Lasting relationships

Understanding what matters most to you

Co-workers having a conversation

Where are you today and where do you want to be tomorrow? We recognize that a lasting relationship starts by listening and understanding your priorities and concerns. We'll work together to look at the big picture, discuss your vision for the future and help you confidently pursue your life goals.

rowing

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.

  • Rick

    Rick Penafiel

    Managing Director

    Market Director

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    • 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

    Rick Penafiel is a Managing Director and Market Executive for UBS Financial Services Inc. in South Florida. Based in Boca Raton, he leads the newly established South Florida market and is focused on building a strong community for Financial Advisors, teams and clients across the region.

    Rick brings more than 20 years of leadership experience in wealth management. Before joining UBS, he spent nearly three decades with J.P. Morgan, most recently serving as Regional Director for the Northeast, with responsibility for offices in Boston, Philadelphia, New Jersey and Washington, D.C. Earlier, he led the Boston, Palm Beach and Miami offices and spent 12 years building J.P. Morgan Advisors' presence in Florida.

    Throughout his career, Rick has concentrated on business growth, advisor development and recruiting. He has helped advisors connect clients with the breadth of their firm's capabilities and has worked to attract experienced professionals seeking to grow their businesses. His leadership approach emphasizes high character, respect, fairness, energy and a culture in which people can do their best work.

    Rick began his career at PaineWebber in 1993 and joined a J.P. Morgan predecessor firm in 1997, moving into sales management in 1999. He earned a B.S. from Boston College and holds FINRA Series 3, 7, 8, 24, 63 and 65 securities licenses.

    Rick and his family have relocated to South Florida. Outside of work, he enjoys fishing and spending time with his family.

          1800 North Military Trail
          Suite 300
          Boca Raton, FL 33431
          rick.penafiel@ubs.com
          Rick Penafiel
          1800 North Military Trail,Boca Raton,FL,33431
        • Antonio Cotton

          Antonio Cotton

          Director

          Market Administrative Officer

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          • AK
          • AL
          • AR
          • AZ
          • 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

          Antonio is an Associate Market Executive for the Florida Market. Antonio is a results-oriented Associate Market Executive, overseeing the Florida Market. He drives business development, implements sales growth plans, and develops coaching programs for financial advisors to enhance their professional growth. Antonio manages escalated issues, including financial, reputational, and compliance risks. He also supports financial advisor recruitment, hiring, and onboarding. Previously, as Client Experience Director, Antonio streamlined processes to improve client and advisor experiences.

          Antonio began his career with Merrill Lynch in 2006, advanced into leadership roles, and joined UBS in 2015. He holds dual Bachelor's degrees in Marketing and Management from Northwood University.

                525 Okeechobee Blvd.
                Suite 1500
                West Palm Beach, FL 33401
                antonio.cotton@ubs.com
                Antonio Cotton
                525 Okeechobee Blvd.,West Palm Beach,FL,33401
              Three generations in apple orchard

              Turn possibilities into a plan

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              A leading global wealth manager

              Two brothers. One inheritance.

              How will their story unfold?

              Inheritance is about more than money. It’s about navigating family, history and your future. See how two brothers decide what to hold onto, what to let go and how to move forward. 

              If you’re going through a wealth transfer event like an inheritance, death or divorce, our experienced guidance can help give you more confidence.

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              As of 12/31/2025

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              UBS is a leading and truly global wealth manager

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