Times may change. Commitments don't.



It's easier to make decisions about your future when you're guided by Financial Advisors whose first priority is to understand you. Their partnership becomes even more important during periods of life transition–particularly retirement. That's because you may be retiring from work, but life after 65 opens up brand new possibilities and new choices. Whether you are considering a unique business venture, going back to school or charitable pursuits, I would like to help you manage those choices by providing you with the financial guidance and resources you'll need to embrace your future with confidence.



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Joseph B. Calao

Joseph B. "Joe" Calao, CIMA®, CRPC, CRPS
First Vice President – Wealth Management
Financial Advisor
Retirement Plan Consultant
Certified Investment Management Analyst (CIMA®)
Chartered Retirement Planning Counselor (CRPC®)

UBS Financial Services
200 W Highway 6
American Plaza - Suite 400
Waco, TX 76712
254-751-5050


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