Focused on your goals. Committed to your future.

Having been with many of our clients for years, even decades, we’ve found that family is at the core of what they value above all else. Often self-made, our clients want certainty that after a lifetime of work, their families will be OK when they are gone. Because we understand the dynamics of family decision making and these wealth transfer and legacy concerns, we can help you build a comprehensive road map for moving forward—with clarity.

As a multigenerational team with experience that spans several decades, each of us has worked successfully with members of our clients’ families—grandparents, parents and children. In fact, we’ve intentionally structured our team across generations to further our reach.

To us, the true measure of success is the positive impact it can make in the lives of those you care about most. We’ll dive into your deeper concerns about the future. Our goal is to shoulder some of the responsibility of helping protect and preserve your wealth and legacy. That includes providing education and information to help prepare your children for the responsibilities that come with inherited wealth in the years to come.

Whatever your financial priorities or the concerns that keep you up at night, we’re here to listen, understand and recommend a planning solution that can get you to the place you need to be. We start by creating a framework around three key financial objectives, what we call the “3Ls”: Liquidity, Longevity and Legacy.

We believe our 3Ls approach helps you invest with a sense of purpose, can improve your results, and most important, offer more financial and emotional security.

Liquidity
This strategy is designed to provide a steady income stream for the next three years, continuously and over time—usually for general living, entertainment, taxes or purchasing a home. When you’re working, your employment income typically meets these day-to-day spending needs. If you’re retired, your Liquidity strategy may include your Social Security, pension, bond income and cash.

Longevity
This strategy includes all of the assets you and your family will need four years from now and throughout your lifetime. It accounts for all of your retirement needs, your future earnings potential, healthcare and long-term care expenses.

Legacy
Assets in the Legacy strategy are designed to meet all the needs beyond your own, including giving to family and philanthropic organizations—either now or in the future. This strategy serves as a guide for estate planning and a portfolio that is typically invested fairly aggressively since you have a much longer time horizon.

When it comes to achieving your goals, our strategic approach can help you pursue what matters most—for today, tomorrow and for generations to come. Through deeper conversations, including five simple questions, we clarify what you’d like to accomplish and map out solutions for every phase of your life.

_{UBS Wealth Way is an approach incorporating Liquidity. Longevity. Legacy. strategies, that UBS Financial Services Inc. and our Financial Advisors can use to assist clients in exploring and pursuing their wealth management needs and goals over different time frames. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved. All investments involve the risk of loss, including the risk of loss of the entire investment.}