• Making connections. Our Financial Goal Analysis gives you an overview that helps you more readily see the connections between different areas of your financial life—insurance and liability, saving and borrowing, education funding, estate planning and philanthropy.
• Assessing and planning. Our clients expect us to plan for potential outcomes and challenges in their financial futures. Your plan assists us in doing just that, helping us provide you with the insights you’ll need to make informed decisions.
• Adapting to circumstances. Your financial plan is built to be flexible. If your goals and circumstances change, it can change, as well. It is always at the center of the ongoing conversation we have about your financial life, guiding us as we help you manage your wealth.

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.

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.

Our investing strategy is based on three key drivers:

• Careful decision-making. Our decisions are based on your financial plan, in ongoing discussions with you. Our 30 years of experience with financial marketplaces. And our ability to employ the expansive resources of UBS to meet your unique needs and goals.
• Asset allocation and tax management. We work with you to determine the right asset allocation strategy based on your goals, considering everything from standard allocation principles to illiquid family assets, philanthropic endeavors and taxes.
• Risk tolerance. We create diverse portfolios that take into account your personal risk tolerance, but we are always careful to monitor your portfolio and ready to make appropriate changes, if necessary.

The FGA report is based on various assumptions including financial information, personal preferences and other information provided by the client. The report details the assumptions upon which the plan is based. Important: The projections and other information generated by the FGA regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

Our goal is to help you preserve and grow your wealth, even as you deal with life’s changing circumstances.

• Immediate needs. We help you make sure your cash flow keeps pace with current expenses, and advise on prudent borrowing and tax-advantaged wealth preservation strategies.
• Multigenerational planning. With extended families often encompassing three generations, succession issues can become complex. We’ll coordinate with your legal and tax advisors to explore gift and wealth transfer strategies that will meet the needs of multiple generations within your family.
• Retirement. It’s important to make sure you have the right resources available when you’re ready to make a life transition or retire. We advise our clients on capital preservation to protect their standard of living, as well as strategies to mitigate the impact of inflation and taxes.
• Philanthropy. Through a variety of strategies, including family foundations and donor-advised funds, we can help you make the greatest impact with your charitable giving while potentially providing relief from taxes.

In working with you, we’re guided by our desire to provide you with real value at all times, in all areas of our relationship.

• Clarity and simplicity. Our clients often come to us because their financial lives have become too complex. In all our communications, we provide direct, straightforward and timely information.
• Trust and accountability. We are a part of many of our clients’ lives from their peak earning years through retirement. Count on us to advise you honestly about opportunity and risk, to be transparent about costs and to always place your best interests first.
• The global reach and local touch of UBS. We have access to the vast research and analytical technology of UBS, one of the world’s largest wealth managers, which is invaluable in shaping your portfolio. Being part of the UBS family means accessing its network of local connections—the attorneys, bankers, mortgage experts and tax professionals who can advise you on any financial situation you face.