UBS - Looking Beyond Your Portfolio

Once your Financial Advisor understands who you are and what you’re looking to achieve, he or she can then integrate this information along with an assessment of your entire personal balance sheet, your comfort with risk, your goals and objectives into a personalized financial plan. We believe solid planning takes a diverse understanding of all the moving parts of your financial life. It takes a team approach.

That’s why we have an entire ensemble of dedicated professionals, from experienced financial planning specialists, trust and estate professionals to experts in retirement, insurance and investments working side-by-side with your Financial Advisor to make sense out of all the moving parts of your finances and contribute to the whole. In addition to our team, we also look to work with your team of personal advisors — those significant individuals who do or will impact your financial world.

As a firm providing wealth management services to clients in the U.S., we offer both investment advisory programs and brokerage accounts. Advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate contracts.

We make financial planning services available to you in our capacity as an investment adviser. The financial planning engagement terminates when the plan is delivered to you. It is important to note that the financial planning engagement does not alter or modify in any way the nature of your UBS accounts, your rights and our obligations relating to these accounts or the terms and conditions of any UBS account agreement in effect during or after the financial planning service.

Should you decide to implement any aspect of your financial plan with us, we will act as either a broker-dealer or an investment adviser, depending on the investment product or service that you select. For more information on the distinctions between our brokerage and investment advisory services, please speak with your Financial Advisor or visit our website at www.ubs.com/workingwithus.com.

Wealth Management services in the United States are provided by UBS Financial Services, Inc., a registered broker/dealer offering securities, trading, brokerage and related products and services.

Neither UBS Financial Services nor its employees (including its Financial Advisors) provide tax or legal advice. You should consult with your legal counsel and/or your accountant or tax professional regarding the legal or tax implications of a particular suggestion, strategy or investment.