Cheryl Barker Harwood is a financial advisor with UBS Financial Services in Mishawaka, IN, holding a Series 66 designation and 19 years of industry experience. She has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.

Joseph Varga is a financial advisor with UBS Financial Services in Mishawaka, IN, holding Series 63 and Series 65 licenses and having 41 years of industry experience. He has been with UBS since 2006. Varga serves on the Board of Directors at Manchester University, advising the Director of Alumni Relations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering proprietary research and a broad range of capital markets activities.

Raymond Byers is a financial advisor with UBS Financial Services in Mishawaka, Indiana, holding Series 63 and Series 65 licenses and with 30 years of industry experience. He has been with UBS Financial Services since 2009. Outside of his advisory role, he serves as the chairman of the nine-person spiritual assembly for the Baha'is of Clay Township, Granger, Indiana. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines wealth management services with institutional trading capabilities and proprietary research to tailor solutions to clients’ goals and risk tolerances.

Steven Schultz is a financial advisor with UBS Financial Services in Mishawaka, Indiana, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he is a partner in Morgan Maxwell LLC, a family estate planning business, and serves on the board of directors for Northrise University Initiative, a foundation that raises funding for a university. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management to offer tailored financial planning and portfolio management solutions.