A plan for today, tomorrow and generations to come

kern team

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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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.

  • michael-kern

    Michael Kern

    Senior Vice President–Wealth Management

    Financial Advisor

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    • AR
    • FL
    • GA
    • ID
    • IL
    • IN
    • KY
    • MA
    • MN
    • MO
    • MT
    • NC
    • NJ
    • NV
    • OH
    • PA
    • TN
    • VA
    • WY

    Mike began his career in the life and health insurance industry. He soon realized he could simplify these sometimes complex financial products so that people could understand their importance. Mike’s mission in wealth management is to understand his clients’ needs and goals in order to enable them to make the best possible investment decisions.

    Mike and his wife, Nancy, have three children and eleven grandchildren. He is a lifelong resident of Greater Cincinnati. Mike enjoys spending time with his family and playing golf.

    Licenses: Series 3, 7, 8, 63, 65, life and health insurance

        • Certified Investment Management Analyst®
        3601 Rigby Road
        Miamisburg, OH 45342
      • sheila-vance

        Sheila Vance

        Account Vice President

        Financial Advisor

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        • FL
        • GA
        • ID
        • IL
        • IN
        • KY
        • MA
        • MN
        • MT
        • NC
        • NJ
        • OH
        • PA
        • TN
        • VA
        • WY

        Sheila, a Financial Advisor with UBS Financial Services, has over 30 years of experience in the financial services industry. Sheila has been with UBS for over 25 years. Sheila and her husband, Andrew, live in Florence, Kentucky with their two cats, Lucy and Bella.

        Licenses: 7, 63, 65 & Insurance

              3601 Rigby Road
              Miamisburg, OH 45342
            • michelle-lowe

              Michelle Lowe

              Senior Wealth Strategy Associate

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              • FL
              • GA
              • ID
              • IN
              • KY
              • MN
              • MT
              • OH
              • PA
              • TN

              Michelle is currently a Wealth Strategy Associate with UBS Financial Services on the Kern Team in Cincinnati, Ohio. She has over 19 years of experience in the Financial Services industry.

              Michelle and her husband, Sam, have two boys, Trent and Jared.

              Licenses: Series 7, 63, 66 & Insurance

                    3601 Rigby Road
                    Miamisburg, OH 45342

                  The circular economy: What is it?

                  Retirement planning

                  Retirement planning

                  Multigenerational planning

                  Multigenerational planning

                  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.