Your financial life. Our experienced perspective.

STM Group

Whether you want to buy a second home, pay for the education of your grandkids or retire on a certain date, it all boils down to one question: “Do I have enough?”

We are experienced and caring financial advisors who devote our time to helping clients answer that question with confidence. We work with professionals, executives and business owners and their families, acting as their personal financial strategist to address all aspects of their life and wealth. Our clients include those who are just starting to build wealth, successful individuals approaching retirement and retirees planning their legacy.

Meeting regularly in person, we forge close relationships with our clients. In fact, we have built our business on referrals from those we have helped. If you are ready to design a comprehensive financial plan and work with an accomplished team, talk to us.

We try to discover and address what keeps our clients up at night. If it’s keeping them up, it’s keeping us up.

- Paul Toby

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.

  • Paul Toby

    Paul Toby

    Senior Vice President–Wealth Management

    Financial Advisor

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    • AL
    • AR
    • AZ
    • CA
    • CO
    • FL
    • GA
    • HI
    • IA
    • ID
    • IL
    • IN
    • KS
    • KY
    • LA
    • MA
    • MD
    • MI
    • MN
    • MO
    • MS
    • NC
    • NM
    • NV
    • NY
    • OH
    • OK
    • OR
    • PA
    • SC
    • TN
    • TX
    • VA
    • WA
    • WI

    As a Senior Vice President, President's Council Member, and a Banking Champion with UBS Financial Services Inc., Paul Toby takes pride in developing comprehensive financial plans for each of his clients. Since entering the financial services industry in 1993, Paul has concentrated on assisting his clients in achieving their long term financial goals while showing them how to take a disciplined approach to investing.

    Paul is a graduate of Central Michigan University with a degree in Finance/Marketing. He currently holds a Series 7 (General Securities Representative) License, Series 31 (Managed Futures) License, Series 66 (Registered Investment Advisor), Series 63(Uniform Securities Agent State Law Examination), as well as a Life Insurance designation.

    Paul grew up in the West Bloomfield, Michigan area and currently resides in Bloomfield, Michigan with his wife Keren, and two sons, Ben and Lee. In his spare time, Paul enjoys spending time with family and friends, traveling, working out, and volunteering for different charitable events including the Friends of the Israel Defense Forces.

    • Forbes Best-in-State Wealth Advisors, 2019, 2020, 2021, 2022The 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.

    • Central Michigan University, Finance/Marketing
      2301 West Big Beaver Road
      Somerset Place Office Building
      Troy, MI 48084
    • Paul Monacelli

      Paul Monacelli

      Senior Vice President–Wealth Management

      Financial Advisor

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      • AL
      • AR
      • AZ
      • CA
      • CO
      • FL
      • GA
      • HI
      • IA
      • ID
      • IL
      • IN
      • KS
      • KY
      • LA
      • MA
      • MD
      • MI
      • MN
      • MO
      • MS
      • NC
      • NM
      • NV
      • NY
      • OH
      • OK
      • OR
      • PA
      • SC
      • TN
      • TX
      • VA
      • WA
      • WI

      Paul, Senior Vice President with UBS's STM Wealth Management Group, began his career in finance in 2005 as a Financial Advisor with Morgan Stanley. Paul’s areas of concentration include one-on-one client service, extensive product knowledge, investment selection and asset allocation. Paul focuses on creating balanced portfolios by understanding his clients’ needs and educating them on the concepts and strategies that go into the development of their financial plans.

      Paul, who believes in the importance of education, received a degree in finance with an emphasis on personal financial planning from Western Michigan University. In addition to the Series 7 (General Securities Representative), 66 (Registered Investment Advisor) and 31 (Managed Futures) securities licenses, Paul is also licensed in health and life insurance.

      Paul grew up in South Haven, Michigan and currently resides in Lake Orion, Michigan with his wife, Megan, their son, Dominic, daughter, Mia, and black lab, Chopper. When away from the office, Paul’s hobbies include spending time with family and friends and playing golf.

      • Forbes America’s Top Next-Gen (Generation) Wealth Advisors, 2019, 2020, 2021The Forbes rating is compiled by Shook Research and awarded annually between June and September based on information from a 12 month period ending in March of the award year.
      • Forbes America’s Top Next-Gen (Generation) Wealth Advisors Best-in-State, 2018, 2019The Forbes rating is compiled by Shook Research and awarded annually between June and September based on information from a 12 month period ending in March of the award year.
      • Forbes Best-in-State Wealth Advisors, 2019, 2020, 2021, 2022The 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.

      • Western Michigan University, Finance
        2301 West Big Beaver Road
        Somerset Place Office Building
        Troy, MI 48084
      • Beck Pratt

        Becky Pratt

        Client Associate

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          Becky returned to the financial industry in 2013 after two years working with final stage Alzheimer's patients.  Prior to that, Becky spent ten years in operations at Smith Barney.  Becky's experience in processing, customer service and in-depth knowledge of operational functions allow her to fill a vital role with the STM Wealth Management Group. She is the primary contact for service related requests. 

          Becky is originally from Flushing, MI and now resides in Grand Blanc with her husband David.  Their home is also home to three wonderful dogs;  Dezi, Phoebe &  Maggie.  Becky enjoys traveling up north and resting at their cottage on Secord Lake.  She looks forward to building her relationship with each of the clients of the STM Wealth Management Group.

                2301 West Big Beaver Road
                Somerset Place Office Building
                Troy, MI 48084
              • Adam Brown

                Adam Brown

                Client Associate

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                • MI

                Adam joined UBS Financial Services in 2018, bringing several years of client service experience.  Prior to joining the STM Wealth Management, Adam exceled in meeting and exceeding client expectations in multiple industries.  

                Adam graduated from Walsh College in 2018, obtaining his Bachelor of Business Administration in Finance.  He is currently working towards his Series 7 and 66 certifications in addition to a Master of Business Administration and a Master of Science in Finance. 

                Adam was born and raised in Washington Township, MI where he currently resides.  In his free time, he enjoys reading, music, golf, bowling, traveling, and mapping out future adventures.  Adam's favorite place to travel to is Hawaii, leaving him excited for his future visits.

                  • Walsh College, Bachelor of Business Administration in Finance
                  • Walsh College, Master of Business Administration
                  • Walsh College, Master of Science in Finance
                    2301 West Big Beaver Road
                    Somerset Place Office Building
                    Troy, MI 48084
                  • Christina Labadie

                    Christina Henderson

                    Client Associate

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                      Christina re-joined the STM team after graduating from Grand Valley State University in 2021, double majoring in finance and marketing. She previously interned for the team in summers 2018 and 2019. She is excited to learn more in her new role as well as working towards earning the Series 66 license. 

                      Christina resides in Southfield, Michigan with her husband, Spencer. She enjoys spending time with family and friends, playing volleyball, traveling, and cooking. 

                        • Grand Valley State University, BBA in Finance and Marketing
                          2301 West Big Beaver Road
                          Somerset Place Office Building
                          Troy, MI 48084

                        A focus on personalized access and service

                        Working with diverse clients with specific needs, our team sees it as our top responsibility to understand each aspect of your unique and often complicated financial life.

                        two business people

                        A focus on planning

                        mom daughter

                        A commitment to service

                        building

                        A global firm

                        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

                        $2.8 trillion

                        In invested assets globally 
                        As of 06/30/2022

                        51 countries

                        Our global footprint

                        Global leader

                        UBS is a world-leading wealth manager

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