Helping you create a stronger plan

Retirement Plan Consulting Services

When you manage a defined contribution retirement plan, it helps to have an advantage. And we give you advantages that can make a real difference in your ability to manage your plan.

Our Retirement Plan Consultants1 offer retirement plan experience, customized advice and broad financial insights from one of the world’s leading wealth management firms2.

Our customized consulting process incorporates your plan's needs and considers industry changes. Using our Plan Management Roadmap, you'll collaborate with a Consultant who can help you implement sound fiduciary governance, optimize plan health and prepare your employees for life beyond retirement. You can gain all these advantages without changing your current recordkeeper.

Find out how our retirement plan experience, combined with the strength of UBS, can help you manage your plan in the best interests of your participants.

Are you meeting your obligations as a plan sponsor?

Let one of our Senior Retirement Plan Consultants help you with a plan consultation.

A trusted resource

Trusted, objective, knowledgeable

Our mission is to help you make your plan the best it can be.

Strong network

We're a national network of experienced Retirement Plan Consultants2 providing customized service and objective advice to more than 2,000+ retirement plans, representing more than $85 billion in plan assets3.

Extensive heritage

We're part of UBS AG, a leading global wealth management firm with a 150-year heritage and among the most highly capitalized balance sheets in our peer group–including $3.3 trillion in Global Wealth Management invested assets.4, 6

Tailored approach

We can customize our Plan Management Roadmap to help you accomplish your objectives.

Deep insights

We're a source of retirement thought leadership and practical financial knowledge—providing actionable financial guidance to help your employees prepare for retirement.

Delivering what matters

Our Process

Customized advice

Within the framework of our Plan Management Roadmap, we create a customized path to help you manage plan complexity, and provide advice to help you in three critical areas:

Fiduciary governance, including UBS delivering investment advice as an ERISA fiduciary, implementing a process to organize key fiduciary documentation, providing updates on fiduciary issues, and analyzing plan fees and expenses.

Plan health optimization, including assessing plan provider services, evaluating participant utilization of the plan, introducing plan feature enhancements such as automatic enrollment and asset allocation strategies, and tracking improvements in key indicators of plan health.

Participant retirement readiness, including developing a customized participant education strategy, delivering educational seminars, providing financial education and planning support, and measuring the impact of participant engagement initiatives.

Our Consultants

Skilled in retirement, backed by a leader

Your Consultant works collaboratively with you to develop strategies and innovative solutions through insights gained across our national network of Retirement Plan Consultants and is supported by the resources and capital strength of UBS, one of the world's leading wealth managers.3,4

Your Consultant will analyze the current state of your plan, provide guidance on issues that matter to you most, and help to improve how your plan is managed – to simplify your role as plan fiduciary, and to help you pursue the results you aspire to.

Our Insights

"Successfully navigating retirement requires a total wealth approach that considers the full set of options to achieve goals and objectives6".

–– Your Wealth & Life

Informed and engaged

Our firm and our Consultants are knowledgeable and committed to the retirement plan industry. We understand the impact of longer life expectancies, greater employee responsibility for retirement savings, and the increased governance demands placed on – fiduciaries including the focus on fees and sound investment processes.

Our insights, combined with our retirement plan consulting capabilities, can help both sponsors and participants manage today's retirement realities.

Download Your Wealth & Life, our quarterly publication on personal strategies for wealth management.

Our Education

Participant education

When preparing for retirement, participants need to understand their plan benefits and take confident action based on helpful information.

We can provide participant education consulting and help facilitate easy-to-understand seminars on both investment basics and the benefits of saving through the plan. Our educational capabilities include the UBS Financial Wellness Center for your retirement plan participants. This dedicated online portal offers information on wide ranging topics to help plan participants gain the confidence they need to make smarter financial decisions. As a wealth management firm, we also have resources to offer financial planning and wealth management opportunities to your employees.

