A plan for today, tomorrow and generations to come

Two people beach cleanup

Your financial life is unique. The same should be true of your financial plan. We take the time to get to know you, your family and all your most important priorities. As your circumstances change over time and as new opportunities arise, we'll work with you to adjust your plan to help keep you on track. When you look to the future, you should like what you see.

Three generations on beach

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.

  • Meredith Westerman Profile Photo

    Meredith Westerman

    Executive 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

    Meredith is the Branch Manager for our San Mateo and Palo Alto offices. She works with advisors and clients with the primary purpose to create a greater awareness of the best products, services and resources available to them through UBS.

    She has been with the firm since 2011 and started her career in our Home Office where she has spent time working in sales, strategy and our technology departments. Her extensive knowledge of our firm and the resources available makes her a key partner to our business.

    Meredith has a B.S. in Business Administration and Sport Management from Ohio Dominican University in Columbus, OH. Current licenses include the series 7, 9, 10 and 66.

    She currently resides in Belmont and her interests outside of work include being outdoors, cooking and spending time with her dog Moe.

      • Ohio Dominican University in Columbus, OH, B.S. in Business Administration and Sport Management
      • Certified Exit Planning Advisor
      555 California Street
      32nd/ 34th /46th Floor
      San Francisco, CA 94104
      meredith.westerman@ubs.com
      Meredith Westerman
      555 California Street,San Francisco,CA,94104
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      Philip Topacio

      Director

      Market Administrative Officer

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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

            555 California Street
            32nd/ 34th /46th Floor
            San Francisco, CA 94104
            philip.topacio@ubs.com
            Philip Topacio
            555 California Street,San Francisco,CA,94104
          • Arnoldo Photo

            Arnoldo Santiago

            Senior Vice President–Wealth Management

            Associate Market Executive

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            • CA
            • CT
            • DC
            • FL
            • ID
            • IN
            • MA
            • MD
            • NC
            • NV
            • OR
            • PR
            • TX
            • WA

                  555 California Street
                  32nd/ 34th /46th Floor
                  San Francisco, CA 94104
                  arnoldo.santiago@ubs.com
                  Arnoldo Santiago
                  555 California Street,San Francisco,CA,94104
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                  Sanam Baiani

                  Branch Office Administrator

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                          400 South El Camino Real
                          Suite 900
                          San Mateo, CA 94402
                          sanam.baiani@ubs.com
                          Sanam Baiani
                          400 South El Camino Real,San Mateo,CA,94402
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                          Warren Cheung

                          Director

                          Supervisory Officer

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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

                                1255 Treat Blvd
                                Suite 1000
                                Walnut Creek, CA 94597
                                warren.cheung@ubs.com
                                Warren Cheung
                                1255 Treat Blvd,Walnut Creek,CA,94597
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                                Joan Phinney

                                Director

                                Admin Manager

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                                • AL
                                • AR
                                • AZ
                                • CA
                                • DC
                                • FL
                                • HI
                                • IN
                                • MA
                                • MD
                                • ME
                                • MI
                                • MT
                                • NE
                                • NH
                                • NJ
                                • OK
                                • OR
                                • PA
                                • SD
                                • TX
                                • UT
                                • VT

                                      3001 Douglas Boulevard
                                      Suite 160
                                      Roseville, CA 95661
                                      joni.phinney@ubs.com
                                      Joan Phinney
                                      3001 Douglas Boulevard,Roseville,CA,95661
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                                      Beatriz Cardona-Adams

                                      Director

                                      Supervisory Officer

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                                      • CA
                                      • FL

                                            Home Worker FL
                                            Home Worker FL, FL 000
                                            beatriz.cardona@ubs.com
                                            Beatriz Cardona-Adams
                                            Home Worker FL,Home Worker FL,FL,000
                                          Three generations in apple orchard

                                          Turn possibilities into a plan

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                                          Mountain climbers on peak at sunrise

                                          A leading global wealth manager

                                          Texas

                                          Texas flood relief

                                          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.

                                          A leader in wealth management

                                          Backed by the strength of our parent company, UBS AG

                                          $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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