Does a financial plan cover more than my investments?

Yes. When we build a comprehensive financial plan, we start by listening and learning about you. Our goals-based approach to planning can help you see the connections between all aspects of your financial world, including insurance and liability, banking, lending, trust and estate, and philanthropy.

Will my family be protected and prepared for the future?

We look at all the areas of your family’s life— everything from retirement planning to education funding, supporting aging parents and long-term care planning. We are keenly attuned to helping you protect the financial independence of your entire family, structuring a deliberate and meaningful family legacy and directing capital to reflect your values.

What about estate planning and the impact on my taxes?

If maximizing what you pass on to your heirs is a primary consideration, we offer strategies that are appropriate to your unique situation. Your investing success and rates of return should always be considered on an after-tax basis. By working with your tax professionals, we can help take measures that may minimize the drag of taxes.

Have I saved enough to retire comfortably?

Entering retirement, many people fear the possibility of outliving their savings. Our protective strategies can help ease concerns about how long you will need to draw your funds in retirement and preparing for unexpected expenses.

Will I generate enough income in retirement?

With a full suite of financial planning tools, we’ll help you evaluate your potential retirement cash flow, income sources and your investment choices more clearly. We’ll look at such influences as risk and investment time horizon, evaluate your current asset allocation and work with you to maximize your employer benefits, address retirement income gaps, and optimize social security benefits.

What about the rising costs of health care?

We address the potential significance of rising healthcare costs and the importance of long-term care planning. We objectively analyze all of your current insurance policies such as life, long term care, and disability income insurance to determine whether they meet your current and future needs. Our solutions help to protect your assets so you can maintain your lifestyle.

Can my portfolio withstand market volatility?

We understand how today’s uncertain economy is the cause of a lot of anxiety. We help demystify investments by being straight-forward and clear about how we’re handling your hard-earned money. As portfolio managers or by working with select money managers, we build custom portfolios. Ongoing monitoring and review helps us track your investments and quickly adapt to changes in the markets or in your life.

What does risk mean to me?

Through our comprehensive due diligence and planning process, we gain a deep understanding of your financial picture so we help balance your tolerance for risk with your family’s goals, growth and income needs. This allows us to craft an asset allocation that supports your financial plan and seeks to limit risk and lower volatility.

Will I only have access to UBS financial products?

We look for the right solutions for you, whether that can be found at UBS or elsewhere. This open architecture, along with a disciplined planning process, ensures we develop customized strategies specific to your unique situation that are based on highly focused research. Strategies may include:

• Equities. Beyond UBS’s extensive capabilities, our team performs an added layer of analysis looking at a variety of quantitative and qualitative factors as part of our investment selection process.
• Fixed income. Because bonds are generally less volatile, they may provide capital stability, income, liquidity and diversification to other growth-oriented asset classes such as equities and property.

What can I expect from your team?

We offer high-touch support that anticipates your needs and helps simplify your life. We bring together the boutique services of a dedicated team with the global resources of one of the world’s largest wealth management firms. In addition, our trusted and consistent client service team is always on hand for a host of financial and administrative needs.

How often will I hear from you?

Our entire team is highly accessible, offering consistent communication, personal touch points and ongoing reviews. Responsive and attentive, we provide a flexible communication plan specific to your schedule. Our investment reviews are an excellent planning tool and are available on request or at regular intervals (monthly,quarterly, semiannually, or annually) depending upon your needs.

What about my other legal and tax advisors?

We can work closely with your accountants, attorneys and trusted advisors, as well as our network of financial specialists within and outside UBS. That way, we can incorporate all perspectives into one integrated approach.