Financial planning and beyond

Our clients are truly remarkable individuals.

As your trusted advisors, we understand the unique financial complexities that arise in todays world and we work hand in hand with each of you to offer solutions that align with your personal goals. We believe in a collaborative approach, co-creating tailored strategies that harness our expertise while utilizing the valuable resources of our firm.
Our process is highly disciplined, always steering us toward the most suitable solutions. Our focus remains unwaveringly on your objectives and long term plans. Our goal is to be your primary source of financial guidance. And as life brings you change we remain steadily on your side while navigating you toward the very best outcome for your very specific needs.

Your success is our priority and we're here to direct you on the financial journey ahead.

Richard Greenspan, CIMA

Senior Vice President–Wealth Management
View bio Industry recognition
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IL
- IN
- MA
- MD
- MI
- MN
- NC
- NJ
- NV
- NY
- OH
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
Richard Greenspan leads a team of four dedicated professionals who specialize in crafting comprehensive wealth management plans for an extraordinary group of successful individuals. Richard embarked on his journey as a Financial Advisor in 1983, and since then, he has been offering invaluable financial advice and oversight to his clients. He holds a B.A. in psychology from Binghamton University and has augmented his experience with advanced wealth management consulting programs at prestigious institutions such as The Wharton School, NYU Stern School of Business, and the University of Chicago Graduate School of Business. As the establishing member of The Greenspan Wealth Management Group at UBS, Richard plays a pivotal role in shaping the team's wide range of potential solutions. His unwavering commitment is to not only meet but exceed his clients' expectations at every turn. Beyond his professional endeavors, Richard actively engages in philanthropic fundraising efforts. He is an ardent supporter of Autism Speaks and a founding board member of the nonprofit organization BIGVISION. Richard’s outstanding contributions to the field have earned him well-deserved recognition, including being named among the Financial Times Top 400 Financial Advisors in 2015 and 2016 and receiving the SHOOK Research and Forbes 2020,2021,2022, 2023 and 2024 Best-In-State Wealth Advisor title for New York.

Residing in Westport, CT, with his wife, Barbara, Richard is the proud parent of two children currently living and working in New York City. In his free time he enjoys golf, ice hockey and jamming out to 70’s Rock & Roll music.
- Forbes Best-in-State Wealth Advisors, 2020, 2021, 2022, 2023, 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.
- Binghamton University, B.A. Psychology
- Certified Investment Management Analyst®
- Endowment & Foundation Consultant
- Portfolio Manager
299 Park Avenue
New York, NY 10017

richard.greenspan@ubs.com

Richard Greenspan, CIMA

299 Park Avenue,New York,NY,10017
Harris Grodin

Senior Wealth Strategy Associate

CERTIFIED FINANCIAL PLANNER®
View bio
- AZ
- CA
- CO
- CT
- DE
- FL
- HI
- IL
- IN
- KY
- MA
- MD
- MI
- MN
- NC
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
Since the time Harris joined UBS in 2020, he has been honing his skills in financial planning and gained invaluable experience in providing top-notch financial advice. As a CERTIFIED FINANCIAL PLANNER™ professional, Harris has undergone rigorous training in various areas, including retirement planning, investment strategy, wealth transfer, tax optimization, and risk management.

Now, as a valued member of the Greenspan Group, Harris is dedicated to delivering exceptional service and helping our clients achieve their financial objectives.

In addition to his professional accomplishments, Harris holds a B.B.A. with a dual concentration in Finance and Business Economics + Public Policy (BEPP) from the George Washington University. Notably, he was a Division I Rower and contributed to breaking records, achieving the highest national ranking in GW’s history. Beyond his academic and athletic achievements, Harris is an active individual who enjoys basketball, skiing, and running marathons. He resides in the vibrant city of New York and cherishes spending quality time with friends and family.

