$6 trn
UBS Group invested assets
As of 12/31/2024
Building on a foundation of trust
Washington Wealth Management offers business owners, entrepreneurs, and affluent families a collaborative family office approach for making thoughtful, informed decisions about personal and business objectives. We are experienced in virtually every aspect of wealth management, including financial and retirement income planning, asset allocation, risk management, lending, insurance, estate planning and philanthropy.
Our team provides innovative solutions for helping you sustain and grow your wealth and preserve your legacy. With our disciplined process to each generation of your family, we help you meet your most important financial opportunities and challenges.
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.
For over 15 years, Karen has been fully engaged in effecting wealth management, financial planning, and investment solutions for high net worth individuals and business owners. She focuses on helping her clients achieve success across all aspects of their financial lives, while providing an exceptional level of service.
Karen takes each client through a comprehensive planning process, which starts with carefully listening and making sure she understands their unique situation, values, and vision for their future. She then designs and implements a customized plan that draws on cash flow analysis, simulation testing, and risk management to arrive at the optimal asset allocation. As circumstances in her clients' lives change, the plan evolves and adjusts, giving them the confidence to move forward no matter what challenges come their way.
Karen is a CERTIFIED FINANCIAL PLANNER™ professional, a certification she earned after obtaining a Certificate in Financial Planning from Georgetown University. She obtained the Certified Investment Management Analyst® designation upon successfully completing Yale University's CIMA® registered education program, administered by the Investments and Wealth Institute. She earned the Chartered Retirement Planning CounselorSM designation through the College for Financial Planning®. As a Certified Exit Planning Advisor, she understands the unique opportunities and challenges that come at every stage of an entrepreneur's personal and business life, from launch through exit and beyond
Karen graduated with a B.S. in finance and a B.A. in psychology from the University of Maryland, which she attended on a full scholarship. She holds Series 7, 66, and 31 securities licenses and is life, health, and long-term care insurance licensed. Her passion for traveling and learning about different cultures has taken her to over 25 countries, but as a fourth generation Washingtonian, she is proud to call DC home.
CA Insurance License #0M39025
To Vic, wealth management has never been about overseeing assets. It’s an interwoven story of a client’s life that reflects their values, traditions and unique personal goals. As a UBS Private Wealth Advisor, a fourth-generation financial advisor with more than 25 years of experience, Vic embraces each “chapter” of that story, providing guidance that ultimately helps clients achieve financial success and confidence in their future. His advice centers on the particular planning and business transition needs of CEO founders, wealth creators, business owners and entrepreneurs.
Vic works with clients and their other professional advisors to help integrate their current objectives and long-term goals into an overall plan. He strives to deliver practical, executable strategies and solutions. Vic’s advice, informed by his professional collaboration with clients’ attorneys and CPAs, reflects their expertise and a consistent approach to managing the complexities of significant wealth.
Accolades and education
Life
Giving back to his community is the philosophy Vic lives by every day. This legacy includes the contributions of Vic’s late grandmother, Avis Birely, who is credited as the first woman to become the president of the Montgomery County Council Board.
Linh Toomey joined our team as a Client Service Associate in 2024. Linh began her career at T. Rowe Price, bringing with her 9 years of industry experience in trading, operations, and client reporting. Her expertise in analysis combined with her genuine and caring nature is an asset to our client service team and to our clients.
Linh is an alumnus of Towson University where she graduated with a B.S. in Finance. She also completed graduate-level investment courses at Johns Hopkins Carey Business School. In 2023, Linh received the Bright Award from the Asian Advisory Council for MOSAIC Asian Heritage Community at T. Rowe Price for her work in organizing cultural events for associates to promote diversity and inclusion within the workplace. Linh will be working side by side with our operational team members, Susan Harrison and Daniel Corr to equally handle all administrative responsibilities and client service requests.
