Your wealth. Your goals.
Advice for the road ahead. Private Wealth Management

As an executive, entrepreneur or investment fund partner, you’ve built your success with hard work and commitment.

You want to know that your wealth will continue to enrich your life. At the Berg & Bates Group, we understand this priority and we have the resources and insight to help.

We are Private Wealth Advisors, members of an exclusive division of UBS AG, one of the world’s largest global wealth managers. Because we offer privileged access to the institutional capabilities and planning resources from across the entire firm, our team of experienced professionals is well-positioned to explore every opportunity to help you pursue your most important goals. In fact, our focus extends well beyond your investment needs to the more complex wealth challenges you may be facing within your family, your business and the legacy you’re building. Our team serves only a select number of relationships, managing our clients’ full financial lives so that they are free to pursue their passions and spend more time with loved ones.

The Berg & Bates Group


phone

415-963-5225



phone

855-327-2160





address

555 California Street
Suite 3200
San Francisco, CA 94104



“We help people address the many facets of their financial lives. We believe successful individuals and families value our ability to handle the financial details, help manage their wealth and feel more confident.”

— Siri Berg

A relationship built around a plan

Perhaps you have reached the next level in your career. Or you envision the sale of the business you’ve built. You may be anticipating a liquidity event imminently or in the next several years. Your money is in motion, and you need an experienced guide to help you grow and preserve it.

As Family Advisors to successful individuals and families, we have unique insights into the joy and challenges that may accompany your wealth. We’ll leverage our experience as Private Wealth Advisors, as well as the global resources of UBS, to create your comprehensive wealth management plan.

Together, we’ll address:

  • Cash flow strategies
  • Concentrated wealth
  • Tax planning
  • Risk management
  • Wealth transfer
  • Philanthropy
  • Lending
  • Investments
  • Insurance

We commit to understanding you, your family, your business and your priorities. Our team will tailor a plan and portfolio to the specifics of your wealth and what you hope to achieve. As your Financial Advisors, we can offer broad access to premier third-party investment providers, complemented by the thought leadership and investment banking capabilities of UBS. We can help you transform your success into a multigenerational legacy.

Liquidity. Longevity. Legacy.

Understanding your life, your wealth and what you want to accomplish is important to how we work together at UBS. We start with questions and a discussion that helps us focus on what’s really important to you.

Then, we 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.

Liquidity—The next 3 years To help maintain your lifestyle

  • Entertainment and travel
  • Taxes
  • Purchasing a home

Longevity—4 years – lifetime To help improve your lifestyle

  • Retirement
  • Healthcare and long-term care expenses
  • Second home

Legacy—Now – beyond your lifetime To help improve the lives of others

  • Giving to family
  • Philanthropy
  • Wealth transfer over generations

Working together, we can help you:

Gain confidence that your money is in an appropriate strategy—when it needs to be there

Better manage investment risk—based on your different goals and timeframes

Take the emotion out of investing—with a clearer understanding of your short-term needs

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.

Sustainable investing

Many affluent families wish to invest in companies that seek to make a positive social and environmental impact. The investment relevance of these nonfinancial factors is increasing rapidly, and we expect this trend to continue.

Sustainable investing is a set of investment strategies that incorporate environmental, social and governance (ESG) considerations into investment decisions. Our team offers advice and solutions to ensure that your investments align with your personal values and priorities.

As one of the world’s leading wealth managers, UBS has the scale to skillfully incorporate sustainability into your portfolio. We collaborate with the most talented and exclusive investment partners in the world. Our access to cutting-edge investments can help your portfolio adapt to changing financial markets and changing values.

ESG/Sustainable Investing Considerations: Sustainable investing strategies aim to consider and in some instances integrate the analysis of environmental, social and governance (ESG) factors into the investment process and portfolio. Strategies across geographies and styles approach ESG analysis and incorporate the findings in a variety of ways. Incorporating ESG factors or Sustainable Investing considerations may inhibit the portfolio manager’s ability to participate in certain investment opportunities that otherwise would be consistent with its investment objective and other principal investment strategies. The returns on a portfolio consisting primarily of ESG or sustainable investments may be lower or higher than a portfolio where such factors are not considered by the portfolio manager. Because sustainability criteria can exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Companies may not necessarily meet high performance standards on all aspects of ESG or sustainable investing issues; there is also no guarantee that any company will meet expectations in connection with corporate responsibility, sustainability, and/or impact performance.

