Your financial life. Our experienced perspective.

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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, 2022, 2023, 2024, 2025The 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.
• UBS Wealth Management President’s Council, 2024, 2025UBS Financial Services Inc. Councils are a distinction held by UBS Financial Advisors based on criteria including evaluation of compliance with firm rules, standards & policies and revenue. Council membership is not representative of any one client's experience and is not indicative of the advisor’s future performance.

• Central Michigan University, Finance/Marketing

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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 Best-in-State Wealth Advisors, 2019, 2020, 2021, 2022, 2023, 2024, 2025The 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 Top Next-Gen (Generation) Wealth Advisors Best-in-State, 2018, 2019The Forbes rating is compiled by Shook Research and awarded annually in August based on information from a 12 month period ending in March of the award year.
• UBS Wealth Management President’s Council, 2024, 2025UBS Financial Services Inc. Councils are a distinction held by UBS Financial Advisors based on criteria including evaluation of compliance with firm rules, standards & policies and revenue. Council membership is not representative of any one client's experience and is not indicative of the advisor’s future performance.

• Western Michigan University, Finance

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.

• 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

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 continuing learning in her new role. She recently completed her Series 7 and 66 examinations.

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

Registered States:

MI

• Grand Valley State University, BBA in Finance and Marketing

Heather has been in the financial industry for 23 years.  She worked for Merrill Lynch for most of her career in San Francisco, California.

Heather is originally from St. Clair Shores, MI. She received her associate degree,  from Macomb College.  She relocated back home to Michigan in 2019.

She resides in St. Clair Shores and enjoys spending time with her family, trips to the cabin in Kalkaska, traveling and working out.

• Macomb College, Associate