Lasting relationships

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Pat Lizza has been with UBS Financial Services Inc. since 2011. As Market Director of the Riverside and Indian Wells offices, Pat oversees new initiatives, expanded opportunities for financial advisors, and connecting financial advisors and clients with the advanced subject matter expertise of the global firm’s specialists. 

Pat has a background in the resort and hospitality industry and is actively involved with the local community. 

He and his family have volunteered with the Boys and Girls Club of Coachella Valley. He is a board member of the World Affairs Council of the Desert, and Xavier College Preparatory High School. 

A native of the Palm Springs area, Pat and his wife have 3 grown children and reside in La Quinta. In his spare time you’ll find Pat enjoying golf, reading, cooking for family and friends and traveling. 

• Forbes Best-in-State Wealth Management Teams, 2024, 2025, 2026The 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.

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Senior Vice President–Wealth Management
Financial Advisor
Certified Exit Planning Advisor^®
Chartered Retirement Planning Counselor

As Senior Vice President, Wealth Management, Scott Morris draws upon more than two decades of experience working with clients and 14 years as a former branch manager at UBS. He has witnessed multiple markets and presidential cycles as a financial advisor, helping clients to anticipate economic changes that could impact their portfolios. Working with high-net-worth individuals and families, many of whom are business owners, Scott helps clients put together customized plans that address their income planning, longevity, retirement, legacy, and other unique needs to gain financial stability and freedom in retirement.

Scott has had a life-long interest in financial services and the ability to help people achieve their financial goals; he entered the financial services industry after graduating from UC Riverside with a Bachelor of Science degree. He currently holds FINRA series 3, 7, 9, 10, 66 registrations, as well as the California Insurance license, Chartered Retirement Planning Counselor (CRPC) and Certified Exit Planning Advisor^® (CEPA^®) designations. 

Committed to providing insightful guidance and advice based on the unique priorities of the families he serves, Scott delivers responsive personal service for each client while working with them to reach the goals they establish through planning, execution, and tax aware financial strategies.

Scott encourages involvement in local communities and has volunteered with the Little League, Val Verde School for the Performing Arts, Boy Scouts of America, Civil Air Patrol, US Navy Sea Cadets, and he is a member of the Order of the Elks. Born and raised in Rancho Cucamonga, Scott continues to reside there with his wife and their children. He and his wife enjoy travelling, cooking, entertaining, exercising, and trying new restaurants and foods.

California Insurance License #0E14405

• Forbes Best-in-State Wealth Advisors, 2022, 2023, 2024, 2025, 2026The 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, 2026The 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 Exit Planning Advisor
• Chartered Retirement Planning Counselor

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Michael focuses on developing and implementing customized retirement plans for individuals and families. Everyone's situation is unique and requires a unique plan. As a Certified Financial Planner, he has many years of experience helping clients successfully achieve their retirement and financial goals. Michael began his career as a financial advisor in 1996 with Dean Witter Morgan Stanley, and joined UBS in 2019. Michael focuses on developing customized wealth management strategies, including risk management, insurance planning, and estate planning services. Through his knowledge of technical and quantitative analysis coupled with UBS’s research, he develops customized asset allocations and re-balancing strategies for clients. Michael earned a degree in Finance from the California State University, San Bernardino.

California Insurance License #0B97412

• Forbes Best-in-State Wealth Management Teams, 2026The 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
• Chartered Retirement Planning Counselor

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As a financial advisor for the Pinnacle Wealth team at UBS, Matthew Bates creates financial plans, identifies investment solutions, and analyzes and interprets portfolio performance for his clients, helping to build trusted client relationships. After joining UBS in 2019 as a Client Service Associate, he has been mentored by the two senior financial advisors on the team – his father, Michael Bates, and long time advisor, Scott Morris – learning how consistent efforts to evaluate the client experience give the greatest level of care and attention to clients. With the team, he focuses on financial planning for retirees and business owners through exit planning and 401(k) plan management. Matthew has achieved his Series 7 and Series 66 licenses and has become registered with FINRA in both California and Arizona. 

He holds a Bachelor of Arts degree from California State University San Bernardino. In his spare time, Matthew enjoys spending time with family and friends, motorcycle riding, traveling, and enjoying different cuisines.

California Insurance License #4103196

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James Kosan, CRPS
Financial Advisor
Senior Vice President – Wealth Management, Portfolio Manager
Matterhorn Legacy Wealth Group

California Insurance License #0F06241

Jim joined UBS in 2024 as a Senior Vice President and Portfolio Manager. For over 40 years, he has been dedicated to meeting clients’ needs by developing innovative solutions to find the best way forward, while always focusing on the goals that truly matter. His practice focuses on providing Family Office Solutions to affluent individuals and their families. Specializing in the changing financial needs during life transitions, Jim manages complex family strategies, business succession strategies, retirement planning goals, both financial and life enjoyment opportunities, tax minimization strategies, inheritance planning, and trust design. In every relationship, his key focus is to deliver comprehensive wealth management to meet the needs of the client.

Jim earned his Bachelor of Science degree in Business Management from California State Polytechnic University, Pomona. He holds FINRA Series 7 and 66 securities licenses and has his Senior Portfolio Manager designation. Jim has a strong desire to serve his community by working with several community groups that focus on youth development. He and his wife, Lori, have been married for 39 years and are the proud parents of three very productive sons. Outside the office, Jim enjoys restoring classic cars and high-adventure, outdoor activities.

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Veronica oversees the client administration for The Pinnacle Wealth Team.  Veronica has over 25 years of experience in the financial industry. She worked at Smith Barney for 12 years and has been with UBS since 2009.  Veronica has been a resident of Riverside for more than a decade.  She and her husband have been blissfully married for over 14 years and she has four amazing children, two boys Nicolas and Alexander, and two girls Isabella and Cassandra.  Veronica likes to relax by camping in her RV with her family, and when she is not glamping she enjoys spending her time watching her son play baseball.

Michele is an integral part of the team, responsible for managing all operations, client requests and account administration. She is committed to building lasting relationships with each client and takes pride in responding to client requests and working with advisors to address client needs, no matter how small or complex. Michele also assists in delivering customized service and solutions, always striving to exceed clients’ expectations. Michele joined UBS after a successful tenure at The Mark USA, a research and evaluation firm, where she demonstrated expertise in financial management and operational efficiency for 8 years.  A native of the East Coast, she relocated to California ten years ago.  Michele is married and has two children, as well as a dog named Blu.  In her leisure time, she enjoys reading, traveling, and cherishing moments with friends and family.