Insight for every stage of your business

Meeting in a office

The proof is in our numbers

1.77 Billion

Assets under management

As of 01/01/2024

100+ Self-Insurance Entities

Client relationships

13 person

seasoned team


Insight and experience for Self-Insurance companies and their owners. 

3 Point Legacy Advisors is an experienced team of professionals with an acute focus on the unique needs and challenges of self-insurance companies and business owners. With a combined experience of 181 years, we have provided customized advice to our clients by helping them understand the complexity, challenges and benefits of self-insurance while also managing their assets for income, liquidity and preservation. 

Due to the uneven nature of insurance claims, ensuring each self-insurance entity follows an appropriate asset allocation plan is of the utmost importance. Developing the asset allocation begins with gaining a deep understanding of both the retained risks and the goals of the shareholders. We work closely with the entity owner, Board of Directors and Captive Manager to develop an initial investment plan and then adjust and enhance as the entity evolves over time. Our Team has an experienced understanding of the differing roles and requirements for capital, banking funds, reserves, surplus and/or collateral (including 114 trusts). 

Why clients choose us:

Operational Efficiency

  • Our dedicated support staff has been trained to open and fund accounts in less than 48 hours 
  • We host pre-scheduled investment portfolio reviews on a quarterly basis (or monthly by request) 
  • UBS brings a full suite of banking services to the self-insurance entity, including EFT/ACH, bill pay, check writing and fed wires 
  • Can grant online access to multiple users for up to the minute visibility into each entity's activity

Industry Knowledge 

  • We attend 5-7 industry conferences each year while staying up-to-date with regulators and thought leaders throughout the industry 
  • We have been in the self-insurance business for over 20 years and manage the assets for more than 100 Self-Insurance Entities, including Single Parents Captives, RRGs and Warranty Corporations 

Customized Portfolio Construction 

  • Investment approach prioritizes cash for claims and expenses, deploying remaining capital into the equity and fixed income markets systematically to take advantage of market opportunities 
  • Portfolios are designed and deployed by a global team of dedicated investment experts who document their views monthly in the UBS "HouseView" report

Banking and lending services are provided by UBS Bank USA, a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS no. 947868.

Cincy

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.

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    Michael E. Hyzdu, CFP, CEPA

    Financial Advisor

    Senior Vice President–Wealth Management

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    Mike joined UBS in 2002 after beginning his career in the technology sector where he started a branch of a Fortune 500 company that grew to be #2 of 24 in the nation. He then moved to Arthur Andersen where he ran the e-business consulting practice in Columbus, Ohio.

    Mike is a Certified Exit Planning Advisor (CEPA) where he helps other entrepreneurs as they create, grow and eventually transition their businesses.

    As a Certified Financial Planner (CFP®) Mike works directly with business owner families to implement multi-generational plans with customized investment, borrowing and risk management strategies.

    Mike is a part of the 3 Point Legacy Advisors group where he currently manages portfolios for over 100 Captive Insurance Companies. The goal for these portfolios is to achieve growth while maintaining stability and liquidity to pay claims and expenses. The group considers liquidity needs, domicile requirements, Captive Manager preferences and growth objectives in the portfolio construction.

    Mike is an industry recognized leader and was awarded Forbes/SHOOK Best-in-State Wealth Advisors, 2021. UBS was awarded “Bank of the Year” and Mike was personally named, “Banker of the Year” in the Captive Insurance industry by “Captive International” in 2021.

    Current and former community work includes; Junior Achievement Board Chair, Moeller High School Alumni Board, Church Youth Group Leader, HOBY Leadership Program Director, Miami University Football Alumni Board, Dublin Youth Football League Board Secretary and the Ohio Captive Insurance Association.

    His personal interests include working out, racquetball, yoga, and participating in a weekly bible study with six of his closest friends. Mike is also the Chapel Leader for the Columbus Clippers (Cleveland Guardians AAA) baseball team.

    Mike and his wife Nicole have been married for roughly 30 years, have two adult children (Nathan and Madison), and reside in Dublin, Ohio.

    • Forbes Best-in-State Wealth Advisors, 2021, 2022, 2023, 2024The 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, 2023, 2024The 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.

      • Senior Vice President–Wealth Management
      8044 Montgomery Road
      Suite 100W
      Cincinnati, OH 45236
      michael.hyzdu@ubs.com,ashley.boone@ubs.com
      Michael E. Hyzdu, CFP, CEPA
      8044 Montgomery Road,Cincinnati,OH,45236
    • T. Tyler Holocher Profile Photo

      Tyler Holocher, CFP, CEPA, CPWA

      Financial Advisor

      Vice President–Wealth Management

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      • Forbes Best-in-State Wealth Management Teams, 2023, 2024The 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.
      • Forbes Top Next-Gen (Generation) Wealth Advisors Best-in-State, 2023The Forbes rating is compiled by Shook Research and awarded annually between June and September based on information from a 12 month period ending in March of the award year.

