It’s not just about your money, it’s about your entire life.

Michael Deutsch

Michael Deutsch, CFP®, CDFA™

Managing Director

For over eighteen years, Michael has been caring for the financial needs of families, not-for-profits, and businesses. During that time, he has worked in every division of a wealth management firm from trading, client care, and information systems to operations, management and compliance. These experiences enable him to manage the day-to-day affairs of United Capital's Memphis Regional office. Michael has participated in the acquisition of an investment advisory firm and individual financial professionals who provide their talents to their Memphis and Nashville, Tennessee offices.

Michael received his B.A. and M.B.A. from Christian Brothers University and his M.A. in Liberal Education from St. John's College. He has also obtained his Certified Financial Planner™ (CFP®) and Certified Divorce Financial Analyst (CDFA™) designations.

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In 2013, Michael joined the Board of Directors at The Neighborhood School. The school sits in one of the most challenging neighborhoods in Memphis and serves 138 students in grades Kindergarten through eighth grade.

Outside the office, Michael enjoys biking, outdoor adventure sports and spending time with his wife, Ali, and their three young daughters. His long term goal is to complete a ½ Ironman Triathlon.

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    Gina Myers Brewer

    Gina Myers Brewer, CFP®, CDFA™

    Senior Wealth Adviser

    Gina joined the Memphis Team in 2007. She has played many roles within the office from Operations Specialist to her current role as Senior Wealth Adviser. Gina oversees client portfolios as well as provides financial guidance to a vast array of clients to help them achieve their personal financial goals.

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    Gina received her Bachelor of Business Administration in 2004 and Master of Business Administration in 2006 from Delta State University. She completed her Certified Financial Planner® certification in 2009 and obtained her Certified Divorce Financial Analyst (CDFA™) in 2011. She is a Leadership Memphis Executive Program Graduate of 2015 and currently serves on the Board of Directors of the Women’s Foundation for a Greater Memphis.

    In her spare time, Gina enjoys spending time with family and friends, traveling, cooking and spoiling her three dogs.

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      Mark B. Ruleman

      Mark B. Ruleman

      Wealth Adviser

      Bringing 28 years of investment experience including the last twenty as a discretionary manager, Mark joined the United Capital team in Memphis in October 2011. His emphasis has been in understanding the big picture, applying effective asset allocations, and utilizing financial planning to help clients meet their needs and goals. Skilled in utilizing insurance solutions for clients, Mark also addresses long term and retirement needs.

      Mark earned his Bachelor of Science degree with a double major in Physics and Chemistry from The University of Memphis. He also received a degree in Pharmacy from The University of Tennessee and lives in Germantown, TN with his wife of 31 years, Mary, and their two adopted cats. They are very proud of their three grown children, Mary Alice, Billings and Rebecca, and he enjoys tennis, hunting and reading.

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      Securities offered through Girard Securities, Inc. (“Girard Securities”), a registered broker/dealer, member FINRA/SIPC. Advisory services offered through United Capital Financial Advisers, LLC (“United Capital”) a Registered Investment Adviser. Girard Securities and United Capital are separate and unrelated companies.
      Check the background of this investment professional on FINRA’s BrokerCheck.

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        Jenny Robertson

        Jenny Robertson

        Director of Operations

        Jenny Robertson joined the team in 2006. Serving as Director of Operations of United Capital, she is responsible for the overall quality of client data, trading and firm-wide processes. She provides operational oversight for the completion of new business, investment repositioning, and trading activity to ensure that our clients receive an exceptional and seamless service experience through the efficient and accurate recording of client account activities. Jenny's experience in the financial services industry encompasses a variety of roles, including serving clients as an investment advisor for several years and as Director of Operations and Trading.

        Jenny earned her Bachelor of Science degree at the University of Tennessee in Knoxville and has held several industry licenses including Series 7, Series 63 and Life and Health Insurance Licenses. Outside the office, Jenny and her husband, Robbie, enjoy supporting their two fabulous children in their various activities, volunteering at their school, and camping.

          Jeni Linkous

          Jeni Linkous, CPA

          Relationship Manager

          Jeni has been with the team at United Capital in Memphis since 1998. She began her seventeen year career in the financial services industry in 1996 as Portfolio Accounting Officer for Investment Counsel & Trust Company. Over the years, she has gained experience in family office services, client care, operations, corporate accounting, and trading. As Relationship Manager, Jeni enjoys helping her clients develop a plan to reach their financial goals and assisting our Family Office clients on a day to day basis by paying their bills and preparing various financial reports.

