Video Couples and money-who decides?

It takes two to plan for your future

Do couples really share financial decisions? When it comes to financial decisions, our research reveals that there are four kinds of couples. What kind of couple are you? And what kind is best?

Key Takeaways:

  • The most common kind of couple is man-led—he makes investment decisions, she handles the day-to-day expenses.
  • Couples who truly share financial decisions feel the most confident about their future—but only 1 in 4 couples fall in this category.
  • Couples who make separate decisions on money argue the most about it.

Are you two on the same page? Your UBS Financial Advisor can help you and your spouse plan for your future together.

Source: UBS Investor Watch: Couples and Money—Who decides? 2Q 2014

About the survey: UBS Wealth Management Americas surveys U.S. investors on a quarterlybasis to keep a pulse on their needs, goals and concerns. After identifying several emergingtrends in the survey data, UBS decided in 2012 to create the UBS Investor Watch to track,analyze and report the sentiment of affluent and high net worth investors. UBS Investor Watch surveys cover a variety of topics, including: Overall financial sentiment; Economic outlook and concerns; Personal goals and concerns; Key topics, like aging and retirement. For this seventh edition of UBS Investor Watch, 2,595 U.S investors, who identified as beingmarried or living together, responded to our survey from March 27 - April 1, 2014. Of those,3% identified as LGBT. The core sample of 1,260 investors has at least $250,000 in investableassets; 1,046 have at least $1 million in investable assets. This UBS Investor Watch includes an oversample of Millennial couples: 405 Millennials identified as being married or living together; respondents, ages 21-29, have at least $75,000 in household income or $50,000 in investable assets; respondents, ages 30-36, have at least$100,000 in household income or $100,000 in investable assets.

This is for informational and educational purposes only and should not be relied upon as investment advice or the basis for making any investment decisions. It has not been prepared with regard to the specific objectives, financial situation or particular needs of any specific person. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the information contained herein. Any opinions expressed are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or groups of UBS.

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 clients understand the ways in which we conduct business, that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. A small number of our financial advisors are not permitted to offer advisory services to you, and can only work with you directly as UBS broker-dealer representatives. Your financial advisor will let you know if this is the case and, if you desire advisory services, will be happy to refer you to another financial advisor who can help you. Our agreements and disclosures will inform you about whether we and our financial advisors are acting in our capacity as an investment adviser or broker-dealer. For more information, please review the PDF document at ubs.com/relationshipsummary(PDF, 127 KB).

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