        • Vice President–Wealth Management
        • Certified Private Wealth Advisor®
        8044 Montgomery Road
        Suite 100W
        Cincinnati, OH 45236
        tyler.holocher@ubs.com
        Tyler Holocher, CFP, CEPA, CPWA
        8044 Montgomery Road,Cincinnati,OH,45236
      • Scott Hiles Headshot

        Scott H. Hiles, CFP, CPWA, CEPA

        First Vice President–Wealth Management

        Financial Advisor

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        • Forbes Best-in-State Wealth Management Teams, 2023, 2024The 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.

            8044 Montgomery Road
            Suite 100W
            Cincinnati, OH 45236
            scott.hiles@ubs.com
            Scott H. Hiles, CFP, CPWA, CEPA
            8044 Montgomery Road,Cincinnati,OH,45236
          • Tom Hampton Headshot

            Thomas A. Hampton, CFP

            Financial Advisor

            Senior Vice President–Wealth Management

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            Tom, the senior advisor with 3 Point Legacy Advisors has had a long career, 40+ years, in the financial services industry.  Starting at Gradison & Co. in 1981, McDonald & Co and KeyBank in the 1990’s and UBS in 2007.  While continuing to work with clients he’s held additional roles.  Branch Manager, 1998 – 2008, UBS Complex Sales Manager 2008 – 2011.  During that time, his driving goal when working with clients, is to always stay focused on their respective financial goals and objectives, while providing the highest level of personalized service. Working primarily with retirees and individual clients, he centers his business on the development and implementation of retirement, estate planning and wealth transfer strategies. 

            Tom believes the first place to start when working with an financial advisor is with a plan. The UBS Financial Goal Analysis tool is the firm's flagship goals-based financial planning offering and can help you chart a course toward the future you envision. “To get to where you want to go, you need to have a plan”.

            Tom is a registered with Certified Financial Planner Board of Standards, Inc. and holds the certification marks CFP®, Certified Financial Planner® and federally registered CFP® in the US, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

            Tom seeks to pass on his professional experience to others, and has in the past been involved with Xavier University, Professional Mentor Program. This program offers an innovative approach to mentoring by providing students with a practical application of networking skills, personal and professional growth, insight into the realities of their chosen career field and a “best professional friend.”

            Tom and his wife Betsy, live in Pierce Township. They have 3 grown children and 1 grandchild.  Avid boaters and golfers, they love to spend time at their place on Lake Toxaway in western North Carolina.

             

            CA Insurance License #4018221

            • Forbes Best-in-State Wealth Management Teams, 2023, 2024The 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.

              • Senior Vice President–Wealth Management
              8044 Montgomery Road
              The Towers At Kenwood
              Cincinnati, OH 45236
              thomas.hampton@ubs.com
              Thomas A. Hampton, CFP
              8044 Montgomery Road,Cincinnati,OH,45236
            • Michael McCluskey III Profile Photo

              Michael McCluskey III, CFP, CEPA

              Authorized Officer

              Senior Wealth Strategy Associate

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              Mike started his career at UBS in 2008 after graduating with a degree in Finance and Management from the University of Kentucky. In his time with UBS Mike has achieved the Certified Financial Planner™ (CFP®) and the Certified Exit Planning Advisor (CEPA®) designations, and graduated with an MBA from Xavier University. After passing Level I, he is currently working on Level II of the Chartered Financial Analyst (CFA) curriculum.

              Mike volunteers his time as a Board Member of CASA for Kids Northern Kentucky.
              Mike and his wife, Maggie, live in Fort Thomas, Kentucky and have two kids, Michael IV (Mac) and Everette (Evie).

                    8044 Montgomery Road
                    Suite 100W
                    Cincinnati, OH 45236
                    michael.mccluskey@ubs.com
                    Michael McCluskey III, CFP, CEPA
                    8044 Montgomery Road,Cincinnati,OH,45236
                  • Michael Rolfes Headshot

                    Michael S. Rolfes CFP, CPWA, CEPA

                    Senior Wealth Strategy Associate

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                    Michael joined UBS in mid-2022 after spending 5 years with Fifth Third’s Private Bank where he led a team in advising their High Net Worth and Ultra-High Net Worth families on issues around portfolio management, income tax, and estate tax planning. He also led initiatives around educating and engaging the next generations within their client families.

                    Prior to his time at Fifth Third, Michael worked for The AYCO Company LP, a wholly owned subsidiary of Goldman Sachs, in NY. While at AYCO he provided executive wealth counselling on topics covering personal income taxation, portfolio construction, and complex wealth transition strategies to current, and retired C-suite executives of Fortune 500 companies.


                    Michael graduated from Franciscan University, in Stuebenville Ohio with a Bachelor's degree in Finance. In 2012 he earned his designation as a Certified Financial Planner (CFP®), and in 2020 his designation as a Certified Private Wealth Advisor (CPWA®). He also maintains his FINRA Series 7 and 66 licensing, as well as certifications in Life, Accident, and Health Insurance.

                    Michael currently lives in Northern Kentucky with his wife Kristina, and three children, Olivia, Cecilia, and Damian. He enjoys serving the community via home renovation groups for families in need, as well as working with mentally handicapped children. He is a graduate of the 2020 class of Cincy Next, the Cincinnati USA Regional Chambers Leadership Program. In his free time, he loves all things sports related, and spending time in the great outdoors with my family.