In addition, we know that as a sponsor you also need to stay current about industry developments and regulatory updates. Our Consultants are your resource for information that helps you stay ahead.

Plans we serve

Through our Institutional Consulting and Retirement Plan Consulting Services programs, we provide advisory services to more than 2,000 retirement plans comprising over $85 billion in assets.3 These include defined contribution plans, defined benefit plans, and nonqualified deferred compensation plans.

Our clients are organizations of all sizes–in manufacturing, business and professional services, state and local government, healthcare and more.

Keeping you informed

Our reporting and insights can help you stay up-to-date with management best practices and help prepare you for emerging developments and regulatory changes.

Resources for plan participants

Wise Choices

Quarterly participant newsletter: Helpful education for informed retirement decisions.

Financial Wellness Center

An online education portal consisting of videos, tutorials, podcasts and articles to help plan participants prepare for their financial future.


Tools to help plan participants balance their budget, review their financial situation and invest smartly.

Insights for Fiduciaries

White papers:
Thoughtful in-depth analysis of fee disclosure, plan expenses, fiduciary risk and more.


Quarterly newsletter:
Need-to-know information about legislative changes, technical updates and best practices.

Washington Weekly

Must-have updates on what's happening in Congress—focusing on financial services and regulatory measures.

1Retirement Plan Consultants, as that term is used in this document, are financial advisors who have the experience and education, and who are approved by UBS Financial Services Inc., to provide advisory services to participant– directed defined contribution retirement plans. To be eligible for the UBS Retirement Plan Consulting Services program, Financial Advisors must demonstrate a minimum level of retirement plan knowledge and experience by meeting program eligibility requirements.
Source: UBS Corporate Profile for 4Q16 and companies reporting.
3Source as of, 12/31/2017 based on UBS reporting. Includes defined contribution and nonqualified deferred compensation plans served through our Institutional Consulting and Retirement Plan Consulting Services programs. 
Source: UBS quarterly review 4Q17
4UBS AG Investor Relations 4Q16 results.
5Source: Best Global Wealth Manager – 2016, Euromoney. Based on latest year-on-year percentage change in the number of private banking clients; latest year-on-year percentage change in private banking gross revenue; latest year-on-year percentage change in private banking net income. The award was also based on nominations from frontline banking staff individual employees with a perspective on the relative merits and demerits of their banks and their competitors. Source: UBS. "Important Notices" Web. Date of access: 10/26/2016.

6Source: UBS Corporate Profile for 4Q16 and companies reporting. UBS reported a BIS Basel III common equity Tier 1 (CET1) ratio (fully applied) of 14% as of 3/31/16 Source: The Basel III framework is a global regulatory standard on bank capital adequacy, stress testing and market liquidity risk; it is designed to improve the banking sector's ability to absorb shocks arising from financial and economic stress.

The UBS Institutional Consulting and Retirement Plan Consulting Services programs are investment advisory services, and clients should carefully read the UBS Institutional Consulting and Retirement Plan Consulting Services ADV Disclosure Documents for important information regarding our consulting services, including fees and scope of services, before entering into a UBS Institutional Consulting or Retirement Plan Consulting Services Agreement.

UBS Financial Services Inc., its affiliates, and its employees are not in the business of providing tax or legal advice. Clients should seek advice based on their particular circumstances from an independent tax advisor.

Important information about Advisory & Brokerage Services: As a firm providing wealth management services to clients, UBS is registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser and a broker-dealer, offering both investment advisory and brokerage services. Advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. It is important that you carefully read the agreements and disclosures UBS provides to you about the products or services offered. For more information, please visit our website at

Neither UBS Financial Services Inc. nor employees (including its Financial Advisors) provide tax or legal advice. You should consult with your legal counsel and/or your accountant or tax professional regarding the legal or tax implications of a particular suggestion, strategy or investment, including any estate planning strategies, before you invest or implement.

©UBS 2017. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG.

Date of first use: 11/07/16 IS1500324