Through a collaborative process, we can help simplify your financial life, whether you are looking to preserve, grow, or transfer wealth..

Understanding your needs and goals
We spend the time to really get to know you, your loved ones and your goals. We elevate the typical discovery process by asking insightful, hard, and often unthought-of questions.

Constructing your wealth plan
We integrate your financial assets and liabilities with your savings, goals, and portfolios into a comprehensive and cohesive view.

Providing disciplined investment guidance
As portfolio managers and wealth advisors, our team is grounded in the fiduciary best practices of prudent asset allocation and risk management.

Leveraging our institutional consulting experience
When putting together a family’s wealth strategy, we leverage our fiduciary experience working with large companies to provide a disciplined and repeatable process.

Our comprehensive approach helps us gather insights so we can build a custom tailored plan and track its progress.

UBS Wealth Way can help you clearly understand where your money is- and why. It gives you clarity that helps you focus on your long-term goals no matter what the markets are doing.

Customized wealth and investment management

• Cash management services
• Charitable trusts and philanthropic services
• Concentrated stock positions
• Customized asset allocation
• Education funding
• Equity and fixed income management
• Estate planning strategies
• Financial planning
• Retirement planning
• Tax minimization strategies
• Trust services

Corporate executive solutions

• Wealth planning solutions for Business owners
• Financial planning for officers and directors
• Integrate corporate benefits with personal investment strategies
• Optimize equity awards
• Provide advice on company executive benefits
• Review and analyze executives’ financial picture, including stock options, 401(k) plans, deferred compensation, pensions and insurance

Insurance and lending

• Annuities
• Life insurance
• Long-term care insurance
• Residential mortgages
• Securities backed lending
• Trust services

Fiduciary acknowledgment
We acknowledge our fiduciary responsibility in writing as defined in Section 3(21) of ERISA.

Development/review of Investment Policy Statement
Our team can work closely with you to help you develop a formal policy that reflects your objectives and risk requirements, while setting parameters for investment selection and evaluation.

Independent investment reviews
We prepare an Investment Review for each committee meeting to help ensure no investments have fallen outside the parameters of the Investment Policy Statement.

Manager search and selection
Three critical elements of a successful investment manager search: a disciplined selection process, consistency in applying that process and skilled search professionals to implement the process.

Stable Value review
Because fiduciaries must have a clear understanding of their plan’s Stable Value option, we will review and discuss its various provisions with you.

Asset allocation program review
Allocation programs are among the most utilized investments and their oversight is a critical part of your fiduciary process.

Plan benchmarking review
Trustees need to have a clear understanding of what participants are paying, and what they are receiving for those fees.

Recordkeeper search and selection
If a change to the recordkeeper is required, our team has extensive experience in implementing 401(k) platform transitions.

ERISA 404(c) compliance checklist assistance
Complying with ERISA section 404(c), may shield sponsors of retirement plans with participant-directed investments from liability for poor investment decisions made by plan participants.

Non-qualified plan services
The unique structure of non-qualified plans demands the attention of a full service consultant, including plan design, funding analysis and implementation.

Participant communication planning
During a communication planning session, the committee outlines the following year’s educational goals while crafting a work schedule to help accomplish these goals.

Educational meetings and workshops
We have developed a highly rated education meeting by using a participatory format and humor to engage participants, while also showing real-world ways by which participants can cut monthly expenses and find extra dollars to save in order to fund their retirement goals.

Retirement preparation workshops
Plan participants with 5 years or less to retirement have very specific needs and concerns.

Telephone-based financial advice
By offering this service, companies save on HR-related inquiries and participants are able to access our fully licensed and well-credentialed team for asdvice in all matters financial, not simply retirement plan-related issues.

Executive financial planning services
Our team is dedicated to providing personalized planning advice tailored to the executive’s specific financial situations.

Oversight committee training and fiduciary training
A committee that does not understand its responsibilities or lacks knowledge of the subject it is trusted with is not in a defendable situation should a lawsuit be filed against the plan.

Our team has developed a solution to allow alternative investment firms to offer their own fund(s) as an investment option in their 401k plan, while maximizing the benefit to employees.

Plan design Through thoughtful plan design, partners can carve out a smaller group of employees to participate in the cash balance plan. Using our proposed structure, employees can save up to six figures, pre-tax, per year (depending on their age).

Our solution will allow all participants to invest in your proprietary fund, regardless of Qualified Purchaser or Accredited Investor status.