Raised in Baltimore, Maryland, Linh is thrilled to call Washington, DC her new home. Outside of the office, Linh enjoys traveling, practicing yoga, painting, and learning foreign languages. Linh speaks English and Vietnamese.
For over 15 years, Karen has been fully engaged in effecting wealth management, financial planning, and investment solutions for high net worth individuals and business owners. She focuses on helping her clients achieve success across all aspects of their financial lives, while providing an exceptional level of service.
Karen takes each client through a comprehensive planning process, which starts with carefully listening and making sure she understands their unique situation, values, and vision for their future. She then designs and implements a customized plan that draws on cash flow analysis, simulation testing, and risk management to arrive at the optimal asset allocation. As circumstances in her clients' lives change, the plan evolves and adjusts, giving them the confidence to move forward no matter what challenges come their way.
Karen is a CERTIFIED FINANCIAL PLANNER™ professional, a certification she earned after obtaining a Certificate in Financial Planning from Georgetown University. She obtained the Certified Investment Management Analyst® designation upon successfully completing Yale University's CIMA® registered education program, administered by the Investments and Wealth Institute. She earned the Chartered Retirement Planning CounselorSM designation through the College for Financial Planning®. As a Certified Exit Planning Advisor, she understands the unique opportunities and challenges that come at every stage of an entrepreneur's personal and business life, from launch through exit and beyond
Karen graduated with a B.S. in finance and a B.A. in psychology from the University of Maryland, which she attended on a full scholarship. She holds Series 7, 66, and 31 securities licenses and is life, health, and long-term care insurance licensed. Her passion for traveling and learning about different cultures has taken her to over 25 countries, but as a fourth generation Washingtonian, she is proud to call DC home.
CA Insurance License #0M39025
To Vic, wealth management has never been about overseeing assets. It’s an interwoven story of a client’s life that reflects their values, traditions and unique personal goals. As a UBS Private Wealth Advisor, a fourth-generation financial advisor with more than 25 years of experience, Vic embraces each “chapter” of that story, providing guidance that ultimately helps clients achieve financial success and confidence in their future. His advice centers on the particular planning and business transition needs of CEO founders, wealth creators, business owners and entrepreneurs.
Vic works with clients and their other professional advisors to help integrate their current objectives and long-term goals into an overall plan. He strives to deliver practical, executable strategies and solutions. Vic’s advice, informed by his professional collaboration with clients’ attorneys and CPAs, reflects their expertise and a consistent approach to managing the complexities of significant wealth.
Accolades and education
Life
Giving back to his community is the philosophy Vic lives by every day. This legacy includes the contributions of Vic’s late grandmother, Avis Birely, who is credited as the first woman to become the president of the Montgomery County Council Board.
Linh Toomey joined our team as a Client Service Associate in 2024. Linh began her career at T. Rowe Price, bringing with her 9 years of industry experience in trading, operations, and client reporting. Her expertise in analysis combined with her genuine and caring nature is an asset to our client service team and to our clients.
Linh is an alumnus of Towson University where she graduated with a B.S. in Finance. She also completed graduate-level investment courses at Johns Hopkins Carey Business School. In 2023, Linh received the Bright Award from the Asian Advisory Council for MOSAIC Asian Heritage Community at T. Rowe Price for her work in organizing cultural events for associates to promote diversity and inclusion within the workplace. Linh will be working side by side with our operational team members, Susan Harrison and Daniel Corr to equally handle all administrative responsibilities and client service requests.
Raised in Baltimore, Maryland, Linh is thrilled to call Washington, DC her new home. Outside of the office, Linh enjoys traveling, practicing yoga, painting, and learning foreign languages. Linh speaks English and Vietnamese.
Eligibility is based on quantitative factors and is not necessarily related to the quality of the investment advice. For more information on third party rating methodologies, please visit ubs.com/us/en/designation-disclosures.
