Understanding your entire financial world

How will you integrate all aspects of my financial life into one plan?

In today’s world, you need to understand how all the pieces of your complex life can affect your pursuit of important financial goals. Our integrated services provide you with a clear and consistent approach to managing your wealth.

Our planning process begins with a series of meaningful conversations focused on understanding you, your values and your goals. This results in the construction of a comprehensive plan that serves as a road map for reaching your objectives. Most importantly, we regularly review and revise your plan to keep you on track over the long-term.

Our integrated planning approach includes:

Retirement and lifetime income planning

With a specialty in retirement income planning, our team can work with you to protect your lifestyle and livelihood in retirement.

Trust and estate planning strategies

We have the experience and the network to address the complexities of your estate and legacy planning needs.

Insurance consulting and review

Our team views insurance as a tool to protect your family’s assets, replace income, and create a legacy for future generations and philanthropic beneficiaries.

Liability management

We’ll work with you to find solution to both sides of your balance sheet so you can get credit you can count on, whether you need securities backed lending, a mortgage or a competitive credit card.

Multigenerational strategies for your family’s wealth

We understand the connections between wealth and family, and we’re positioned to address your family’s needs, ranging from growth strategies, to wealth transfer and preservation to philanthropic pursuits.

_{Neither UBS Financial Services Inc. nor any of its employees provide tax or legal advice. You should consult with your personal tax or legal advisor regarding your personal circumstances.}

How will you help make sure my wealth is protected?

We provide access to an open platform of premium financial solutions both within and outside of UBS. This open architecture, along with a disciplined process, ensures we develop customized strategies based on highly-focused analysis.

Working with your personalized financial plan, we implement a comprehensive investment strategy to help protect and grow your assets. We integrate our discretionary portfolios together with offerings from the extensive UBS platform to create your personalized asset allocation. In this process we balance risk tolerance, time horizon, and short and long term goals of both individuals and families into an appropriate investment allocation that helps seize opportunities and mitigate risk.

Portfolio Management Program

Many of our clients opt to delegate the day to day management of their assets. By integrating our proprietary portfolios, we tailor our strategy to each client’s specific objectives while paying careful attention to the current financial market environment.

Balanced asset allocation

With thorough due diligence and our planning process, we’ll help make sure you arrive at a balanced asset allocation that supports your short and long term plan. This gives us the ability to help manage volatility while maintaining an opportunistic approach towards investments and changes in all markets.

Yield Enhancement Strategy

Through the sale and purchase of S&P 500 index options, this actively managed strategy uses an existing bond, stock or concentrated stock position as collateral to help generate incremental yield. The strategy is specifically designed to generate returns from market fluctuations and thus helps mitigate up- or downside exposure.

_{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, 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.}

What is your wealth planning approach?

No matter what phase of life you are in or the complexity of your financial needs, we offer a disciplined process designed to work with you right now.

1. Plan-Our process begins with planning

Our initial conversations will help us understand the most defining insights about you—from the values that inspire you to your most important priorities and concerns. We review your personal finances and portfolios so we can assess where you stand today and where you have room for improvement.

2. Implement- Putting your strategy in place

Once our plan is in place, we implement a balanced investment strategy consistent with your needs and objectives. We access the vast resources on the UBS platform, including our team’s investment portfolios, alternative investments, outside investment management, liability management, estate planning strategies, insurance and business planning.\

3. Review-Communicating, reporting and optimizing

As part of our ongoing process we make a point to meet every three to five months. We’ll review your asset allocation and adjust if necessary to insure that it is still consistent with your current objectives. We’ll review performance and go through your financial plan to confirm you are on track. We’ll recommend adjustments based on current or upcoming changes in your life or in the markets.

How will we work together?

Connecting you to the deep resources of the firm and our extensive network, our team is strongly positioned to meet the wide range of your sophisticated needs.

By offering high-touch service, our goal is to simplify your financial life with a clear and consistent approach to managing your wealth. We bring together the boutique services of a dedicated team with the global resources of one of the world’s largest wealth management firm.

Customized client service

Clients rely on our client service for a host of financial and administrative needs. Our entire team is highly accessible, offering consistent communication, personal touch points and ongoing reviews. Responsive and attentive, we have built longlasting relationship by offering robust service that anticipates your needs.

Bringing together the best resources

We are trusted by our clients to work directly with their accountants and estate attorneys, whether we’re helping with tax planning or advising them on the most prudent strategies for building a legacy. By working closely with your other advisors, as well as our network of financial experts, we can incorporate all perspectives into one integrated approach.

The perspective of a global powerhouse

Private, corporate and institutional clients throughout the world count on the wealth management expertise of UBS. With a heritage spanning more than 150 years, we are committed to offering trusted financial advice that is specific to your goals. Beyond the deep resources of our investment, banking and asset management businesses, we deliver the global perspective, diverse strategies and relevant guidance to help you move forward with confidence.

_{Neither UBS Financial Services Inc. nor any of its employees provide tax or legal advice. You should consult with your personal tax or legal advisor regarding your personal circumstances.}