                          8044 Montgomery Road
                          Cincinnati, OH 45236
                          michael.rolfes@ubs.com
                          Michael S. Rolfes CFP, CPWA, CEPA
                          8044 Montgomery Road,Cincinnati,OH,45236
                        • Ashley Boone Profile Photo

                          Ashley Boone

                          Client Associate

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                            Ashley joined UBS in July of 2017. Prior to joining 3 Point Legacy Advisors, Ashley was Branch Manager and Retail Officer of a local bank for 7 years and has 10 years of experience in the financial industry. She helps manage client service, operational needs and provides administrative support primarily for our Captive Insurance Business.

                            Outside of work, Ashley enjoys RV traveling, boating, fitness, sports and the outdoors. She also enjoys volunteering with the Juvenile Diabetes Research Foundation.
                            Ashley lives in Union, Kentucky with her husband Chris, and their daughter Whitney.

                                  8044 Montgomery Road
                                  Suite 100W
                                  Cincinnati, OH 45236
                                  ashley.boone@ubs.com
                                  Ashley Boone
                                  8044 Montgomery Road,Cincinnati,OH,45236
                                • Megan Watts Profile Photo

                                  Megan Watts

                                  Client Associate

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                                  Megan began her career at UBS Financial Services in June of 2014 after graduating from Miami University where she earned her Bachelor's degree in Finance.  Megan provides our clients with operational and administrative support on a day-to-day basis. She holds her Series 7 and Series 66 licenses.

                                  Outside of work, Megan enjoys playing volleyball, being outdoors and spending time with friends and family.  Megan and her husband Josh live in West Chester, Ohio with their son Weston.

                                        8044 Montgomery Road
                                        Suite 100W
                                        Cincinnati, OH 45236
                                        megan.watts@ubs.com
                                        Megan Watts
                                        8044 Montgomery Road,Cincinnati,OH,45236
                                      • Kim McFarland Headshot

                                        Kimberly A. McFarland

                                        Senior Client Associate

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                                        Kim began her career in the financial industry in 1998 when she joined Gradison-McDonald Investments. Kim supports our clients by servicing their administrative and operational needs. She also provides administrative support to our team in their daily business practices. Kim holds Series 7 and 66 securities licenses along with life, health and annuity licenses. Kim and her husband enjoy spending time with grandchildren and vacationing in Canada.

                                              8044 Montgomery Road
                                              Suite 100W
                                              Cincinnati, OH 45236
                                              kimberly.mcfarland@ubs.com
                                              Kimberly A. McFarland
                                              8044 Montgomery Road,Cincinnati,OH,45236
                                            • Amy Turner Headshot

                                              Amy M. Turner, CRPS

                                              Senior Client Associate

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                                              Born and raised on the west side of Cincinnati, Amy began her career at Fifth Third Bank in 1999 as Plan Service Coordinator in Retirement Plan Services where she managed a recordkeeping team and worked on Trust and 401(k) conversions from bank acquisitions. She graduated from the College of Mount St. Joseph with a B.S.B.A in Management. Since joining UBS in 2005 she has obtained her 7, 66, Insurance license, CRPS®, and is a Notary. Amy has worked closely with private and corporate clients in servicing their accounts administratively. She is the team lead for operations and qualified plans. Amy lives in West Chester with her husband Chris and twin boys Greyson and Cole. She enjoys spending time with her family, going to concerts, and is a big Cincinnati sports fan – Go Bengals & Bearcats!

                                                    8044 Montgomery Road
                                                    Suite 100W
                                                    Cincinnati, OH 45236
                                                    amy.m.turner@ubs.com
                                                    Amy M. Turner, CRPS
                                                    8044 Montgomery Road,Cincinnati,OH,45236
                                                  • Cameron Collins Photo

                                                    Cameron J. Collins

                                                    Client Associate

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                                                          8044 Montgomery Road
                                                          The Towers At Kenwood
                                                          Cincinnati, OH 45236
                                                          cameron.collins@ubs.com
                                                          Cameron J. Collins
                                                          8044 Montgomery Road,Cincinnati,OH,45236
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                                                          Lauren Utz

                                                          Client Associate

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                                                                  8044 Montgomery Road
                                                                  The Towers At Kenwood
                                                                  Cincinnati, OH 45236
                                                                  lauren.utz@ubs.com
                                                                  Lauren Utz
                                                                  8044 Montgomery Road,Cincinnati,OH,45236

                                                                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.

                                                                Advice for business owners

                                                                Advice for business owners

                                                                Business transition and succession planning

                                                                Business transition and succession planning

                                                                A team approach

                                                                A team approach

                                                                Managing wealth is our craft

                                                                We’re committed to understanding what wealth means for you.

                                                                At UBS, excellence comes from nurturing the best of our heritage, mastering the details and delivering the expertise you need to turn your financial vision into a reality. The result? Financial advice that is finely crafted for what matters most to you.

                                                                Insights