Let's move forward. Together.

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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.

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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.

  • Justin G. Kappel

    Justin Kappel

    Executive Director

    Market Director

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    • FL
    • IA
    • MN
    • ND
    • SD
    • WI

    Since 2012, Justin has held roles in field leadership at UBS. In 2021, he was named the Complex Director for the St. Paul and Great Plains Complex for UBS. In this role, Justin is responsible for the businesses in St. Paul, MN, St. Cloud, MN, Alexandria, MN, Fargo, ND, Sioux Falls, SD, West Des Moines, IA and Davenport, IA. Justin has also served as the Branch Manager for Wayzata, MN, St. Paul, MN and as the Assistant Complex Director for the Minnesota Complex. Now in his current role as Market Director, Justin oversees the Wayzata, MN, St. Paul, MN, St. Cloud, MN and Fargo, ND offices. 

    Prior to 2012, Justin held various roles at UBS and predecessor firms -- ranging from leading home office sales support teams, leading technology and practice management training teams, and serving as regional business analyst. With this wide range of experience over his 25-plus year career, Justin is able to listen to advisors and their teams as they share the vision for their practices. Equally as important, he connects teams to the right people from around the firm in order to bring the best of UBS to clients and advisor practices.

    Justin earned his B.S. degree in Mathematics and Economics from North Dakota State University in Fargo, ND. He lives in Minneapolis with his wife, Stephanie, and two sons. Outside of work, Justin spends much of his summer and fall coaching for the Minneapolis Youth Baseball Association. When not coaching or watching a ball game, he enjoys traveling with his family, running (two-time marathon finisher) and recently began taking guitar lessons.

          444 Cedar Street
          Suite 2200
          St Paul, MN 55101
          justin.kappel@ubs.com
          Justin Kappel
          444 Cedar Street,St Paul,MN,55101
        • Brianna Baker Headshot

          Brianna Baker

          Director

          Associate Market Executive

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          • MN
          • NJ

          Brianna is the Associate Market Executive and Market Business Manager of the Midwest Market for UBS Financial Services Inc. The market consists of 310 Financial Advisors located across nine states: Minnesota, Nebraska, Missouri, Oklahoma, Kansas, Wisconsin, Iowa, North Dakota and South Dakota servicing the wealth management needs of high net worth and ultra-high net worth clients. Brianna has spent her entire career at UBS, starting in the London office in 2012 as the Learning and Development Analyst focused on collaboration between Wealth Management, Investment Bank and Asset Management. Since then, she was the Campus Recruiting and Graduate Training Program Coordinator which involved recruiting junior talent from top universities and assisting them in the career development within UBS Wealth Management. Most recently, Brianna was a Senior Events Specialist for UBS Wealth Management and curating world-class events for our clients, incentive trips for our top financial advisors, and conferences for the firm.


          Brianna received her International M.B.A. from the St. Mary’s University Twickenham in London, UK, and in partnership with Naresuan University in Bangkok, TH. She also graduated from Colorado State University with her Bachelor of Science in Business Administration. Currently she holds her FINRA Series 7, 9, 10 licenses; NASSA Series 66 license; and Life, Health and Accident Insurance Licenses.


          Brianna grew up in Denver, CO, and currently lives in Minneapolis, MN, with her partner, Eric, and their two dogs, Turbo and Rider. She has also lived in Jersey City, NJ, Bangkok, TH, and London, UK. Outside of work, she enjoys traveling, scuba diving, Broadway shows, concerts, and hiking. Brianna has also sky-dived three times, bungee jumped once, and goes whitewater rafting.

                681 East Lake Street
                Wayzata, MN 55391
                brianna.baker@ubs.com
                Brianna Baker
                681 East Lake Street,Wayzata,MN,55391
              • Stephanie J. Berghs

                Stephanie Berghs

                Authorized Officer

                Branch Office Administrator

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                  In her capacity as branch administrator, Stephanie plays two key roles – the first is to support the Branch Management Team and the second, as a member of the branch management team, is to ensure that the branch operates smoothly.  Stephanie supports the on-boarding and hiring process, handles facilities management, provides administrative support for human resource activities and monitors licensing and registrations of Financial Advisors.  Stephanie is also Chairman of the Wayzata Advisory Council which organizes philanthropic events for the branch.

                  Stephanie has been with UBS since 1995. She is a Criminal Justice alumna from the University of St. Thomas. In her free time, Stephanie enjoys spending time with family and friends, reading, watching movies on the big screen, and travelling.

                        681 East Lake Street
                        Wayzata, MN 55391
                        stephanie.j.berghs@ubs.com
                        Stephanie Berghs
                        681 East Lake Street,Wayzata,MN,55391
                      • Marit headshot

                        Marit Ripley

                        Associate Director

                        Admin Manager

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                        • MN

                        Marit joined the financial services industry in 2017 and she has been with UBS since 2022. She currently serves as Administrative Manager for the Wayzata, MN, St. Cloud, MN, Alexandria, MN, and Fargo, ND offices.

                        Prior to 2017, Marit spent 12 years in leadership roles in the food service and retail industries. Throughout her career, she has enjoyed coaching and developing her teams toward achieving their highest potential, and she continues to pursue that passion with UBS. In addition to her supervisory duties, Marit provides tailored coaching for Wealth Management teams on building efficiencies into their business routines and supporting each individual’s professional development.

                         Marit earned her B.A. degree in Theater Arts from Concordia College, Moorhead, MN. She holds FINRA Series 7, 66, 9 and 10 licenses. In her spare time, Marit enjoys spending time with her husband and children in their garden, hiking in the many regional parks in the Twin Cities, trying new recipes, and finding ever-more-challenging puzzles to complete.

                              681 East Lake Street
                              Wayzata, MN 55391
                              marit.ripley@ubs.com
                              Marit Ripley
                              681 East Lake Street,Wayzata,MN,55391

                            A focus on personalized access and service

                            Working with diverse clients with specific needs, our team sees it as our top responsibility to understand each aspect of your unique and often complicated financial life.

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                            Now in its 15th edition, the Global Wealth Report 2024 offers you leading insights into household wealth and prosperity across the world. In the US, average wealth growth has spiked from 3.7% between 2000 and 2010 to nearly 6.3% between 2010 and 2023.

                            Gain additional insights into the trends shaping wealth in the US and around the world.

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                            A leader in wealth management

                            Backed by the strength of our parent company, UBS AG

                            $5.8+ trn

                            UBS Group invested assets
                            As of 03/31/2024

                            51 countries

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                            UBS is a leading and truly global wealth manager

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