Experience. Advice. Collaboration.

Planning for your family’s entire financial needs

appearances in the media

113

Collective years of experience

With the complexity of today's markets and uncertainty about tomorrow's economy, good financial advice is more important than ever. As a team of dedicated Financial Advisors, we're committed to helping you organize your finances around your short term needs, your longer-term goals and what you envision for generations to come. Our knowledgeable perspective, good judgement and broad experience can help you meet your challenges and seize opportunities.

We're ready to listen.

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 Zinn

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- MA
- MD
- ME
- MI
- NC
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
Michael A. Zinn, CFP®, CIMA®, Managing Director, Wealth Management Advisor. Michael is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and a Certified Investment Management Analyst (CIMA®) and has been advising high net worth clients since 1990. A graduate of Tufts University, Michael taught math briefly before joining Cowen & Company in 1990 and then Merrill Lynch in 1993. At UBS, Michael's responsibilities include private portfolio management, selection of professional fee based money managers and financial planning analysis. Michael has made numerous appearances on CNBC to discuss his outlook on the market. Michael, his wife Nancy, three boys Sam Jonah and Danny, and Dog Augie reside in Montclair, NJ.

CA Insurance License: 0G81465
- 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 Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
- UBS Wealth Management Chairman’s Council, 2024UBS 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.
- CERTIFIED FINANCIAL PLANNER®
- Certified Investment Management Analyst®
- Senior Portfolio Manager
- Wealth Advisor
1285 Avenue Of The Americas
New York, NY 10019

michael.zinn@ubs.com

Michael Zinn

1285 Avenue Of The Americas,New York,NY,10019
Bradley Ray

Senior Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- MA
- MD
- ME
- MI
- NC
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
Bradley I. Ray, CFP®, CIMA®, Senior Vice President, Wealth Advisor, Senior Portfolio Manager, PMP Program. Brad is both a CERTIFIED FINANCIAL PLANNER™ professional and a Certified Investment Management Analyst (CIMA®) and has been advising high net worth clients since 1999. Brad earned his BS from The Pennsylvania State University, where he studied Quantitative Psychology and Information Systems & Statistical Analysis. Brad's responsibilities include financial planning, investment strategy, corporate retirement plans and portfolio management. Brad, his wife Jennifer, daughter Ella, son Xavier and dogs Odin & Winnie reside in Larchmont, NY.

CA Insurance License: 0G81483
- 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 Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
- CERTIFIED FINANCIAL PLANNER®
- Certified Investment Management Analyst®
- Senior Portfolio Manager
- Wealth Advisor
1285 Avenue Of The Americas
New York, NY 10019

brad.ray@ubs.com

Bradley Ray

1285 Avenue Of The Americas,New York,NY,10019
Ryan Svatora

Senior Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- MA
- MD
- ME
- MI
- NC
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
Ryan J. Svatora, CRPC®, ADPA®, Senior Vice President, Financial Advisor. Ryan is a Chartered Retirement Planning Counselor® (CRPC®) and Accredited Domestic Partnership Advisor® (ADPA®), and has been advising high net worth clients since 2003. Ryan earned his BS from The Pennsylvania State University, where he studied International Business and Management. Ryan is a compassionate and experienced Financial Advisor specializing in the unique financial needs of the LGBTQ+ community. Ryan understands the specific challenges and opportunities faced by individuals and couples within the community, and is committed to providing personalized financial guidance tailored to the goals and values of each client. He offers expertise in areas such as retirement planning, tax strategies, estate planning, and investment management, with a deep understanding of the legal and financial implications relevant to gay and lesbian relationships. Ryan currently resides in Maplewood, NJ with his partner Brandon and cats Josie and Callie.

CA Insurance License: 0M56365
- Forbes Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
1285 Avenue Of The Americas
New York, NY 10019

ryan.svatora@ubs.com

Ryan Svatora

1285 Avenue Of The Americas,New York,NY,10019
Christina Spiro

Director

Team Administrator
View bio
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- MA
- MD
- ME
- MI
- NC
- ND
- NJ
- NM
- NV
- NY
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WY
Christina is a seasoned leader with over 27 years of financial services experience. She joined UBS in 2015 from Credit Suisse, where she spent eight years as a Director in Global Wealth Management. Prior to her tenure at Credit Suisse, Christina spent a decade in Private Banking at Lehman Brothers. As the team business manager, Christina is primarily responsible for overseeing ongoing business operations. Christina is passionate about serving clients and recognizes each client’s set of unique needs. Christina graduated from Stockton University with a Bachelor of Science and holds her Series 7 & 63 licenses. Christina is an active member of the Arthritis Foundation, where she served on the Board of Directors for the NJ Chapter for five years. She is also a supporter of numerous animal welfare organizations. Christina resides in Old Bridge, NJ with her husband Joe, their two children, Hailey and Cole and their Alaskan Malamute Skye.
1285 Avenue Of The Americas
New York, NY 10019

