Experience

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

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

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

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.

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 client satisfaction and is adept at addressing client inquiries, facilitating transactions, and assisting with account management. Dylan is originally from Wyckoff, NJ and now resides in the West Village.