We appreciate that every organization has a unique culture and thus unique needs. Our aim is to provide the bespoke solutions and premier service to ensure you are comfortable and well positioned to pursue your goals.

• Proactive optimization. We help illustrate the impact of plan enhancements, including automatic enrollment, automatic deferral increase, employer match program, minimum deferral rates, loans and hardships, and others.
• Regular benchmarking reviews. Plan sponsors need to have a clear understanding of what participants are paying, and what they are receiving for those fees. At a minimum we hold quarterly reviews with our clients, outlining economic conditions, policy compliance, performance attribution, and rebalancing recommendations. We are available for more in-depth discussions into anything specific to your organization.
• 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.
• Record-keeper search and selection. If a change to the record-keeper is required, our team has extensive experience in implementing record-keeper and Third Party Administrator (TPA) transitions.
• Nonqualified plan services. The unique structure of nonqualified plans demands the attention of a full service consultant, including plan design, funding analysis and implementation.
• Search for Directed Trustee and Custodial Platforms for Defined Benefit Plans.

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Business Owner Insights

By accessing the intellectual capital of UBS, as well as its in-depth manager research capabilities, we combine global insights and analyses with an open architecture mix of managers and funds. This allows us to develop investment programs tailored to the specific goals and objectives of each organization.

Investment manager and fund searches

• Due diligence collaboration with UBS Investment Manager Research
• Identification of appropriate and complementary investment managers and funds
• Cost analyses

Asset allocation modeling

• Asset allocation studies
• Asset and liability analysis
• Spending policy evaluation and formulation
• Strategic rebalancing and tactical positioning

Ongoing consulting and performance measurement

• Customized reports based on client format preferences
• Trustee and fiduciary education
• Philanthropic services
• Custody and trust services

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Executive Financial Planning with UBS

Our experience working with a wide range of organizations has led to a deep understanding of what it means to be an ERISA fiduciary. Our goal is to help your organization. In addition, we understand the diverse backgrounds of many board and committee members, and encourage active discussion and education throughout the relationship.

We provide ongoing support for reviewing and evaluating plan expenses and fees as well as helping you manage your fiduciary documentation.

• Understanding your fiduciary duties. We acknowledge our responsibilities in writing as defined in Section 3(21) or 3(38) of ERISA and will help you develop an investment process to help you address your fiduciary obligations. Rita Fiumara has extensive training in applying fiduciary practices and tools to help ensure she is consistently service her client’ best interest.
• 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.
• 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.
• Independent investment reviews. Our investment review process helps ensure no investments have fallen outside the parameters of the investment policy statement.
• Objective investment advice. Our compensation structure is not determined by the investments you select, and we are platform independent.
• 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.

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Insights for fiduciaries

As your employees approach retirement, we understand they have very specific needs and concerns and we’ll help keep them informed about useful trends we are seeing in the industry. Our comprehensive process is tailored to address all of your employees’ retirement plan consulting needs, including plan transitions. We help with:

Assessing the state of plan education

• Current participant education strategy
• Provider education services
• Plan demographics and participant educational needs

Delivering what participants need most

• Customized participant education strategy
• One-to-one consulting by phone or in-person
• Education through workplace seminars
• Ongoing financial education

Providing ongoing important resources

• Newsletters
• Brochures and worksheets
• Onsite educational seminars
• Educational webinars

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Introducing UBS Financial Wellness Center

We are backed by one of the largest wealth management firms across the globe. UBS is built on a 150-year tradition of serving generations of individuals, families and institutions. This dynamic presence provides us with extensive reach and the ability to help your organization and employees understand the global economy and make better investment decisions.

• Thought leadership. UBS is a source of retirement thought leadership and practical financial knowledge—providing actionable financial guidance to help your employees prepare for retirement.
• An independent platform. One of the great advantages our team has is our truly independent approach. We can offer a wide range of products and are not constrained to internal investment products.
• Clear pricing. Our team is able to leverage economies of scale to provide relationship level pricing to all our clients regardless of their asset size.

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UBS Corporate Profile