This report has been prepared by UBS Financial Services, Inc. Please see important information and disclosures at the end of the document.
The authors of this marketing document transitioned from CIO Research to CIO Global Investment Management on 1 July 2025. This document constitutes sales and education content, not a research report, and it is not developed or held to the standards applicable to independent research. This document may include references to previous Research publications by the authors.
- Financial education
Take some time to learn a little more about financial planning and investing topics. Check to see if your employer offers a financial wellness program, which may give you access to budgeting and savings tools, and financial education courses, among other features.
Even learning just the basics, such as how to build a budget or what your credit score means, will make it easier to manage your day-to-day finances and can give you the confidence you need to take a more active role in building long-term financial security.
Tip
Speak openly with your advisor about the financial topics you’d like to learn more about. And for a personalized playlist of financial education modules, check out ubs.com/thecode.
- Estate planning
Estate planning is essential to ensuring that you and your family are well prepared. A good place to start is a review of your beneficiary designations on your retirement accounts and insurance policies to ensure they still reflect your wishes.
This type of planning involves specifying what you are planning to give, and to whom. But that’s not all. It should also involve considerations for incapacity, such as how you would like to be cared for in time of need and who you would like to have advocate for you on your behalf.
Tip
Once you turn 18, your parents may no longer have access to your medical records and can’t make medical decisions for you. Designate a health care proxy (sometimes called a “medical power of attorney”) to authorize a person to make health care decisions for you in the event you are unable to make such decisions yourself.
- Insurance: disability, life, and LTC
Permanent and even temporary shocks to your income can damage your financial situation, making it more difficult to reach your financial goals. Taking the time to confirm that you have enough disability and life insurance coverage can offer peace of mind that your family will be taken care of in the worst-case scenario. What's more, life insurance can also be a tool to help you manage federal or state estate taxes and boost the after-tax wealth you are able to leave your family.
Long-term care (LTC) can be difficult to plan for because the actual level of expenses incurred is very uncertain. LTC insurance strategies can help to reduce the need to self-insure against the risk of incurring high LTC costs. For more information, please see Long-term care costs and solutions (29 October 2025).
Tip
These planning vehicles help mitigate risk in some of the most unfortunate events. Review any existing life, disability, or long-term care insurance policies to determine whether the coverage is still appropriate for your current and future lifestyle.
Questions to get you started
- What topics regarding your finances would you like to learn more about?
- What do you want your money to do when you’re gone?
- If you had to stop working, how would your family sustain its lifestyle?
Retirement guidebook
For more on these topics, and an overview of what’s new in retirement planning, please visit ubs.com/retirementguidebook (28 January 2026).
Important Information and Disclosures
Purpose of this document: This report is provided for informational and educational purposes only. It should be used solely for the purposes of discussion with your UBS Financial Advisor and your independent consideration. UBS does not intend this to be fiduciary or best interest investment advice or a recommendation that you take a particular course of action.
Personalized recommendations or advice:. If you would like more details about any of the information provided, or personalized recommendations or advice, please contact your UBS Financial Advisor.
Conflicts of interest: UBS Financial Services Inc. is in the business of establishing and maintaining investment accounts (including retirement accounts) and we will receive compensation from you in connection with investments that you make, as well as additional compensation from third parties whose investments we distribute. This presents a conflict of interest when we recommend that you move your assets to UBS from another financial institution or employer retirement plan, and also when we make investment recommendations for assets you hold at, or purchase through, UBS. For more information on how we are compensated by clients and third parties, conflicts of interest and investments available at UBS please refer to the ‘Your relationship with UBS’ booklet provided at ubs.com/relationshipwithubs, or ask your UBS Financial Advisor for a copy.
Important information about brokerage and advisory services: As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that you understand the ways in which we conduct business and that you carefully read the agreements and disclosures that we provide about the products or services we offer. For more information, please review client relationship summary provided at ubs.com/relationshipsummary.
Important additional information applicable to retirement plan assets (including assets eligible for potential rollover, distribution or conversion): This information is provided for educational and discussion purposes and are not intended to be fiduciary or best interest investment advice or a recommendation that you take a particular course of action (including to roll out, distribute or transfer retirement plan assets to UBS). UBS does not intend (or agree) to act in a fiduciary capacity under ERISA or the Code when providing this educational information. Moreover, a UBS recommendation as to the advisability of rolling assets out of a retirement plan is only valid when made in a written UBS Rollover Recommendation Letter to you provided by your UBS Financial Advisor after a review of detailed information that you provide about your plan and that includes the reasons the rollover is in your best interest. UBS and your UBS Financial Advisor do not provide rollover recommendations verbally.
With respect to plan assets eligible to be rolled over or distributed, you should review the IRA Rollover Guide UBS provides at ubs.com/irainformation which outlines the many factors you should consider (including the management of fees and costs of your retirement plan investments) before making a decision to roll out of a retirement plan. Your UBS Financial Advisor will provide a copy upon request.
No tax or legal advice: UBS Financial Services Inc., its affiliates, and its employees do not provide tax or legal advice. You should consult with your personal tax and/or legal advisors regarding your particular situation.
Financial planning services: In providing financial planning services, we may act as a broker-dealer or investment adviser. When we act as investment adviser we charge a separate fee for the service and enter into a written agreement with you. The nature and scope of the services are detailed in the documents and reports provided to you as part of the service.
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