We understand and appreciate you've worked hard for everything you have and working with the right financial advisor is important. When clients work with us we take the time, through in-depth conversations, while following our wealth management process to gather insights about your unique personal and financial situation so that we can build an individually tailored financial plan to meet your objectives.

• Retirement income planning.
  Our team can work with you to help preserve your lifestyle and livelihood in retirement. We will help you understand such influences as risk and investment time horizon, evaluate your current asset allocation and help you maximize your Social Security benefits.
• Trust and estate planning strategies.
  We have the experience and the network to address the complexities of your advanced planning needs. We can help with preserving your assets, reducing estate tax exposure, transitioning wealth to future generations and pursuing philanthropic endeavors.
• Tax strategies.
  Through open and continuous dialogue with your tax professionals, we’ll review your returns and prepare an integrated strategy. We create tax-efficient portfolios and construct highly customized family gifting solutions.
• Tailored lending and business planning.
  Through UBS you can access innovative personal and business solutions such as securities-backed lending, mortgages and tailored financing*.
• Insurance.
  We view insurance as a tool to help protect your family’s assets, replace income, and create a legacy for future generations and philanthropic beneficiaries. We objectively analyze all your current policies—including long-term care—to determine whether they meet current and future needs.
• Philanthropy.
  We’ll work with you and family members to provide education on philanthropy and participation strategies for the next generation. Our advice addresses your philanthropic mission statement, as well as assessments of your current charitable goals, contributions and associations.

Investments are the way we make your plan work. Our goals-based investment philosophy allows for highly customized portfolios driven by a strategic wealth allocation process. We practice a balanced, nonproprietary investment strategy and believe that research, diversification, and risk monitoring are the foundation of financial success.

• A focus on asset allocation.
  Through our comprehensive due diligence and planning process, we can determine your family’s goals, growth and income needs, and tolerance for risk. This allows us to craft an asset allocation that maintains an opportunistic eye toward investments and changes in the market.
• Risk management.
  By listening and aligning with your objectives, we focus on strategies that help mitigate risk and build balanced portfolios. As we implement your investment strategy, we communicate regularly and track performance, rebalancing and making adjustments for life changes and economic conditions.
• Safeguarding multigenerational wealth.
  Because we understand the connection between wealth and family, we’re committed to having a multigenerational impact on your life. Attuned to preserving the financial independence of your entire family, we can help structure a deliberate and meaningful family legacy and direct capital to reflect your values.
• Research and analytics.
  Through our global research organization, CIO Americas, Wealth Management, we offer our clients the latest in market research and financial insights. With more than 900 professionals across UBS dedicated to helping you understand the global economy and make better investment decisions, we can help empower you to make informed and confident investment decisions.
• Fiduciary responsibility.
  When we take on discretionary management of your portfolio, we are clear about our fiduciary obligation and acknowledge our responsibility in writing.

Facing a significant liquidity event, the uncertainty and stress of divorce or the loss of a loved one, you need a knowledgeable and experienced ally on your side to help evaluate options, help you make important financial decisions and achieve the results you deserve.

• Pre- and post-liquidity planning.
  By listening and aligning with your objectives, we focus on liquidity and investment management strategies that allow for sustainable growth and help mitigate risk.
• Facing divorce.
  We are able to provide advice on the financial issues of divorce. Our Certified Divorce Financial Analyst* assists clients and their attorneys with data analysis, model scenarios and evaluate the financial effect of a given divorce settlement. Our team brings years of experience and sophisticated financial insights to help guide you through each critical decision you face before, during and after your divorce.
• The loss of a loved one.
  In many relationships, financial decisions are often made primarily by one partner. With a loss, this frequently results in one of the parties being left uninformed, uncertain and anxious. We offer financial guidance for the next phase of your life.

Financial Planning is an extremely valuable service that many business owners take on themselves without the expertise to tackle the various aspects of their life. While planning for your business is paramount, we spend time integrating your personal and business financial goals to ensure that both components are aligned.

