Your wealth. Your retirement. Your future.

When we meet with clients for the first time, they often share their concerns about maintaining enough income during a potentially long retirement. We will work with you to help preserve your lifestyle and livelihood throughout retirement. We will help you understand such influences as risk and investment time horizon, evaluate your current asset allocation and help you maximize your Social Security benefits.

A complete view of your retirement assets
Sometimes our clients don’t see how all their assets fit into a comprehensive retirement plan. For many, a 401(k) plan may be the chief source of retirement income. But there are other assets to consider—pensions, equity compensation plans, IRAs rollovers from previous jobs, Social Security, life insurance, family trusts and a second home. We’ll assist you in compiling a comprehensive list of everything that can help fund your retirement.

A strategy that works for you
Is your 401(k) allotment strategy the right one for you as you near retirement? As a supplement to your employer-sponsored retirement plan, an IRA offers tax advantages that can be a solid benefit to your retirement plan. We’ll help you examine your current investments with an eye toward longevity and tax efficiency.

Once we’ve understood your vision of your future, we create a financial plan that is focused on you and your family’s specific situation and is specifically tailored to your retirement goals.

A goals-based approach
Liquidity. Longevity. Legacy.

Our approach can help you organize your financial life into three key dimensions: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own. Through the plan we create together, we can help you pursue what matters most today, tomorrow and for generations to come.

Helping you get the most out of your compensation plan
We have deep experience helping corporate executives simplify the challenges that come with a complex compensation plan. We advise on pension plans, how buy-outs or severance can add value to 401(k)’s pre-retirement, the potential for in-service 401(k) distributions (which can be taken without penalty and rolled over into an IRA) and other areas that can potentially aid you as you prepare to transition to retirement.

A customized investment strategy
Our investment philosophy focuses on stability and growth, while respecting your tolerance for risk. Our goal is to provide you with a steady income stream that keeps pace with the cost of living. In this we’re aided by our direct access to the global resources of UBS and the timely perspectives and insights provided by UBS Wealth Management researchers and investment analysts.

_{Timeframes may vary. Strategies are subject to individual client goals, objectives and suitability. 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.}

Working closely with our clients on planning this important transition in their lives forges a strong bond that we value. We continue this relationship throughout our clients’ retirement, providing high-quality service and addressing any issues as they arise.

Financial guidance that’s part of your life
We believe that listening carefully to your concerns helps us serve you better. Count on us to help with all aspects of your financial life, whether it’s providing you with detail-oriented financial reporting or advising each generation of your family on financial matters. We’re with you for the long term.

Global resources and local attention
As a client, you have access to the global research and analytical resources of UBS as well as our local network of professionals. We can connect you with attorneys, tax professionals, mortgage specialists and bankers, and insurance (life, health, long-term care and disability) experts. We help put all these perspectives together into one integrated approach.

Communication and reviews that works with your schedule
We will schedule regular reviews, either in person or by phone, to go over your investment strategy, your questions and expectations, and to make sure your plan continuously aligns with your goals. We also host periodic webinars on a variety of retirement-related topics.