Guided by experience. Advice for every generation.

No one wants to outlive their money.
But you also don’t want to live with untapped potential.

A wasted resource is one that simply isn’t used. One of the things we pride ourselves on is helping our clients not only take care of their loved ones now and later, but recognize their potential for impact and influence through charitable giving and fueling causes aligned with the causes they’re most passionate about.

Is your portfolio aligned with your goals?

A portfolio without a plan is unlikely to be successful. As Senior Portfolio Managers in UBS's Portfolio Management Program, we know that transactional investing isn't enough to guide you successfully to your goals.

Our team personally constructs your asset allocation strategy within the context of your broader plan. We have access to extensive wealth management research and sophisticated solutions from within UBS and outside the firm. This gives us the flexibility to think and act objectively, with only your best interests in mind.

Our decisions are based on our own rigorous due diligence of markets and companies. Your investments will reflect your time frame and risk profile, with different portfolios for each of life’s major goals. Our approach is consistently disciplined and transparent. We are always seeking better ways to control costs, manage risk and preserve your capital.

_{The Portfolio Management Program (PMP) is a wrap-fee advisory program in which our Financial Advisors manage client accounts on a discretionary basis. PMP is designed for clients who: (i) want to delegate portfolio management discretion to their Financial Advisor; (ii) are looking to implement a medium- to long-term investment plan; and (iii) prefer the consistency of fee-based pricing.}

_{PMP is not appropriate for clients who: (i) want to maintain trading control over their account; (ii) seek a short-term investment; (iii) want to maintain consistently high levels of cash or money market funds or invest primarily in no-load mutual funds; (iv) want to maintain highly concentrated positions that will not be sold regardless of market conditions; or (v) who anticipate significant withdrawals from the account.}

Do you know how to maximize your equity compensation?

Whether you’re employed by a public or private business, you face critical decisions about stock ownership. Many large local employers choose us to advise their teams about equity compensation and other company plans.

We can help you navigate the complexity of your corporate retirement plan, stock option grants, profit-sharing plans and restricted stock units. We understand the risks of concentrated positions, as well as the limitations placed on company insiders. Talk to us about:

• Rule 10b5-1 selling plans
• Restricted stock award management
• Options exercise strategies
• Privately held or public shares that are subject to Rule 144
• Diversification strategies

Our team serves many executives at major corporations, and we are well versed in retirement plans and other equity compensation programs. We can explain the features and develop a strategy for managing your ad hoc distributions, net unrealized appreciation (NUA) and partial rollovers.

How will you prepare your business for its next phase?

A closely held business is vitally important to the owner’s family, both financially and emotionally. We work with business owners to design thoughtful transition plans that position them and the business for continued success.

We understand the emotions that come with owning and growing a successful business, and the concerns that often arise when you contemplate your exit strategy. Our team has deep experience helping business owners find answers to key questions including:

• Should they sell or find a successor?
• What is the business worth?
• How can they enhance its value?
• If they plan to sell, who is the right investment banker?
• How can they make the liquidity event as tax-efficient as possible?

We can create a road map well in advance of your business transition. Through UBS, we’ll connect you with sources of capital for accelerating value, investment banking advisors to drive a competitive market and advanced planning professionals to address estate planning considerations.

Talking about future financial responsibility can be an emotional and challenging topic for both parents and children. Whether you’re discussing an inheritance, insurance, a business transition or wealth transfer, an open, honest discussion among family members makes the process more rewarding for everyone. Let us show you how.