Beyond his commitment to excellence in the financial realm, Harris is deeply involved in charitable endeavors. He actively supports organizations such as Let’s Win Pancreatic Cancer Foundation, The Ulman Foundation, and volunteers for the Honor Flight Network, exemplifying his dedication to making a positive impact beyond the office.
- The George Washington University , B.B.A. Finance and Business Economics + Public Policy (BEPP)
- CERTIFIED FINANCIAL PLANNER®
- Corporate Stock Benefit Consultant
299 Park Avenue
New York, NY 10017

harris.grodin@ubs.com

Harris Grodin

299 Park Avenue,New York,NY,10017
Leyla Ciner

Client Associate
View bio
Leyla Ciner is a Client Associate at The Greenspan Wealth Management Group at UBS, based in New York. Leyla holds dual bachelor’s degrees in Data Science and Statistics, with a minor in Management, from Purdue University. She is dedicated to proactively exceeding client expectations by delivering exceptional service and care at every stage of the client relationship. Leyla brings analytical rigor, a collaborative mindset, and an unwavering focus on personalized client outcomes. Her addition to the team strengthens our commitment to helping clients achieve lifelong financial security and success.

Alongside her professional commitments, Leyla is a native New Yorker who values her time with friends and family. In her free time she enjoys yoga, cooking, and international travel.
- Purdue University, B.S. Data Science, B.S. Statistics, Management Minor
299 Park Avenue
New York, NY 10017

leyla.ciner@ubs.com

Leyla Ciner

299 Park Avenue,New York,NY,10017

Emily Lau

Executive Director

Wealth Planning Strategist

View bio

Responsibilities & Professional History

Emily is a Wealth Planning Strategist in our Manhattan and Soundview markets. In
this capacity Emily is responsible for providing Financial Advisors and their ultrahigh
net worth clients with unbiased, product neutral, advanced planning
strategies, design and implementation. As an advanced financial planner, she
provides expertise in the following areas:
• Estate and multi-generational planning
• Retirement income and cash flow analysis
• Business continuity and succession planning
• Charitable giving strategies
• Executive compensation and benefit strategies
• Special needs and disability planning
Utilizing the wealth planning framework, Emily aims to deliver the full breadth of UBS
services to aid clients in achieving their wealth planning goals.

Past experience

Emily has held various roles within UBS through her long tenure at the firm. Prior to her
current role, Emily headed up the Wealth Planning Specialists. In that role she led a team
of wealth planners working with FAs and high net worth clients. Emily was also a Senior
Wealth Strategy Associate on a team that had $1 billion assets under management. In
that capacity, she was responsible for the development, delivery, and implementation of
comprehensive financial plans for clients.

Education

Emily received her Bachelor of Science from Carnegie Mellon University with a
concentration in finance. She is a CERTIFIED FINANCIAL PLANNER™ and a Chartered
Financial Consultant®. Emily has a Series 7 and Series 66 with FINRA and her life
and health insurance licenses

Life

Emily lives in New York with her husband, son, and their two cats.
Michael Ury

NMLS #947868

Senior Wealth Management Banker, UBS Bank USA

View bio

Current role and areas of expertise

Michael joined UBS Bank USA in 2017 and he is currently a Senior Wealth Management Banker covering the Manhattan Private Wealth Management Market.

Michael has an extensive background in relationship banking. He is focused on providing Financial Advisors and their clients a variety of cash management resources along with banking solutions that may complement their overall wealth management objectives.

Professional history

Michael began his career in financial services in 1998. Prior to joining UBS, He has had successful prior careers with The Private Bank at Wells Fargo, Morgan Stanley Private Bank and Merrill Lynch. His various roles included Private Banker, Regional Manager and Head of Business Development. Michael has spent the bulk of his career partnering with Financial Advisors and their high-net-worth clients to provide lending solutions.