• Retirement income planning.
  Our team can work with you to help preserve your lifestyle and livelihood in retirement. We will help you understand such influences as risk and investment time horizon, evaluate your current asset allocation and help you maximize your Social Security benefits.
• Trust and estate planning strategies.
  We have the experience and the network to address the complexities of your advanced planning needs. We can help with preserving your assets, reducing estate tax exposure, transitioning wealth to future generations and pursuing philanthropic endeavors.
• Tax strategies.
  Through open and continuous dialogue with your tax professionals, we’ll review your returns and prepare an integrated strategy. We create tax-efficient portfolios and construct highly customized family gifting solutions.
• Tailored lending and business planning.
  Through UBS you can access innovative personal and business solutions such as securities-backed lending, mortgages and tailored financing.
• Insurance.
  We view insurance as a tool to help protect your family’s assets, replace income, and create a legacy for future generations and philanthropic beneficiaries. We objectively analyze all your current policies—including long-term care—to determine whether they meet current and future needs.
• Philanthropy.
  We’ll work with you and family members to provide education on philanthropy and participation strategies for the next generation. Our advice addresses your philanthropic mission statement, as well as assessments of your current charitable goals, contributions and associations.

With a comprehensive financial planning process as the focal point of the relationship, we help illustrate and model potential strategies and scenarios that seek to increase the likelihood of a successful transition.

We ask you the questions at the forefront of your mind. What is your desired financial outcome? Do you wish to keep working post transaction? What role and level of commitment would be optimal for you? Do you wish to retain a majority stake? We can help you answer these questions and ensure your most important asset is handled the way you want it to be.

• Estate Planning strategies– How is the sale aligned with our personal estate planning goals? Are there opportunities to lower future estate tax burdens by transferring interests to your family members using sophisticated estate planning techniques prior to the transaction? Should separate trusts be established for the benefit of family members? With the right strategy, your estate can have the maximum possible impact on your loved ones – now and for generations to come.
• Tax Planning – how will tax planning change as a result of the sale? Which deal structure – a stock sale or an asset sale – will provide you with more tax benefits? Identifying the right strategy in consultation with your CPA or tax professional can make a significant difference in the proceeds you take home from the sale.
• Philanthropy – How might the sale enable you to have a greater impact on the philanthropic causes that are meaningful to you and your family?Does the sale present the opportunity to transfer shares into a charitable vehicle, such as a donor advised fund or a charitable remainder trust to generate an income tax deduction and possible deferral or avoidance of income tax payable upon the sale?
• Investment Strategies – Do your investable assets reflect future cash flows? A well-designed strategic asset allocation can help you bridge any possible short-term liquidity needs that may arise before the sale.

What now? What do you need to accomplish post sale of your business? How will you fill your day and find a new purpose? We work with many business owners who transition to the next chapter and suddenly find themselves in a state of uncertainty in what to do next.

• Broader Wealth Management – once the business has been sold, how will you maximize your after-tax proceeds? What changes are needed to your strategic asset allocation plan so your investment portfolio responds to your unique needs, goals and aspirations? The right post-sale wealth management strategy can help you make a successful transition to the next phase of your wealth management journey.
• Retirement - You're now moving into the next chapter of your life. We help deliver a cash flow distribution, create separate accounts for taxes, consumption and investments that matches your personal objectives.
• Philanthropy – Whatever your legacy we help to ensure it is aligned with your overall financial goals.
• Giving Solutions - What is the right solution for you?
• Donor Advised Fund
• Charitable Trusts
• Private Foundations
• Phlanthropy focused meetings

Portfolio management is all about determining strengths, weaknesses, opportunities and threats in the choice of debt vs. equity, domestic vs. international, growth vs. safety, and many other trade-offs encountered in the attempt to maximize return at a given appetite for risk.

We help to identify the needs of the corporation, determine risk factors and tie it into the portfolio structure for their given objectives.

• Investment policy statement creation
• Institutional equity
• Taxable fixed income
• Municipal fixed income
• Cash management
• Alternative investments

• Monetization Strategies
• Real Estate Finance
• Mergers and Acquisitions
• Fund Services
• Corporate Capital Raise – Equity
• Boutique Options – buy/sell

Our team provides retirement plan experience, customized advice and broad financial insights from one of the world’s leading wealth management firms. Our process incorporates your plan's needs and considers industry changes.

• 401(k) plans
• 403(b) plan
• Equity compensation programs
• Stock option finance programs
• Corporate financial planning
• Pre IPO lending
• Manager/fund selection
• Institutional equities and fixed income solution