stephen Fish is a Managing Director at UBS. He began his career on Wall Street at Morgan Guaranty Trust Company and Brown Brothers, Harriman & Company. After more than twenty successful years at Hilliard Lyons, Stephen moved to UBS Financial Services, Inc. to further enhance his clients' experiences and access more sophisticated trading capabilities. Stephen has over thirty years of investment experience in all financial markets and advises his clients through discretionary investment management.

Stephen is a graduate of The Johns Hopkins University with a B.S. with concentrations in Economics and Philosophy. He also attended the MBA program at the Stern Graduate School of Business at New York University. At Hilliard Lyons he earned the designation Chartered Wealth Advisor (CWA) in 2003, after completing an extensive program concerning various aspects of wealth management. He maintains several Financial Industry Regulatory Authority licenses, including the Series 7, 24, 63 & 65.
- Barron's Top 1,200 Financial Advisors, 2017, 2018, 2019, 2020, 2021, 2022, 2023
  The Barron's rating is awarded annually in March and is based on information from the prior year Q3.
- Forbes America's Top Wealth Advisors, 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 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.
8044 Montgomery Road
Suite 100W
Cincinnati, OH 45236
Jeanine Toney

Client Associate Senior
View bio
- CA
- CO
- CT
- DE
- FL
- GA
- IL
- KY
- MA
- MI
- MN
- MS
- MT
- NE
- NY
- OH
- PA
- TX
- WA
- WV
Jeanie joined UBS in 1995 as a Client Service Associate and joined Stephen Fish's team in June 2019. In this role she serves the administrative and operational needs of our clients and team. Jeanie enjoys getting to know our clients and providing excellent customer service. She has been in the financial services industry for over 30 years.

Jeanie is a Cincinnati native. She enjoys gardening and spending time with her grandchildren.
8044 Montgomery Road
Suite 100W
Cincinnati, OH 45236
Jack Dowling

Client Associate
View bio
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IL
- IN
- KS
- KY
- MA
- MD
- MI
- MN
- MO
- MT
- NC
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- SC
- TN
- TX
- WA
- WI
- WV
Jack joined UBS in 2021 as a Branch Service Associate and joined Stephen Fish's team in September of 2022. As an expert in the administrative and operational needs of our clients and team, he energetically answers clients' questions and concerns in a timely manner. He also serves as the team's Technology Liaison.

Jack graduated from Middlebury College with a B.S. in Economics. He was a member of the Middlebury men's swim team for four years. In his free time, he enjoys watching sports and being outdoors with his dogs, Boo and Lily. He currently holds the Series 7 and 66 licenses.
8044 Montgomery Road
The Towers At Kenwood
Cincinnati, OH 45236

Debt ceiling and inflation

Retirement readiness

For your retirement or your company retirement plan

Approaching or entering retirement, you may fear the possibility of outliving your savings. Or you may be responsible for optimizing an increasingly complex employer-sponsored plan. We can help ease your concerns by providing custom strategies that focus on meeting the ever-growing income needs for a retirement that may last 30 years or more.

Ready to roll over? Approaching retirement or in times of career transition, you need practical 401(k) rollover solutions that are specific to your needs. We can help evaluate your distribution options and assist you in making investment decisions that could help manage taxes while addressing your broader financial and retirement goals.

Retirement income planning. Focusing on retirement income planning, our team can work with you to develop planning strategies that help preserve your lifestyle and livelihood in retirement. Our strategies can help ease concerns about how long you will need to draw your funds in retirement, preparing for unexpected expenses and maintaining your independence.

Long-term care. With longevity increasing and healthcare costs rising, long-term care may have a significant impact on your finances. Long-term care should be a key part of a comprehensive financial and retirement plan. We’ll help develop strategies that can help prepare you for future care while keeping your financial goals on track.

Helping you optimize your corporate plan. We help organizations design, implement and monitor the investment programs of their 401(k), defined benefit and nonqualified plans. We will help you evaluate indicators of plan health, maintain the most competitive cost structures, formalize investment committee decision-making and manage regulatory requirements.

Investment management

Money management that puts your best interests first

Our disciplined planning process drives a highly personalized investment strategy. Serving as your discretionary portfolio manager or working with select third-party investment managers, we offer timely perspectives, customized portfolios and a fully integrated suite of financial solutions.

A focus on asset allocation and risk management. By listening and aligning with your objectives, we can craft an asset allocation based on your family’s goals, growth and income needs. This allows us to craft an asset allocation that seeks to lower volatility while maintaining an opportunistic eye toward investments and changes in the market.

Your personalized portfolio. Many clients prefer to delegate the day-to-day management of their assets. Ongoing monitoring and review of your portfolio helps us track your investments against all benchmarks. When we take on discretionary management of your portfolio, we are transparent about our fiduciary responsibility.

Open access and analysis. Through our open platform, we can offer premium financial solutions both within and outside of UBS. This access, along with a disciplined process, ensures we develop customized strategies based on highly-focused analysis.

Insights for each generation. We offer timely perspectives that drive a fully integrated suite of financial solutions. We help prepare each family member to collectively manage, sustain and grow their wealth across multiple generations and we will work with your tax and legal advisors to develop tax-advantaged solutions.

A team approach

Who we work with

With the attention of a boutique family office and access to resources across the firm, we offer select clients comprehensive services that look well beyond their investment needs.

Multigenerational families. Managing wealth spanning many generations requires a careful approach. As your Private Wealth Advisors, we have the experience and strategies to help address these challenges.
Corporate executives. Our team brings discipline and strategic planning during your wealth-building years as well as when the time comes to transition out of corporate life.
Entrepreneurs. We will introduce you to an extensive network of professionals and the right investment relationships to provide innovative yet pragmatic solutions.

Insights

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Lasting relationships. For all that matters

Stephen Fish

Jeanine Toney

Jack Dowling

Stephen Fish

Jeanine Toney

Jack Dowling

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Debt ceiling and inflation

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Investment management

A team approach

Who we work with

Insights

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