We provide wealth management services to individuals and corporations. Our services include:

• Financial Planning: We offer financial planning as part of our wealth management process in our capacity as investment advisors. Financial planning is a lifelong process, designed to address your long-term needs as you make your way through life and strive to accumulate, preserve and transfer your wealth.
• Retirement Planning: We can help you plan for retirement based on an effective investment strategy that defines your retirement goals, identifies opportunities to fund your retirement account and analyzes research to help you make appropriate investment decisions for your employer-sponsored retirement plans and IRAs.
• Tax Management: Federal, state and local taxes can erode a significant portion of your income. We will develop and implement tax planning strategies that might be appropriate for you, given your needs and goals.¹
• Estate Planning Strategies: An estate plan is one of the best ways to assure that, after your death, your assets will be handled as you intended. We can help coordinate key aspects of your estate plan—wills, life insurance and trusts—and also help assemble a team of professionals to work with you and your other trusted advisors.¹
• Education Funding: For years, college costs have risen at rates higher than inflation. If your goals include planning for a loved one's education, we can help you get a firm picture of the real cost of the colleges he or she might attend. We will also work with you to help you decide which savings vehicles are right for you.
• Risk Management: Since our firm is not owned by, nor do we own, an insurance company, we can offer a broad range of products from a variety of insurance companies, based upon your individual needs.
• Investments: We have access to comprehensive investments and services designed to meet a wide array of investment objectives, including capital appreciation, generating income, managing portfolio or single stock risk, short-term cash management and tax minimization.

To learn more about UBS's capabilities and services, please visit www.ubs.com.

¹ UBS AG and its Affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with UBS AG of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.

It is important that you understand the ways in which we conduct business and the applicable laws and regulations that govern us. As a firm providing wealth management services to clients in the U.S., we are registered with the U.S. Securities and Exchange Commission (SEC) as an investment advisor and a broker-dealer, offering both investment advisory and brokerage services. Though there are similarities among these services, the investment advisory programs and brokerage accounts we offer are separate and distinct, differ in material ways, and are governed by different laws and separate contracts.

It is also important that you carefully read the agreements and disclosures that we provide to you about the products or services we offer. While we strive to ensure the nature of our services is clear in the materials we publish, if at any time you seek clarification on the nature of your accounts or the services you receive, please contact us at 800-796-2104.  Please be advised that investments are subject to risk, including the possible loss of principal.