Our planning approach includes:

• Retirement income planning: Our team can work with you to help protect your lifestyle and livelihood in retirement.
• Trust and estate planning strategies: We have the experience and the resources to address the complexities of your estate and legacy planning needs.
• Insurance consulting and review: Our team views insurance as a tool to protect your family’s assets, replace income and create a legacy for future generations and philanthropic beneficiaries.
• Liability management: We will work with you to find creative solutions to your borrowing needs. We provide a wide range of lending options such as securities based loans, mortgages and commercial loans.

Neither UBS Financial Services Inc. nor any of its employees provide tax or legal advice. You should consult with your personal tax or legal advisor regarding your personal circumstances.

Credit and lending services are provided by banking affiliates of UBS Financial Services Inc., and are subject to credit approval.

Our planning approach includes:

• Portfolio Management Program:We build customized portfolios based on each client’s specific objectives and manage it on a discretionary basis as UBS Portfolio Management Program professionals.
• Proper asset allocation: Through our comprehensive due diligence and planning process, we create a model that is diversified and we rebalance on a regular basis to ensure your portfolio stays on target with your stated objectives.
• Tax-Advantaged Strategies: Whether you are developing a business succession strategy, managing a large liquidity event, planning your estate or building your legacy, our team can work with you and your tax and legal advisors to develop tax-advantaged solutions.
• Multigenerational Strategies for your family’s wealth: We understand the connections between wealth and family and we are positioned to address your family’s needs, ranging from growth strategies to wealth transfer and preservation to philanthropic pursuits.

The Portfolio Management Program (PMP) is a wrap fee advisory program in which our Financial Advisors manage client accounts on a discretionary basis. PMP is designed for clients who (i) want to delegate portfolio management discretion to their Financial Advisor; (ii) are looking to implement a medium to long-term investment plan; and (iii) prefer the consistency of fee-based pricing.

PMP is not appropriate for clients who: (i) want to maintain trading control over their account; (ii) seek a short-term investment; (iii) want to maintain consistently high levels of cash, money market funds, or invest primarily in no-load mutual funds; (iv) want to maintain highly concentrated positions that will not be sold regardless of market conditions; or (v) who anticipate significant withdrawals from the account.

Neither UBS Financial Services Inc. nor any of its employees provide tax or legal advice. You should consult with your personal tax or legal advisor regarding your personal circumstances.

Our planning approach includes:

• A family office environment: We provide a dedicated organization to bridge the generations within your family in order to create continuity and deliver a structure that is focused on preserving wealth and creating opportunities.
• Customized client service: Clients rely on our client service team for a host of critical financial and administrative needs. Our entire team is highly accessible, offering consistent communication and ongoing reviews. Responsive and attentive, we have built long- lasting relationships by offering robust service that anticipates your needs.
• Bringing together the best resources: We are trusted by our clients to work directly with their accountants and attorneys, whether we are helping with tax planning or advising them on the most prudent strategies for building a legacy. By working closely with your tax, legal and insurance advisors, as well as our network of financial experts, we can incorporate all perspectives into one integrated approach.

Neither UBS Financial Services Inc. nor any of its employees provide tax or legal advice. You should consult with your personal tax or legal advisor regarding your personal circumstances.