Education and personal information

In Michael’s role as a Senior Wealth Management Banker his NMLS # is 398130. He holds his Series 7, 24, 56 and 66 securities licenses. He also holds an MBA from Fairleigh Dickinson University in Corporate Finance in Teaneck, NJ.

Outside of the office, he enjoys coaching his kids' sports teams and skiing.

Senior Wealth Management Bankers are employees of UBS Bank USA. UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS No. 947868. Equal Housing Lender.
Jack McCombe

Director

Equity, ETF & Options Specialist

View bio
Andrea Sanft

Executive Director

Senior Wealth Strategist

View bio

Andrea works with ultra-high net worth clients of UBS and their financial advisors on issues involving domestic and international estate and tax planning, business succession, wealth transfer, international cross border issues and philanthropic objectives. She focuses on developing and helping clients implement comprehensive strategies to facilitate the preservation, transfer, and management of wealth. Andrea performs thorough reviews of clients' estate planning documents to ensure that each plan accurately reflects the family's goals and objectives in a tax-efficient manner.

Prior to joining UBS in March of 2024, Andrea was a senior wealth strategist for Morgan Stanley Private Wealth Management. Prior to that, she practiced law in the Private Client department of Paul, Weiss, Rifkind, Wharton and Garrison, LLP for over 15 years.

Education
Andrea has an LL.M. in Tax from Boston University and J.D. from St. John’s University School of Law.
Gregg Arum, CFP

Executive Director

Structured Solutions Consultant

View bio

Gregg serves as a Structured Solutions Consultant for the New York City and Northern New Jersey Market Areas, and Private Wealth Management; responsible for the positioning of Structured Products across all asset classes. Gregg works closely with Financial Advisors and their clients, helping them understand the risks and rewards of structured products, and how both portfolio and tactical ideas can fit into a client’s overall portfolio strategy.

Professional History
Gregg joined UBS in 1998 and has held a variety of positions in Capital Markets. In his previous role, he served as a Municipal Bond Portfolio Specialist on the Northeast Municipal Bond Desk. Prior to that, he worked in Unit Investment Trusts as a member of the Equity Advisory Group. He has also served as a Financial Advisor in New York City.

Education
Gregg holds a B.A from the University of Florida.

Licenses and Certifications
FINRA Series 7, 63 and 65
CERTIFIED FINANCIAL PLANNER™
Julie Binder

Executive Director

Senior Strategist - Family Advisory and Philanthropy Services

View bio

Professional history
As a Senior Strategist with Family Advisory and Philanthropy Services, Julie works with families on understanding money, values and philanthropic intent in the family wealth context and the dynamic overlap of five types of capital—human capital, intellectual capital, social capital, foundational capital, and financial capital. Family and Philanthropy Advisory is a thought partner to advisors and their exceptional client families on wealth transition, family governance, and philanthropy as families seek guidance on cohesive dialogue between generations to perpetuate their legacy.

Prior to joining UBS Financial Services in 2018, Julie was with Foundation Source, a provider of comprehensive support services for private foundations for nearly a decade. While there, she was responsible for understanding the needs and identifying philanthropic solutions for ultra-high net worth clients and the Private Wealth Advisors who serve them. Julie worked with hundreds of clients to think about the impact of their philanthropy on their families and communities. Before Foundation Source, Julie worked for a boutique consulting firm that specialized in corporate philanthropy, and spent several years in business development for Texas Monthly and New York Magazine.

Education
Julie graduated from the University of Connecticut with a B.S. in Marketing and holds a Fellowship in Charitable Estate Planning from the Charitable Estate Planning Institute. She is an active volunteer with many local community organizations, and lives in Stamford, CT with her husband and two sons.

