Delivering insightful advice

A road map for your financial priorities

Our consultative approach is comprehensive: we gather insights about your unique personal and financial situation so that we can build an individually tailored financial plan for you. Whatever stage of life you are in or financial challenges you face, we provide the thoughtful guidance to help direct your decision-making process.

Constructing your financial plan. We spend the time to really get to know you, your loved ones and your goals. We look at all aspects of your financial life, integrating your assets and liabilities, savings, and portfolios into a comprehensive and cohesive plan.

Preserving multigenerational wealth. Attuned to preserving the financial independence of your entire family, we can help structure a deliberate and meaningful estate planning strategy focused on your goals, values and the needs of each generation.

Tailored lending solutions. We will help you borrow wisely, the way you want, whatever the need, from financing a large purchase to buying a home to structuring credit for a business venture.

Insurance review. We view insurance as a tool to help protect your family’s assets, replace income, and create a legacy for philanthropic causes most important to you.

Philanthropic advice. We’ll work with you and each generation of your family to provide education on philanthropy. Our advice addresses tax-efficient investment strategies, your current charitable goals and contributions, and family governance guidance.

Women and wealth. A number of our clients are successful women who trust us to deal with their most sensitive financial issues. We help them navigate the financial and legal hurdles they may face professionally when starting a business or new career, or personally during a separation, divorce or loss of a loved one.

The power of planning

David Andreadis is a Private Wealth Advisor and Karen Ben-Shlaush is a Certified Financial Planner™ professional. Each has met stringent requirements to obtain these certifications, and together they provide a depth of planning acumen that can help enrich our clients’ personal and professional lives.

“Families count on our comprehensive planning approach to feel confident about their financial future.”

— Karen Ben-Shlaush

“Our planning process is designed to address your entire financial picture, offering solutions for both the simple and complex issues you’re facing.”

— Danielle Suzanne Tersaga

If you’re like most entrepreneurs, a substantial portion of your family wealth is invested in your business. This comes with its own unique challenges. Through financial planning and risk management strategies, we can help you address these challenges at each stage of your business maturity. When you are ready to transition, we will help you do so with confidence on your own terms and schedule.

Growth strategies

• Expanding. We will help you understand opportunities to grow and expand your business by looking at your entire financial picture. This includes tax planning strategies, retirement plans, cash management, private capital sourcing, investments and custom lending solutions such as securities-backed lending, mortgages and tailored financing.
• Later stages. To get your business market-ready, you will need to take action several years in advance of an exit to de-risk the business and drive enterprise value. We can introduce you to an experienced investment banking partner who will help you prepare your business for sale and help maximize its value through a competitive bidding process.

Monetize your business

• Assessing your readiness. When your business is perceived as a solid opportunity, it may create a competitive buyer environment, increase value, improve negotiation and help minimize time to close. Understanding the current value of your business, its attractiveness to a potential buyer and your own readiness to exit are essential steps in the transition process.
• Tax strategies. Understanding the tax consequences of an exit and the potential impact on your financial plan is an integral piece of the exit planning process. In coordination with your CPA and estate attorney, we can help you develop tax- efficient strategies for exiting your business.

Selling or transitioning your business

• Our process incorporates detailed cash flow modeling to clearly illustrate and compare the economic benefits and tax-efficiency of various internal and external exit options. Whether considering a sale to a strategic or financial buyer, utilizing a dividend recap, or transitioning your business internally through a management buyout, sale to an ESOP, or an inter-family transfer, we will coordinate with other professional advisors to assist you in executing your chosen business transition plan.

Plan for life post-exit

• Ready for what’s next. We can help you develop a post-sale transition plan to ensure you are personally and financially ready for the next chapter in your life. We will help you transition from receiving a K-1 distribution or salary to living comfortably off your investment income. We’ll work with you in a one-on-one relationship to design and execute customized investment strategies based on your plan.
• Legacy and estate planning strategies. We have the experience and the network to help with protecting your assets, reducing estate tax exposure, and transitioning wealth to future generations.

Certified Exit Planning Advisor (CEPA)

David Andreadis and Karen Ben-Shlaush have earned the CEPA designation, certifying them as qualified professional advisors in the field of exit planning. Working with business owners, they incorporate exit strategy insights and tools into their approach, aligning their clients’ business, personal and financial goals into one cohesive roadmap for a successful exit.