Is your income structured as tax efficiently as it could be?

Our team advises C-suite officers and other top executives whose wealth is concentrated in company shares, options and restricted stock units. We offer strategic planning for the wealth-building years and trusted advice through transitional events such as role changes, company sales and retirement.

When equity awards make up the bulk of your compensation, it is imperative they are properly managed for financial success. Our experience allows us to develop tax-efficient stock option exercise and sales strategies, navigate trading restrictions for insiders, and consider shareholder optics with regard to sale frequency and trade volume.

It is equally important to review your equity compensation in the context of your other liquid and illiquid assets. Through this wider lens, we are able to thoughtfully construct investment portfolios that consider risk levels, tax ramifications and cash flows. We can also utilize enhanced monetization strategies, hedging and yield enhancement to satisfy current and future income needs. We will work alongside your tax advisor and attorneys in order to provide coordinated advice and streamlined communication.

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Executive decisions
Use goals-based wealth management to prepare for life’s stages

Ins and outs of stock options and equity compensation

How are you managing the value of your illiquid assets?

Many private equity partners, venture capitalists, real estate investors and hedge fund managers have significant assets that are structured in complex ways. We seek to help them live the life they want—before, during and after the liquidity event.

As an investment partner, your wealth has a longer life cycle than many business owners and executives. Though you have significant assets on paper, cash flows may be unpredictable. Our illiquid asset analysis and cash flow planning strategies can help you navigate the years until you realize the carry on your investment.

We serve as your conduit to the depth and breadth of UBS. We can connect you with resources and solutions for your partnership, including prime brokerage and securities lending. Sophisticated credit facilities can help you seize opportunities quickly and enhance the efficiency of your investment.

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UBS House View
Chief Investment Office, Global Wealth Management Investment Strategy Guide

UBS Investor Watch
Global insights: What’s on investors’ minds

Do you have a plan to maximize the value of your business?

Your business may be your most meaningful asset, personally and financially. Our team can help you make the most of it for the benefit of your family and your employees. When the time comes, we can advise you about your options for a sale or succession.

As a business owner, it is critical to take control of your personal balance sheet with smart cash flow and liability management strategies. Our team is skilled at managing the interplay between business and personal assets, particularly in the years before a sale. We’ll seek to help you meet the day-to-day demands of running your company while supporting your family’s needs.

Although 41% of entrepreneurs plan to exit their business in the next five years1, nearly half have no formal transition strategy in place. We can connect you with skilled resources to value your business, strengthen your balance sheet and protect sale proceeds. As a Private Wealth Management client, you can work with a dedicated corporate finance team that specializes in complex capital markets transactions, as well as mergers and acquisitions. We will review your strategic options for the future of your business, and can introduce you to experts in pre-sale, post-sale and business succession planning.

1UBS Investor Watch, Who’s the boss?, 1Q 2018.

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An overview on family business transition
Family Advisory Americas

Personal planning for start-up founders

How secure do you feel about the future?

Whether you’re starting out in your career, transitioning to retirement or managing your finances for the first time, we can be a trusted resource. We understand the demands women face in caring for their loved ones, both children and parents. We’ll help ensure you can meet their financial needs while you take care of their emotional ones.

Our comprehensive wealth management planning seeks to help you answer the most important questions you face:

  • Do I have full financial security?
  • How much can I afford to leave to my children?
  • What is the best way to support my aging parents?
  • What are the tax implications of my wealth transfer goals?

Our team has substantial experience in managing the dynamics and challenges of multigenerational families. We’ll help you understand the possibilities of your wealth and weigh all your options. With access to all the resources of UBS, we can empower you to make well-informed decisions and shape the future you envision.

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Own your worth
How women can break the cycle of abdication and take control of their wealth

Gender-Lens Wealth
UBS Chief Investment Office Wealth Management Research whitepaper

Our perspectives

Insights

Creating a lasting and positive impact

Creating a lasting and positive impact

Building an investment plan

Building an investment plan