Richard Greenspan, CIMA

Senior Vice President–Wealth Management
View bio Industry recognition
- AZ
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- IL
- IN
- MA
- MD
- MI
- MN
- NC
- NJ
- NV
- NY
- OH
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
Richard Greenspan leads a team of four dedicated professionals who specialize in crafting comprehensive wealth management plans for an extraordinary group of successful individuals. Richard embarked on his journey as a Financial Advisor in 1983, and since then, he has been offering invaluable financial advice and oversight to his clients. He holds a B.A. in psychology from Binghamton University and has augmented his experience with advanced wealth management consulting programs at prestigious institutions such as The Wharton School, NYU Stern School of Business, and the University of Chicago Graduate School of Business. As the establishing member of The Greenspan Wealth Management Group at UBS, Richard plays a pivotal role in shaping the team's wide range of potential solutions. His unwavering commitment is to not only meet but exceed his clients' expectations at every turn. Beyond his professional endeavors, Richard actively engages in philanthropic fundraising efforts. He is an ardent supporter of Autism Speaks and a founding board member of the nonprofit organization BIGVISION. Richard’s outstanding contributions to the field have earned him well-deserved recognition, including being named among the Financial Times Top 400 Financial Advisors in 2015 and 2016 and receiving the SHOOK Research and Forbes 2020,2021,2022, 2023 and 2024 Best-In-State Wealth Advisor title for New York.

Residing in Westport, CT, with his wife, Barbara, Richard is the proud parent of two children currently living and working in New York City. In his free time he enjoys golf, ice hockey and jamming out to 70’s Rock & Roll music.
- Forbes Best-in-State Wealth Advisors, 2020, 2021, 2022, 2023, 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.
- Binghamton University, B.A. Psychology
- Certified Investment Management Analyst®
- Endowment & Foundation Consultant
- Portfolio Manager
299 Park Avenue
New York, NY 10017

richard.greenspan@ubs.com

Richard Greenspan, CIMA

299 Park Avenue,New York,NY,10017
Harris Grodin

Senior Wealth Strategy Associate

CERTIFIED FINANCIAL PLANNER®
View bio
- AZ
- CA
- CO
- CT
- DE
- FL
- HI
- IL
- IN
- KY
- MA
- MD
- MI
- MN
- NC
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- VT
Since the time Harris joined UBS in 2020, he has been honing his skills in financial planning and gained invaluable experience in providing top-notch financial advice. As a CERTIFIED FINANCIAL PLANNER™ professional, Harris has undergone rigorous training in various areas, including retirement planning, investment strategy, wealth transfer, tax optimization, and risk management.

Now, as a valued member of the Greenspan Group, Harris is dedicated to delivering exceptional service and helping our clients achieve their financial objectives.

In addition to his professional accomplishments, Harris holds a B.B.A. with a dual concentration in Finance and Business Economics + Public Policy (BEPP) from the George Washington University. Notably, he was a Division I Rower and contributed to breaking records, achieving the highest national ranking in GW’s history. Beyond his academic and athletic achievements, Harris is an active individual who enjoys basketball, skiing, and running marathons. He resides in the vibrant city of New York and cherishes spending quality time with friends and family.

Beyond his commitment to excellence in the financial realm, Harris is deeply involved in charitable endeavors. He actively supports organizations such as Let’s Win Pancreatic Cancer Foundation, The Ulman Foundation, and volunteers for the Honor Flight Network, exemplifying his dedication to making a positive impact beyond the office.
- The George Washington University , B.B.A. Finance and Business Economics + Public Policy (BEPP)
- CERTIFIED FINANCIAL PLANNER®
- Corporate Stock Benefit Consultant
299 Park Avenue
New York, NY 10017

harris.grodin@ubs.com

Harris Grodin

299 Park Avenue,New York,NY,10017
Leyla Ciner

Client Associate
View bio
Leyla Ciner is a Client Associate at The Greenspan Wealth Management Group at UBS, based in New York. Leyla holds dual bachelor’s degrees in Data Science and Statistics, with a minor in Management, from Purdue University. She is dedicated to proactively exceeding client expectations by delivering exceptional service and care at every stage of the client relationship. Leyla brings analytical rigor, a collaborative mindset, and an unwavering focus on personalized client outcomes. Her addition to the team strengthens our commitment to helping clients achieve lifelong financial security and success.