christina.spiro@ubs.com

Christina Spiro

1285 Avenue Of The Americas,New York,NY,10019
Samuel Zinn

Senior Wealth Strategy Associate
View bio
- AK
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- PR
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VI
- VT
- WA
- WI
- WV
- WY
Samuel E. Zinn, CFP®, Senior Wealth Strategy Associate. Sam is a CERTIFIED FINANCIAL PLANNER®™ (CFP®) professional and has been advising high net worth clients since 2021. A graduate of Tufts University, Sam worked in advertising and television production before beginning his career in financial services. At UBS, Sam's responsibilities include assisting in portfolio reviews, generational client engagement, and financial planning analysis. Sam is originally from Montclair, NJ and now resides in Brooklyn, NY.
- CERTIFIED FINANCIAL PLANNER®
1285 Avenue Of The Americas
New York, NY 10019

samuel.zinn@ubs.com

Samuel Zinn

1285 Avenue Of The Americas,New York,NY,10019
Dylan Dertouzos

Registered Client Associate
View bio
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- MA
- MD
- ME
- MI
- NC
- ND
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
Dylan Dertouzos, Client Associate. Dylan joined The Zinn, Ray & Svatora Group in 2023, after graduating from Providence College with a major in Business Management. Dylan is dedicated to delivering unparalleled client service and satisfaction. His primary responsibilities include addressing client inquires, processing of banking and investment transactions, and facilitating account maintenance. Dylan is originally from Wyckoff, NJ and now resides in New York City.
1285 Avenue Of The Americas
New York, NY 10019

dylan.dertouzos@ubs.com

Dylan Dertouzos

1285 Avenue Of The Americas,New York,NY,10019

Michael Zinn

Managing Director–Wealth Management

Financial Advisor
View bio Industry recognition
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- MA
- MD
- ME
- MI
- NC
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
Michael A. Zinn, CFP®, CIMA®, Managing Director, Wealth Management Advisor. Michael is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and a Certified Investment Management Analyst (CIMA®) and has been advising high net worth clients since 1990. A graduate of Tufts University, Michael taught math briefly before joining Cowen & Company in 1990 and then Merrill Lynch in 1993. At UBS, Michael's responsibilities include private portfolio management, selection of professional fee based money managers and financial planning analysis. Michael has made numerous appearances on CNBC to discuss his outlook on the market. Michael, his wife Nancy, three boys Sam Jonah and Danny, and Dog Augie reside in Montclair, NJ.

CA Insurance License: 0G81465
- 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 Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
- UBS Wealth Management Chairman’s Council, 2024UBS 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.
- CERTIFIED FINANCIAL PLANNER®
- Certified Investment Management Analyst®
- Senior Portfolio Manager
- Wealth Advisor
1285 Avenue Of The Americas
New York, NY 10019

michael.zinn@ubs.com

Michael Zinn

1285 Avenue Of The Americas,New York,NY,10019
Bradley Ray

Senior Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- MA
- MD
- ME
- MI
- NC
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
Bradley I. Ray, CFP®, CIMA®, Senior Vice President, Wealth Advisor, Senior Portfolio Manager, PMP Program. Brad is both a CERTIFIED FINANCIAL PLANNER™ professional and a Certified Investment Management Analyst (CIMA®) and has been advising high net worth clients since 1999. Brad earned his BS from The Pennsylvania State University, where he studied Quantitative Psychology and Information Systems & Statistical Analysis. Brad's responsibilities include financial planning, investment strategy, corporate retirement plans and portfolio management. Brad, his wife Jennifer, daughter Ella, son Xavier and dogs Odin & Winnie reside in Larchmont, NY.

CA Insurance License: 0G81483
- 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 Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
- CERTIFIED FINANCIAL PLANNER®
- Certified Investment Management Analyst®
- Senior Portfolio Manager
- Wealth Advisor
1285 Avenue Of The Americas
New York, NY 10019

brad.ray@ubs.com

Bradley Ray

1285 Avenue Of The Americas,New York,NY,10019
Ryan Svatora

Senior Vice President–Wealth Management

Financial Advisor
View bio Industry recognition
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- MA
- MD
- ME
- MI
- NC
- NJ
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
Ryan J. Svatora, CRPC®, ADPA®, Senior Vice President, Financial Advisor. Ryan is a Chartered Retirement Planning Counselor® (CRPC®) and Accredited Domestic Partnership Advisor® (ADPA®), and has been advising high net worth clients since 2003. Ryan earned his BS from The Pennsylvania State University, where he studied International Business and Management. Ryan is a compassionate and experienced Financial Advisor specializing in the unique financial needs of the LGBTQ+ community. Ryan understands the specific challenges and opportunities faced by individuals and couples within the community, and is committed to providing personalized financial guidance tailored to the goals and values of each client. He offers expertise in areas such as retirement planning, tax strategies, estate planning, and investment management, with a deep understanding of the legal and financial implications relevant to gay and lesbian relationships. Ryan currently resides in Maplewood, NJ with his partner Brandon and cats Josie and Callie.