By utilizing a managed account or trustee directed fund our plan design satisfies the QP and AI investor standards, as well as the non-discrimination rules established by the Department of Labor.

Our plan design allows your employees to maximize their pre-tax contributions to the 401k Plan ($56,000 for 2019). Pairing the 401k Plan with a Cash Balance Defined Benefit Plan will allow a curated group of partners and employees to defer additional pretax savings.

Investments

• Utilizing our custom solution allows all plan participants to invest in your firms proprietary fund (3c7 or other structure)*
• We will build a core line up of funds to compliment your private investment option
• UBS will act as a 3(21) co-fiduciary to the core lineup of funds

Employee education

• Custom designed education strategy tailored to fit employee demographics and geography
• We will conduct onsite enrollment meetings and employee education meetings/seminars.
• UBS Financial Wellness program access-tools and resources to help participants with all aspects of their financial lives.

Creating Liquidity Solutions
As a Portfolio Manager and/or employee of a Hedge Fund, you most likely have invested a significant portion of your wealth into the various hedge funds offered at your fund of employment. As you continue to build your wealth, it may be advantageous for you to borrow against your Limited Partner (LP) interests. Our Wealth Management lending platform may be able to help you meet your needs.

Benefits of borrowing against a Hedge Fund interest
Tapping your eligible Hedge Funds interests provides you the new liquidity you need- which may be used for a number of purposes including but not limited to:

• Reinvest into your existing Hedge Fund LP interests
• Manage fund expenses/payroll
• Working capital
• Cash flow management
• Private investments/portfolio diversification
• Real estate purchases
• Lifestyle purchases
• Tax Payments

Unlock new sources of liquidity
The UBS Private Equity Funds Lending Program is designed to give you access to liquidity sources that you may not have previously considered. Although private equity interests are not typically thought of as a liquidity source, they may actually offer an opportunity for leverage.

Private Equity Funds Lending Program
The UBS Private Equity Funds Lending Program is designed to give you access to liquidity sources that you may not have previously considered.

• Credit facilities to individual Limited Partners: The UBS Private Equity Fund(s) Lending Program is designed to give you access to liquidity sources that you may not have previously considered. Although Private equity interests are rarely though not typically thought of as a source of liquidity, they may but actually offer an opportunity for leverage.
• Facilities provided to funds that are secured by capital call commitments: Subscription lines (or capital call lending facilities) are borrowing facilities for general partners to use when they need to act quickly, or if they would rather finance an investment using a lending facility, instead of requesting funds from the limited partners. The collateral for the loans are the unfunded commitments of the limited partners.
• A programmatic offering allowing senior employees of private equity firms to leverage their limited partnership interests in their firm's private equity funds: Private equity firms often use employee financing programs as retention tools. It also acts as a way to increase employee investment in the firm's proprietary funds which helps to incentivize employees to perform.

Hedge fund advisory services**

• Client portfolios tailored to meet specific investment objectives
• Customized portfolios for family offices and institutions
• A comprehensive hedge fund solution that acts as an extension of a client’s alternative investment team

Credit and leverage

• Hedge fund and private equity portfolio financing
• SBLs, letters of credit and margin loans
• Real estate finance
• UBS mortgage services
• Aircraft financing
• Art financing
• Restricted and insider financing

Read important disclosures

Cash and liquidity

• Cash flow analysis
• Short-term and long-term liquidity assessment
• Liquidity solutions with risk-adjusted returns:

- Checking and savings accounts with automatic sweep
- Money market funds
- CDs and multi-currency time deposits

Risk management

• Personal and business assessment of risks (market volatility, liquidity, foreign exchange, firm specific default and risks)
• Tax-efficient strategies for holding and transferring wealth

Wealth planning and transfer

• Strategies for a range of priorities, including wealth preservation, wealth transfer and new venture launches
• Wealth modeling and analytics for estate and wealth succession planning
• Gifting strategies to help maximize impact while reducing tax exposure
• Philanthropic and trust strategies

UBS Global Family Office

A joint venture between UBS Investment Bank and UBS Wealth Management, focused entirely on family offices with institutional-like profiles and requirements, that offers:

• A strategically integrated group of wealth managers, bankers, operations experts, credit and risk specialists dedicated to your family office, including a dedicated cross-asset coverage team
• Direct access to financial experts from UBS Investment Bank, Wealth Management and Global Asset Management locations across the globe
• A true dialogue and relationship-centric culture at UBS Group level