Alongside her professional commitments, Leyla is a native New Yorker who values her time with friends and family. In her free time she enjoys yoga, cooking, and international travel.
- Purdue University, B.S. Data Science, B.S. Statistics, Management Minor
299 Park Avenue
New York, NY 10017

leyla.ciner@ubs.com

Leyla Ciner

299 Park Avenue,New York,NY,10017

Emily Lau

Executive Director

Wealth Planning Strategist

View bio

Responsibilities & Professional History

Emily is a Wealth Planning Strategist in our Manhattan and Soundview markets. In
this capacity Emily is responsible for providing Financial Advisors and their ultrahigh
net worth clients with unbiased, product neutral, advanced planning
strategies, design and implementation. As an advanced financial planner, she
provides expertise in the following areas:
• Estate and multi-generational planning
• Retirement income and cash flow analysis
• Business continuity and succession planning
• Charitable giving strategies
• Executive compensation and benefit strategies
• Special needs and disability planning
Utilizing the wealth planning framework, Emily aims to deliver the full breadth of UBS
services to aid clients in achieving their wealth planning goals.

Past experience

Emily has held various roles within UBS through her long tenure at the firm. Prior to her
current role, Emily headed up the Wealth Planning Specialists. In that role she led a team
of wealth planners working with FAs and high net worth clients. Emily was also a Senior
Wealth Strategy Associate on a team that had $1 billion assets under management. In
that capacity, she was responsible for the development, delivery, and implementation of
comprehensive financial plans for clients.

Education

Emily received her Bachelor of Science from Carnegie Mellon University with a
concentration in finance. She is a CERTIFIED FINANCIAL PLANNER™ and a Chartered
Financial Consultant®. Emily has a Series 7 and Series 66 with FINRA and her life
and health insurance licenses

Life

Emily lives in New York with her husband, son, and their two cats.
Michael Ury

NMLS #947868

Senior Wealth Management Banker, UBS Bank USA

View bio

Current role and areas of expertise

Michael joined UBS Bank USA in 2017 and he is currently a Senior Wealth Management Banker covering the Manhattan Private Wealth Management Market.

Michael has an extensive background in relationship banking. He is focused on providing Financial Advisors and their clients a variety of cash management resources along with banking solutions that may complement their overall wealth management objectives.

Professional history

Michael began his career in financial services in 1998. Prior to joining UBS, He has had successful prior careers with The Private Bank at Wells Fargo, Morgan Stanley Private Bank and Merrill Lynch. His various roles included Private Banker, Regional Manager and Head of Business Development. Michael has spent the bulk of his career partnering with Financial Advisors and their high-net-worth clients to provide lending solutions.

Education and personal information

In Michael’s role as a Senior Wealth Management Banker his NMLS # is 398130. He holds his Series 7, 24, 56 and 66 securities licenses. He also holds an MBA from Fairleigh Dickinson University in Corporate Finance in Teaneck, NJ.

Outside of the office, he enjoys coaching his kids' sports teams and skiing.

Senior Wealth Management Bankers are employees of UBS Bank USA. UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS No. 947868. Equal Housing Lender.
Jack McCombe

Director

Equity, ETF & Options Specialist

View bio
Andrea Sanft

Executive Director

Senior Wealth Strategist

View bio

Andrea works with ultra-high net worth clients of UBS and their financial advisors on issues involving domestic and international estate and tax planning, business succession, wealth transfer, international cross border issues and philanthropic objectives. She focuses on developing and helping clients implement comprehensive strategies to facilitate the preservation, transfer, and management of wealth. Andrea performs thorough reviews of clients' estate planning documents to ensure that each plan accurately reflects the family's goals and objectives in a tax-efficient manner.

