Investing in peace of mind.

The retirement landscape has evolved significantly and you may be facing an entirely new set of risks. The stability of Social Security remains in question, and with advances in modern medicine you may be living longer in retirement. That means your retirement savings may need to last 20 to 25 years or more.

With the challenging market and economic environment of the past few years, it is critical to protect the wealth you have created with the right planning, especially for long-term care.

Life is unpredictable. That is why it is smart to protect your loved ones and what matters most to you with life insurance. With life insurance, your beneficiaries get a cash death benefit, income tax-free, when you pass away. It can help them pay for living expenses, college tuition and more. Life insurance can also help you create a legacy worth much more than the cost of your policy. Some things to consider:

  • Your current and possible future financial obligations
  • Your spouse’s earnings, savings, investments and life insurance
  • Existing resources, such as survivor’s earnings, savings, investments and other life insurance policies

A UBS Financial Advisor can help you determine the life insurance coverage that is appropriate for your needs.

Annuities can be very useful in adding flexibility and control in retirement planning. They can also help ease concerns about market volatility or the risk of outliving your assets. But it is important to acknowledge that annuities often are not well understood. They have features of both investments and insurance, which make them more complex and often more costly than investing in, for example, mutual funds.

UBS offers a wide range of annuity products from some of the most established and well-respected insurance companies in the U.S. We invite you to have a conversation with a UBS Financial Advisor today to determine whether an annuity would make sense as part of your overall retirement plan.

Talk to a UBS Financial Advisor today to understand how insurance or annuities can help give you confidence that you will achieve your ultimate financial goals.

Insurance and annuity products are issued by unaffiliated third-party insurance companies and made available through insurance agency subsidiaries of UBS Financial Services Inc. Guarantees are based on the claims-paying ability of the issuing insurance company. Guarantees do not apply to the investment performance or safety of amounts held in the variable accounts. Variable products and underlying investment options are not FDIC-insured and have fluctuating returns, so proceeds, when redeemed, may be worth more or less then their original value. Past performance is no guarantee of future results.

Annuities are long-term investment vehicles designed for retirement purposes. Withdrawals or surrenders may be subject to surrender charges. For tax purposes, withdrawals are generally deemed to be earnings out first. Taxable amounts withdrawn will be subject to ordinary tax income, and if taken prior to the age of 59½, a 10% IRS penalty may also apply. Withdrawals have the effect of reducing the death benefit, optional benefit riders and the contract value.

There is no additional tax deferral benefit for contracts purchased in an IRA or other tax-qualified plan, since these are already afforded tax-deferred status. Thus, an annuity should only be purchased in an IRA or qualified plan if the client values some of the other features of the annuity and is willing to incur any additional costs associated with the annuity to receive such features.

Neither UBS Financial Services Inc., nor any of its employees provide tax or legal advice. Clients must consult with their tax and legal advisors regarding their personal circumstances.

In addition to receiving commissions in connection with the sale of annuity products, UBS Financial Services Inc. receives other types of compensation from the insurance companies that underwrite the variable annuity products that we sell to our clients (commonly referred to as "revenue sharing"). Revenue sharing payments, which are made by the insurance company out of their own resources and not paid by the client, may have up to four of the following components:

1. One-time setup payment: These payments are intended to offset various expenses incurred by us in preparing for the insurance companies selling its products to our clients, such as reviewing marketing materials, systems costs, administrative costs and marketing expenditures.
2. Expense reimbursement allowance payments: These payments (ranging from 0.05% to 0.25% annually) are based on annualized quarterly sales. These payments are intended to offset expenses we incur in the sale of variable annuity products, but may be used for other purposes.
3. Quarterly asset payments: These payments (ranging from 0.04% to 0.10% annually) are based on variable annuity assets held by our clients at certain insurance companies.
4. Quarterly persistency payments: These payments (ranging from 0% to 0.05% annually) are based on assets attributable to certain annuity products sold by us but that remain with the insurance company for an agreed minimum period, generally five or more years.

Although none of these revenue sharing payments are paid to the Financial Advisor or the branch office, these payments may present a conflict between our interests and those of our clients because the payments may create a financial incentive for us to recommend that our clients buy and hold certain annuity products that we maintain on our distribution platform. Although a wide variety of annuity products (offered by different insurance companies) are available through our Financial Advisors, they are only part of the universe of annuity products in the marketplace.

UBS Financial Services Inc. determines whether an insurance company has access to our clients based upon our own review and evaluation of each insurance company and its annuity products. There are multiple factors involved in determining a particular insurance company's access to our clients. Although revenue sharing may be one factor, others include the financial stability of the insurance company and the features of its products.

In addition to the payments described above, from time to time insurance companies will reimburse UBS Financial Services Inc. for expenses we incur in connection with certain training and educational meetings, conferences or seminars. Also, in the ordinary course of business, our Financial Advisors may receive promotional items, meals or entertainment, or other similar "non-cash" compensation from insurance companies with which we do business.