CA Insurance License: 0M56365
- Forbes Best-in-State Wealth Management Teams, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
1285 Avenue Of The Americas
New York, NY 10019

ryan.svatora@ubs.com

Ryan Svatora

1285 Avenue Of The Americas,New York,NY,10019
Christina Spiro

Director

Team Administrator
View bio
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- MA
- MD
- ME
- MI
- NC
- ND
- NJ
- NM
- NV
- NY
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WY
Christina is a seasoned leader with over 27 years of financial services experience. She joined UBS in 2015 from Credit Suisse, where she spent eight years as a Director in Global Wealth Management. Prior to her tenure at Credit Suisse, Christina spent a decade in Private Banking at Lehman Brothers. As the team business manager, Christina is primarily responsible for overseeing ongoing business operations. Christina is passionate about serving clients and recognizes each client’s set of unique needs. Christina graduated from Stockton University with a Bachelor of Science and holds her Series 7 & 63 licenses. Christina is an active member of the Arthritis Foundation, where she served on the Board of Directors for the NJ Chapter for five years. She is also a supporter of numerous animal welfare organizations. Christina resides in Old Bridge, NJ with her husband Joe, their two children, Hailey and Cole and their Alaskan Malamute Skye.
1285 Avenue Of The Americas
New York, NY 10019

christina.spiro@ubs.com

Christina Spiro

1285 Avenue Of The Americas,New York,NY,10019
Samuel Zinn

Senior Wealth Strategy Associate
View bio
- AK
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- PR
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VI
- VT
- WA
- WI
- WV
- WY
Samuel E. Zinn, CFP®, Senior Wealth Strategy Associate. Sam is a CERTIFIED FINANCIAL PLANNER®™ (CFP®) professional and has been advising high net worth clients since 2021. A graduate of Tufts University, Sam worked in advertising and television production before beginning his career in financial services. At UBS, Sam's responsibilities include assisting in portfolio reviews, generational client engagement, and financial planning analysis. Sam is originally from Montclair, NJ and now resides in Brooklyn, NY.
- CERTIFIED FINANCIAL PLANNER®
1285 Avenue Of The Americas
New York, NY 10019

samuel.zinn@ubs.com

Samuel Zinn

1285 Avenue Of The Americas,New York,NY,10019
Dylan Dertouzos

Registered Client Associate
View bio
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IL
- IN
- MA
- MD
- ME
- MI
- NC
- ND
- NJ
- NM
- NV
- NY
- OH
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
Dylan Dertouzos, Client Associate. Dylan joined The Zinn, Ray & Svatora Group in 2023, after graduating from Providence College with a major in Business Management. Dylan is dedicated to delivering unparalleled client service and satisfaction. His primary responsibilities include addressing client inquires, processing of banking and investment transactions, and facilitating account maintenance. Dylan is originally from Wyckoff, NJ and now resides in New York City.
1285 Avenue Of The Americas
New York, NY 10019

dylan.dertouzos@ubs.com

Dylan Dertouzos

1285 Avenue Of The Americas,New York,NY,10019

Defining your priorities. Pursuing what matters.

Our experience and structured planning process drives a comprehensive financial plan and customized investment strategies. Depending on where you are in your life and the priorities that matter most, our planning conversations may focus on liquidity management, your cash flow needs, asset replacement solutions such as insurance, estate planning strategies, or tax and legal structures such as trusts and philanthropic vehicles.

Turn possibilities into a plan

What’s really important to you—today and for the long term? UBS Wealth Way starts with questions and discussions that can help you organize your financial life into three key dimensions: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own.

^{UBS Wealth Way is an approach incorporating Liquidity. Longevity. Legacy. strategies that UBS Financial Services Inc. and our Financial Advisors can use to assist clients in exploring and pursuing their wealth management needs and goals over different time frames. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved. All investments involve the risk of loss, including the risk of loss of the entire investment. Time frames may vary. Strategies are subject to individual client goals, objectives and suitability.}

House View Monthly

A leading global wealth manager

Tariffs, volatility and your portfolio

Are you ready?

In the first 100 days of a second Trump administration, policy uncertainty continues to dominate. Do you have questions about the impact of tariffs, inflation and geopolitical developments on your investment strategy?

We’re here to help you make sense of it all and move forward with confidence. Make sure your portfolio is prepared for ongoing market volatility.

Insights

A leader in wealth management

Backed by the strength of our parent company, UBS AG

^$5.9+ trn

UBS Group invested assets
As of 06/30/2024

51 countries

Our global footprint

Global leader

UBS is a leading and truly global wealth manager

Experience. Advice. Collaboration.

Pursuing your goals together

Michael Zinn

Bradley Ray

Ryan Svatora

Christina Spiro

Samuel Zinn

Dylan Dertouzos