“We’ll help you make confident business transition decisions by coordinating our extensive UBS resources and network of professionals.”

— David Andreadis

Careful stewards of your wealth

The foundation of our investment strategies comes from the insights of both internal and external sources, combined in an integrated and systematic process. Asset allocation and risk management is tailored to your unique situation. The result is a complete understanding of your priorities that helps us provide tangible results.

Portfolio construction. Our team is grounded in the best practices of prudent asset allocation and risk management. We build custom investment strategies based on a disciplined due-diligence process for identifying the most efficient and risk-conscious ways to construct your portfolio to conform to your investment objectives.

• Targeted returns. We look at your assets and liabilities, family dynamics and cash flow needs to help determine a rate of return that aligns with your goals.
• Cash flow. We allocate stable, liquid assets to a portion of your portfolio to help mitigate inevitable market drawdowns.

Portfolio management.  In addition to offering a full suite of traditional investments, our open architecture platform provides clients with exclusive access to top money managers and alternative investments. With analysts in 50 different countries, our research presents a truly global perspective.

Portfolio Management Program

David Andreadis is a Managing Director – Wealth Management with an B.S. in Finance from the University of Maryland School of Business. David is a UBS Portfolio Management Program (PMP) advisor, qualified to offer discretionary day to day management of assets, customized for your unique objectives. David is a Chartered Portfolio Manager, as well as a Certified Private Wealth Advisor and Certified Investment Management Analyst.

Sustainable investing. Investing sustainably is a powerful and effective way to drive positive change in society without having to compromise your financial return. Each asset class has sustainable options that achieve risk and return outcomes as well as or better than conventional investments.

“Our investment management process is built on a clear understanding of your financial goals, the experience to offer sophisticated yet practical solutions and the wisdom to help you make the right decisions.”

— David Andreadis

_{ESG Investing Risk—Environmental, Social and Governance factors may inhibit a portfolio manager’s ability to participate in certain investment opportunities that otherwise would be consistent with its investment objective and other principal investment strategies. Underlying companies in a particular fund may not necessarily meet exemplary standards in all aspects of ESG performance; nor is any company perfect when it comes to corporate responsibility or sustainability.}

_{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.}

_{Financial Advisors who participate in the PMP Program may also provide services to you and to other clients outside of the Program in their capacity as broker-dealer representatives and as such, may dedicate time to activities other than discretionary portfolio management. Financial Advisors who participate in the PMP Program have an incentive to recommend their services in PMP over those of third party SMA Managers in other Advisory Programs or over traditional commission based brokerage services. Financial Advisors who participate in the PMP Program have an incentive to recommend their services in PMP over those of third party SMA Managers in other Advisory Programs or over traditional commission based brokerage services. Financial Advisors in the PMP Program and the strategies they manage in the Program are not subject to due diligence and research standards which are applicable to third party investment managers approved for our separately managed accounts. In addition, the standards applied to the performance review of third party managers varies significantly from the review of performance applicable to Financial Advisors in the Portfolio Management Program. Those differences can result in situations in which a SMA Manager is placed on hold or terminated from participating in our Programs, while Financial Advisors in the PMP Program remain available for investment. The different standards of review create a conflict of interest in our recommendation of the strategies managed by our Financial Advisors.}

_{Trade Allocation Practices and Conflicts of Interest: Financial Advisors do not aggregate orders across the different strategies they manage. In an effort to reduce market impact and to obtain best execution, your Financial Advisor may purchase or sell securities in bulk (or orders may be “batched”) on the same day for some or all PMP accounts in the same strategy managed by the same Financial Advisor. In such cases, all orders in a batch will receive “average pricing” and the price of securities shown on client confirmations will be the average execution price on either all of the purchases or all of the sales (as applicable) aggregated for this purpose. In addition, when executing orders, we may batch orders for your Account with orders entered for other PMP accounts in the same strategy, including those of the Financial Advisor assigned to your Account and related PMP accounts under your Financial Advisor’s control. Financial Advisors are permitted to trade in the same securities they purchase for client accounts as long as they trade their personal and related accounts in the same batch as client accounts.}