Prior to joining UBS in March of 2024, Andrea was a senior wealth strategist for Morgan Stanley Private Wealth Management. Prior to that, she practiced law in the Private Client department of Paul, Weiss, Rifkind, Wharton and Garrison, LLP for over 15 years.

Education
Andrea has an LL.M. in Tax from Boston University and J.D. from St. John’s University School of Law.
Gregg Arum, CFP

Executive Director

Structured Solutions Consultant

View bio

Gregg serves as a Structured Solutions Consultant for the New York City and Northern New Jersey Market Areas, and Private Wealth Management; responsible for the positioning of Structured Products across all asset classes. Gregg works closely with Financial Advisors and their clients, helping them understand the risks and rewards of structured products, and how both portfolio and tactical ideas can fit into a client’s overall portfolio strategy.

Professional History
Gregg joined UBS in 1998 and has held a variety of positions in Capital Markets. In his previous role, he served as a Municipal Bond Portfolio Specialist on the Northeast Municipal Bond Desk. Prior to that, he worked in Unit Investment Trusts as a member of the Equity Advisory Group. He has also served as a Financial Advisor in New York City.

Education
Gregg holds a B.A from the University of Florida.

Licenses and Certifications
FINRA Series 7, 63 and 65
CERTIFIED FINANCIAL PLANNER™
Julie Binder

Executive Director

Senior Strategist - Family Advisory and Philanthropy Services

View bio

Professional history
As a Senior Strategist with Family Advisory and Philanthropy Services, Julie works with families on understanding money, values and philanthropic intent in the family wealth context and the dynamic overlap of five types of capital—human capital, intellectual capital, social capital, foundational capital, and financial capital. Family and Philanthropy Advisory is a thought partner to advisors and their exceptional client families on wealth transition, family governance, and philanthropy as families seek guidance on cohesive dialogue between generations to perpetuate their legacy.

Prior to joining UBS Financial Services in 2018, Julie was with Foundation Source, a provider of comprehensive support services for private foundations for nearly a decade. While there, she was responsible for understanding the needs and identifying philanthropic solutions for ultra-high net worth clients and the Private Wealth Advisors who serve them. Julie worked with hundreds of clients to think about the impact of their philanthropy on their families and communities. Before Foundation Source, Julie worked for a boutique consulting firm that specialized in corporate philanthropy, and spent several years in business development for Texas Monthly and New York Magazine.

Education
Julie graduated from the University of Connecticut with a B.S. in Marketing and holds a Fellowship in Charitable Estate Planning from the Charitable Estate Planning Institute. She is an active volunteer with many local community organizations, and lives in Stamford, CT with her husband and two sons.

Insights

By understanding what’s most important to you, we can organize your financial life to help make sure your short-term needs don't cloud your long-term goals. We provide a structure so you clearly understand where your money is, and why. The plan we create together can help you stay focused at each stage of life, today, tomorrow and for future generations.

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Texas flood relief

Support and resources

Our UBS Optimus Foundation in the US is directly supporting emergency response, relief and reconstruction activities in Texas through our partnerships with World Central Kitchen and Team Rubicon. You can support these organizations and pool funds, together with Optimus, to increase their ability to support communities in Texas. In addition, any client donation to one of our Optimus partners will receive a 10% match from UBS.

Learn how you can get involved and make an impact through the UBS Optimus Foundation.

^{The UBS Optimus Foundation is a global network of separately organized and regulated, tax-exempt, charitable organizations, founded and managed by UBS, that make grants and other financial contributions to implementing partner organizations aligned with their values and objectives.}

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UBS is a leading and truly global wealth manager

Financial planning and beyond

Our clients are truly remarkable individuals.

Richard Greenspan, CIMA

Harris Grodin

Leyla Ciner

Emily Lau

Michael Ury

Jack McCombe

Andrea Sanft

Gregg Arum, CFP

Julie Binder