1. Leverage diversification to help reduce risk
We believe truly diversified investors—those who invest across a number of different asset classes—can lower their risk, without necessarily sacrificing return.

2. Consider a lower volatility approach
For two investment portfolios with the same average or arithmetic return, the portfolio with less volatility will likely have a greater compound rate of return. We believe that a lower volatility approach can be more effective in meeting your objectives over time.

3. Incorporate global opportunities to help enhance returns
The price movements between international and U.S. asset classes are often dissimilar, so investing in both increases your portfolio’s diversification and helps reduce overall risk.

4. Maintain a disciplined approach in difficult markets
The key to navigating the ever-changing market environment is to stay focused on your goals, both long term and short term.

5. Design an efficient portfolio
Asset allocation and diversification can help stabilize portfolio performance during market swings. It's a "slow and steady" process but keep in mind the story of the "tortoise and the hare."

Our estate planning conversations focus on:

• Asset titling and ownership
• Estate tax liability minimization strategies
• Lifetime gifting strategies
• Asset replacement solutions such as life insurance
• Trust management

Through the UBS Family Advisory team of specialists, we offer the following resources:

Family engagement and participation strategies

• Design and facilitate productive family meetings
• Turn family values into a shared family vision
• Create engaging wealth education sessions for the rising generation
• Promote meaningful intergenerational dialogue about what really matters

Educational programs

• Women’s Symposium, Young Successors Program and Young Successors Alumni Program
• Personalized programs for individual client families
• Financial Education Program
• Publications and research reports on subjects relevant to families of significant wealth

Whether you’d prefer to be directly involved or stay behind the scenes, we can incorporate your charitable giving into your overall wealth plan so it remains both personal and rewarding.

Our recommendations may include:

• Low basis gifting
• Donor-advised funds
• Private foundation
• Charitable trusts

Solutions and strategies for each dimension of your life and wealth

Advanced Planning
The complexity of your wealth demands a critical understanding of how best to integrate a range of solutions into your overall financial plan. Together with our Advanced Planning specialists, we'll also evaluate how changes in the legislative and tax landscape might impact your wealth and develop appropriate strategies for protecting it.

Portfolio Advisory Group
A truly customized portfolio should be informed by insights that align with your goals. The Portfolio Advisory Group provides us with advanced quantitative analysis and proprietary research for a dynamic asset allocation approach and portfolios designed to address your specific needs.

Global research and strategy
With hundreds of investment professionals across UBS you will have access to the extensive research capabilities of UBS, which are dedicated to helping address your objectives. UBS offers informed credit equity, economic and strategy research on companies, sectors, markets and macro economic trends. This research as well as UBS Investment Bank Research helps us develop the appropriate strategic and tactical asset allocations for your portfolio.

Tailored financing solutions
Through UBS, you can gain access to innovative credit solutions, including securities backed lending, pre-IPO lending and mortgages as well as customized financing solutions for private aircraft, art and other passions.

Business community network
We can give you access to key specialists in private equity, M&A advisory services as well as third-party referrals within the industry and our Private Wealth Management community.

Credit and lending services are provided by banking affiliates of UBS Financial Services Inc., and are subject to credit approval.