_{Financial Advisors have broad discretion to trade their PMP Advisory Accounts and there can be no assurance that a Financial Advisor can purchase or sell the same securities for all such Accounts at the same time, or that the Financial Advisor will aggregate your orders with those of other clients and charge an average price per share or unit and, when applicable, a pro-rata share of any fees. As a result, you may receive different prices and executions for the same securities as compared to other clients investing in the same PMP strategy. In addition, although we monitor performance dispersion and other characteristics of Accounts participating in PMP, investment opportunities will not necessarily be allocated among participating Accounts proportional to their overall amount invested. Below are some of the general risk considerations associated with the investments included in the PMP investment strategies described in this Brochure. The descriptions are not meant to be a complete list of all investment risks. For more complete information regarding fees, expenses, risks and restrictions associated with these investments please review the offering documents and marketing materials. Investors should consult their tax advisor about their specific tax situation before investing in any securities. In addition, clients should familiarize themselves with the particular market risks and the other risks associated with the specific investment.}

_{If you would like more information about the Program or have questions about your account, please ask your Financial Advisor or refer to the firm’s Form ADV Disclosure Brochure. UBS Financial Services Inc. does not provide tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances.}

_{Fixed income involves two main risks related to interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments. Furthermore, high yield bonds are considered to be speculative with respect to the payment of interest and the return of principal and involve greater risks than higher grade issues.}

_{Options Options involve risk and are not suitable for everyone. Prior to buying or selling an option investors must read a copy of the Characteristics & Risks of Standardized Options, also known as the options disclosure document (ODD). It explains the characteristics and risks of exchange traded options. The options risk disclosure document can be accessed at the following web address: www.optionsclearing.com/about/publications/character-risks.}

_{There are two sources of UBS research. Reports from the first source, UBS Chief Investment Office, Global Wealth Management (CIO-GWM) are designed for individual investors and are produced by UBS Global Wealth Management (which includes UBS Financial Services Inc. and UBS International Inc.). The second research source is UBS Investment Research, and its reports are produced by UBS Investment Bank, whose primary business focus is institutional investors. The two sources operate independently and may therefore have different recommendations. The various research content provided does not take into account the unique investment objectives, financial situation or particular needs of any specific individual investor. If you have any questions please consult your Financial Advisor.}

_{Diversification does not assure a profit or guarantee against loss in declining markets. Asset Allocation does not guarantee a profit or protect against loss in a declining financial market. Past performance does not guarantee future results and current performance may be lower or higher than past performance data presented.}

_{The information and data presented is believed to be reliable; however, their accuracy and completeness is not guaranteed by UBS Financial Services Inc. UBS does not assume any duty to update this information going forward.}

_{For index definitions, please visit our web site at ubs.com/indexdefinitions.}

Personalized service is the key to a successful relationship

Through individualized attention, we aim to develop the kind of trust and confidence that is invaluable to every aspect of your financial life. Our team is accountable to you and works diligently on your behalf.

We work for you. Our team always puts your needs first. Our service goes above and beyond the expected, offering a highly personalized experience that is responsive and flexible to your needs.

A network of resources. By working closely with your tax professionals, attorneys and other trusted advisors, as well as our network of financial specialists within and outside UBS, we can incorporate all perspectives into one comprehensive approach.

Attention on your terms. We schedule regular meetings on a monthly, quarterly, or semi-annual basis, based on your preferences and what works best for you. This frequent and planned communication keeps us on track to meeting your goals and objectives.

Personal client service. Clients rely on our proactive and compassionate client service team for a host of critical financial and administrative needs, from the My Total Picture view of your entire wealth to account opening and maintenance support. Our long-lasting relationships are a testament to the quality of service we provide for each client’s unique situation.

“We constantly strive to exceed our clients’ expectations. You can count on us for prompt attention, regular communication, and an exceptional level of service.”

— Susan Harrison

_{The My Total Picture service enables UBS to retrieve information about your non-UBS accounts (“Outside Accounts”) at your direction from the other financial institutions’ websites. The service is provided for your convenience and information only. Unless we agree in writing otherwise, UBS does not provide advice or recommendations with respect to your Outside Accounts and is not responsible for activity or transactions you conduct in your Outside Accounts. UBS does not verify the holdings, valuations or other information we receive about your Outside Accounts. UBS Financial Services Inc.’s SIPC coverage and supplemental SIPC insurance only apply to eligible assets held by UBS Financial Services Inc.}