Retirement on your terms: Beyond traditional 401(k)s and IRAs

Whether retirement is on the horizon or around the corner, you need a prudent plan. That means strategic investments, comprehensive health care and the confidence you’ll be covered throughout your retirement years.

You may be asking:

Am I ready to retire, emotionally and financially?

Are you emotionally ready for a new way of life, even if you have enough money to retire? Your UBS Financial Advisor can work with you on how to get there. Together, you may explore:

Retirement planning
Financial Goal Analysis (FGA)
Financial planning
Insurance planning

Could I outlive my savings?

Want to be more confident about retirement? It starts by knowing what you have and what you’ll need. Using the UBS Wealth Way framework, your UBS Advisor can help you map it all out and make the most of your hard-earned savings and investments. Solutions may include:

Stocks and bonds
IRAs
Alternative Investments
Social Security

What about long-term care?

Don’t let long-term care or medical costs jeopardize your nest egg. Your UBS Financial Advisor can help you be prepared so you have confidence in your financial future. Together, you may discuss:

Health Savings Accounts (HSAs)
Long-term care insurance
Disability insurance
Medicare/Medicaid

Situation:

Phil and Jennifer, a successful professional couple in their mid-50s, share a home in Los Angeles. They are raising two young teens and are looking to send them to college. Given the multiple challenges of a high cost of living, college expenses and fulfilling their passion for travel in retirement, Phil and Jennifer need to balance meeting their needs now and saving for the future.

Solution:

Using the UBS Wealth Way framework, the couple’s UBS Advisor helped them organize their financial life into three key strategies.

Liquidity: Wealth for now, to help plan their current spending
Longevity: Wealth for later, which incorporated a growth mix of stocks, alternative investments and a 529 college savings fund
Legacy: Wealth for others, designed to help the couple provide a lasting inheritance

The Advisor also recommended further protecting the couple’s nest egg and their children’s future through long-term care insurance.

Scenarios do not depict actual clients, but are typical situations of how UBS and its Advisors can improve the financial lives of UBS clients.

UBS Wealth Way is an approach incorporating Liquidity. Longevity. Legacy. strategies that UBS Financial Services Inc. and our Financial Advisors can use to assist clients in exploring and pursuing their wealth management needs and goals over different time frames. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved. All investments involve the risk of loss, including the risk of loss of the entire investment. Time frames may vary. Strategies are subject to individual client goals, objectives and suitability.

Please note that interests of alternative investment funds (Funds) are sold only to qualified investors, and only by means of offering documents that include information about the risks, performance and expenses of the Funds, among other things. An investment in alternative investment funds is speculative and involves significant risks.

Insurance products are made available by UBS Financial Services Insurance Agency Inc. and by other insurance licensed subsidiaries of UBS Financial Services Inc. through third-party insurance companies unaffiliated with UBS Financial Services Inc.

Long-term care insurance may have a number of particular exclusions, limitations, reduction in benefits or other terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, clients should contact their UBS Financial Advisor.

Retirement planning

A UBS Advisor can work with you to create a framework that includes investment strategies that sufficiently diversify your portfolio for growth and protect your future.

Alternative investments

To help diversify your portfolio beyond the stock market, a UBS Advisor can help implement a mix of hedge funds, private equity and private credit.

Long-term care insurance

To lessen the burden on your children and protect your hard-earned assets, a UBS Advisor can help you plan with long-term care insurance and help protect your future.