Eligibility is based on quantitative factors and is not necessarily related to the quality of the investment advice. For more information on third party rating methodologies, please visit ubs.com/us/en/designation-disclosures.
A road map for your financial priorities
Our consultative approach is comprehensive: we gather insights about your unique personal and financial situation so that we can build an individually tailored financial plan for you. Whatever stage of life you are in or financial challenges you face, we provide the thoughtful guidance to help direct your decision-making process.
Constructing your financial plan. We spend the time to really get to know you, your loved ones and your goals. We look at all aspects of your financial life, integrating your assets and liabilities, savings, and portfolios into a comprehensive and cohesive plan.
Preserving multigenerational wealth. Attuned to preserving the financial independence of your entire family, we can help structure a deliberate and meaningful estate planning strategy focused on your goals, values and the needs of each generation.
Tailored lending solutions. We will help you borrow wisely, the way you want, whatever the need, from financing a large purchase to buying a home to structuring credit for a business venture.
Insurance review. We view insurance as a tool to help protect your family’s assets, replace income, and create a legacy for philanthropic causes most important to you.
Philanthropic advice. We’ll work with you and each generation of your family to provide education on philanthropy. Our advice addresses tax-efficient investment strategies, your current charitable goals and contributions, and family governance guidance.
Women and wealth. A number of our clients are successful women who trust us to deal with their most sensitive financial issues. We help them navigate the financial and legal hurdles they may face professionally when starting a business or new career, or personally during a separation, divorce or loss of a loved one.
The power of planning
David Andreadis is a Private Wealth Advisor and Karen Ben-Shlaush is a Certified Financial Planner™ professional. Each has met stringent requirements to obtain these certifications, and together they provide a depth of planning acumen that can help enrich our clients’ personal and professional lives.
“Families count on our comprehensive planning approach to feel confident about their financial future.”
— Karen Ben-Shlaush
“Our planning process is designed to address your entire financial picture, offering solutions for both the simple and complex issues you’re facing.”
— Danielle Suzanne Tersaga
If you’re like most entrepreneurs, a substantial portion of your family wealth is invested in your business. This comes with its own unique challenges. Through financial planning and risk management strategies, we can help you address these challenges at each stage of your business maturity. When you are ready to transition, we will help you do so with confidence on your own terms and schedule.
Growth strategies
Monetize your business
Selling or transitioning your business
Plan for life post-exit
Certified Exit Planning Advisor (CEPA)
David Andreadis and Karen Ben-Shlaush have earned the CEPA designation, certifying them as qualified professional advisors in the field of exit planning. Working with business owners, they incorporate exit strategy insights and tools into their approach, aligning their clients’ business, personal and financial goals into one cohesive roadmap for a successful exit.
“We’ll help you make confident business transition decisions by coordinating our extensive UBS resources and network of professionals.”
— David Andreadis
Careful stewards of your wealth
The foundation of our investment strategies comes from the insights of both internal and external sources, combined in an integrated and systematic process. Asset allocation and risk management is tailored to your unique situation. The result is a complete understanding of your priorities that helps us provide tangible results.
Portfolio construction. Our team is grounded in the best practices of prudent asset allocation and risk management. We build custom investment strategies based on a disciplined due-diligence process for identifying the most efficient and risk-conscious ways to construct your portfolio to conform to your investment objectives.
Portfolio management. In addition to offering a full suite of traditional investments, our open architecture platform provides clients with exclusive access to top money managers and alternative investments. With analysts in 50 different countries, our research presents a truly global perspective.
Portfolio Management Program
David Andreadis is a Managing Director – Wealth Management with an B.S. in Finance from the University of Maryland School of Business. David is a UBS Portfolio Management Program (PMP) advisor, qualified to offer discretionary day to day management of assets, customized for your unique objectives. David is a Chartered Portfolio Manager, as well as a Certified Private Wealth Advisor and Certified Investment Management Analyst.