          Jeni received a Bachelor of Business Administration from the University of Memphis, with a focus in accounting. She holds the Series 65 license and is also licensed as a CPA through the TN Board of Accountancy. Jeni enjoys volunteering throughout the community as an active member of the Junior League of Memphis. She also serves as Treasurer of the Parent Association at her daughters' school. Jeni and her husband, Jamie, have two little girls.

            Stacey Lau Zwicker

            Stacey Lau Zwicker, CDFA™

            Managing Director

            Stacey brings over 25 years of broad-based experience in the financial services industry. She joins the United Capital family after having practiced at both BNY Mellon and Sanford C. Bernstein. In her practice, Stacey takes a holistic approach to helping individuals and families construct investment portfolios to ensure that their long-term financial goals will be met.

            Previously, Stacey was on the founding management team of two financial services companies, in business development and strategy roles, and as a principal of a brokerage firm serving independent financial advisors. Prior to that, she spent 10 years as an investment banker with Citigroup, where she executed several billion dollars of structured real estate finance deals. Stacey holds the Series 7and 63 brokerage licenses. She is also a Certified Public Accountant and a Certified Divorce Financial Analyst. Stacey earned an MBA from the University of Chicago Booth School of Business.

            Stacey is a member of the Board of Directors of Summer Search San Francisco, Town School for Boys and Kids' Turn. She is also a member of the Institute of Divorce Financial Analysts. Stacey previously served on the Boards of Yerba Buena Center for the Arts, and the Hawaii Chamber of Commerce of Northern California ("HCCNC"). She is the past President of the HCCNC Foundation.

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            Securities offered through Girard Securities, Inc. (“Girard Securities”), a registered broker/dealer, member FINRA/SIPC. Advisory services offered through United Capital Financial Advisers, LLC (“United Capital”) a Registered Investment Adviser. Girard Securities and United Capital are separate and unrelated companies.
            Check the background of this investment professional on FINRA’s BrokerCheck.

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              We are people that care deeply about improving your world and we do the hard work to make it happen.

              Our culture is unlike other firms in our industry.
              We like it that way.

              Kim Gullett

              Kim Gullett

              Relationship Manager

              Kim joined the United Capital team in Memphis in September 2011, and has over ten years experience in the financial services and wealth management industries. As Relationship Manager, she serves as one of our liaisons to our primary account custodian, Charles Schwab & Company and works alongside our Advisers in serving our clients' needs. Previously, Kim has worked for the Wealth Management team at a large regional bank and on an institutional trading desk for an alternative investment fund.

              Kim graduated from the University of Memphis with a Bachelors Degree in Psychology.

              Outside the office, Kim enjoys spending time with her family, friends and her dog, Max. She also enjoys cooking and yoga.

                Ryan Rogalski

                Ryan Rogalski

                Relationship Manager

                Ryan joined the team at United Capital in December 2012, bringing with him over thirteen years of experience in the financial services industry. Ryan spent ten years working for one of the nation’s most admired insurance companies and uses the concepts he learned there to specialize in offensive and defensive financial planning. His goal to help our clients make smart decisions with their money and making them feel secure in their future. Ryan is licensed in Life and Health Insurance and he achieved his Series 6, 7, 9, 10, 63 and 66 FINRA licenses.

                A native Memphian, Ryan graduated from Southern Methodist University with a Bachelor’s Degree in Business Administration with a concentration in finance. Away for the office, Ryan enjoys spending time with his wife, Ivie, and two young children. He supports local charities, such as BRIDGES, and is active in his church. Ryan is an avid Memphis Tiger and Grizzlies fan. He also follows politics and loves music.

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                Securities offered through Girard Securities, Inc. (“Girard Securities”), a registered broker/dealer, member FINRA/SIPC. Advisory services offered through United Capital Financial Advisers, LLC (“United Capital”) a Registered Investment Adviser. Girard Securities and United Capital are separate and unrelated companies.
                Check the background of this investment professional on FINRA’s BrokerCheck.

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                  Darlene McGarrity

                  Darlene McGarrity

                  Administrative Manager

                  Darlene joined the United Capital team in Memphis in April 2008, and has over sixteen years experience in the financial services industry. As Client Services Manager, she serves as one of our liaisons to our primary account custodian, Charles Schwab and Company. She is responsible for overseeing account openings, asset transfers, and the submission of client trades. She formerly served as Sales Administrator with the Memphis branch of Charles Schwab & Company as well as Operations Associate for Waddell and Associates where her focus was serving client service needs.

                  Outside the office, Darlene has served the community as a volunteer for the Memphis Literacy Council and as a charitable planning committee member for the St. Jude Red Carpet Bash. Darlene enjoys spending quality time with her young grandson and loves to sail.