Sustainable investing. Investing sustainably is a powerful and effective way to drive positive change in society without having to compromise your financial return. Each asset class has sustainable options that achieve risk and return outcomes as well as or better than conventional investments.
“Our investment management process is built on a clear understanding of your financial goals, the experience to offer sophisticated yet practical solutions and the wisdom to help you make the right decisions.”
— David Andreadis
ESG Investing Risk—Environmental, Social and Governance factors may inhibit a portfolio manager’s ability to participate in certain investment opportunities that otherwise would be consistent with its investment objective and other principal investment strategies. Underlying companies in a particular fund may not necessarily meet exemplary standards in all aspects of ESG performance; nor is any company perfect when it comes to corporate responsibility or sustainability.
PMP is a wrap fee advisory program in which our Financial Advisors manage client accounts on a discretionary basis. PMP is designed for clients who (i) want to delegate portfolio management discretion to their Financial Advisor; (ii) are looking to implement a medium to long-term investment plan; and (iii) prefer the consistency of fee-based pricing.
PMP is not appropriate for clients who: (i) want to maintain trading control over their account; (ii) seek a short-term investment; (iii) want to maintain consistently high levels of cash, money market funds, or invest primarily in no-load mutual funds; (iv) want to maintain highly concentrated positions that will not be sold regardless of market conditions; or (v) who anticipate significant withdrawals from the account.
Financial Advisors who participate in the PMP Program may also provide services to you and to other clients outside of the Program in their capacity as broker-dealer representatives and as such, may dedicate time to activities other than discretionary portfolio management. Financial Advisors who participate in the PMP Program have an incentive to recommend their services in PMP over those of third party SMA Managers in other Advisory Programs or over traditional commission based brokerage services. Financial Advisors who participate in the PMP Program have an incentive to recommend their services in PMP over those of third party SMA Managers in other Advisory Programs or over traditional commission based brokerage services. Financial Advisors in the PMP Program and the strategies they manage in the Program are not subject to due diligence and research standards which are applicable to third party investment managers approved for our separately managed accounts. In addition, the standards applied to the performance review of third party managers varies significantly from the review of performance applicable to Financial Advisors in the Portfolio Management Program. Those differences can result in situations in which a SMA Manager is placed on hold or terminated from participating in our Programs, while Financial Advisors in the PMP Program remain available for investment. The different standards of review create a conflict of interest in our recommendation of the strategies managed by our Financial Advisors.
Trade Allocation Practices and Conflicts of Interest: Financial Advisors do not aggregate orders across the different strategies they manage. In an effort to reduce market impact and to obtain best execution, your Financial Advisor may purchase or sell securities in bulk (or orders may be “batched”) on the same day for some or all PMP accounts in the same strategy managed by the same Financial Advisor. In such cases, all orders in a batch will receive “average pricing” and the price of securities shown on client confirmations will be the average execution price on either all of the purchases or all of the sales (as applicable) aggregated for this purpose. In addition, when executing orders, we may batch orders for your Account with orders entered for other PMP accounts in the same strategy, including those of the Financial Advisor assigned to your Account and related PMP accounts under your Financial Advisor’s control. Financial Advisors are permitted to trade in the same securities they purchase for client accounts as long as they trade their personal and related accounts in the same batch as client accounts.
Financial Advisors have broad discretion to trade their PMP Advisory Accounts and there can be no assurance that a Financial Advisor can purchase or sell the same securities for all such Accounts at the same time, or that the Financial Advisor will aggregate your orders with those of other clients and charge an average price per share or unit and, when applicable, a pro-rata share of any fees. As a result, you may receive different prices and executions for the same securities as compared to other clients investing in the same PMP strategy. In addition, although we monitor performance dispersion and other characteristics of Accounts participating in PMP, investment opportunities will not necessarily be allocated among participating Accounts proportional to their overall amount invested. Below are some of the general risk considerations associated with the investments included in the PMP investment strategies described in this Brochure. The descriptions are not meant to be a complete list of all investment risks. For more complete information regarding fees, expenses, risks and restrictions associated with these investments please review the offering documents and marketing materials. Investors should consult their tax advisor about their specific tax situation before investing in any securities. In addition, clients should familiarize themselves with the particular market risks and the other risks associated with the specific investment.
If you would like more information about the Program or have questions about your account, please ask your Financial Advisor or refer to the firm’s Form ADV Disclosure Brochure. UBS Financial Services Inc. does not provide tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances.
Fixed income involves two main risks related to interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments. Furthermore, high yield bonds are considered to be speculative with respect to the payment of interest and the return of principal and involve greater risks than higher grade issues.
Options Options involve risk and are not suitable for everyone. Prior to buying or selling an option investors must read a copy of the Characteristics & Risks of Standardized Options, also known as the options disclosure document (ODD). It explains the characteristics and risks of exchange traded options. The options risk disclosure document can be accessed at the following web address: www.optionsclearing.com/about/publications/character-risks.
There are two sources of UBS research. Reports from the first source, UBS Chief Investment Office, Global Wealth Management (CIO-GWM) are designed for individual investors and are produced by UBS Global Wealth Management (which includes UBS Financial Services Inc. and UBS International Inc.). The second research source is UBS Investment Research, and its reports are produced by UBS Investment Bank, whose primary business focus is institutional investors. The two sources operate independently and may therefore have different recommendations. The various research content provided does not take into account the unique investment objectives, financial situation or particular needs of any specific individual investor. If you have any questions please consult your Financial Advisor.
Diversification does not assure a profit or guarantee against loss in declining markets. Asset Allocation does not guarantee a profit or protect against loss in a declining financial market. Past performance does not guarantee future results and current performance may be lower or higher than past performance data presented.
The information and data presented is believed to be reliable; however, their accuracy and completeness is not guaranteed by UBS Financial Services Inc. UBS does not assume any duty to update this information going forward.
For index definitions, please visit our web site at ubs.com/indexdefinitions.
Personalized service is the key to a successful relationship
Through individualized attention, we aim to develop the kind of trust and confidence that is invaluable to every aspect of your financial life. Our team is accountable to you and works diligently on your behalf.
We work for you. Our team always puts your needs first. Our service goes above and beyond the expected, offering a highly personalized experience that is responsive and flexible to your needs.
A network of resources. By working closely with your tax professionals, attorneys and other trusted advisors, as well as our network of financial specialists within and outside UBS, we can incorporate all perspectives into one comprehensive approach.
Attention on your terms. We schedule regular meetings on a monthly, quarterly, or semi-annual basis, based on your preferences and what works best for you. This frequent and planned communication keeps us on track to meeting your goals and objectives.
Personal client service. Clients rely on our proactive and compassionate client service team for a host of critical financial and administrative needs, from the My Total Picture view of your entire wealth to account opening and maintenance support. Our long-lasting relationships are a testament to the quality of service we provide for each client’s unique situation.
“We constantly strive to exceed our clients’ expectations. You can count on us for prompt attention, regular communication, and an exceptional level of service.”
— Susan Harrison
The My Total Picture service enables UBS to retrieve information about your non-UBS accounts (“Outside Accounts”) at your direction from the other financial institutions’ websites. The service is provided for your convenience and information only. Unless we agree in writing otherwise, UBS does not provide advice or recommendations with respect to your Outside Accounts and is not responsible for activity or transactions you conduct in your Outside Accounts. UBS does not verify the holdings, valuations or other information we receive about your Outside Accounts. UBS Financial Services Inc.’s SIPC coverage and supplemental SIPC insurance only apply to eligible assets held by UBS Financial Services Inc.
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.
$6 trn
UBS Group invested assets
As of 12/31/2024
51 countries
Our global footprint
Global leader
UBS is a leading and truly global wealth manager
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