Wealth, for living fully in the present

How cash and savings support your goals

How can you be confident you have what you need, no matter what the markets are doing? A Liquidity strategy can help. It’s designed to help you prepare to have the money for the things you want in the short term and avoid tapping your long-term investments when you need cash. Whether through financing, savings or sound cash management, being prepared can help you be more confident and stay focused on your future.

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We can help you plan for the life you want

See how to balance what you have now with what you’ll need later 

Liquidity at a glance

What it's designed to do

Help you fund expenses for the next 3-5 years for things such as entertainment, taxes or buying a home

Allow you to avoid the need to tap into long-term investments to pay for things now

Manage market risk by including investments with a low risk profile

Why it matters

Helps take the emotion out of investing because you’ve made a plan for what you need

Gives you a clearer idea if you have what you need to weather uncertain times

Helps you avoid making impulsive investment decisions during periods of market volatility

What it might include

Cash and cash alternatives: Make the most of your savings

Emergency fund: Prepare for the unexpected

Residential home financing: Unlock mortgages designed around you

Securities-backed lending: Access fast, flexible financing

Time frames may vary. Strategies are subject to individual client goals, objectives and suitability. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved.

Explore strategies to cover other stages of your life

Wealth for later Longevity

For longer-term needs—to help improve your lifestyle

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Wealth for others Legacy

For needs that go beyond your own—to help you improve the lives of others

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Solutions working in your life

Banking

Discover how investing, cash management services and banking solutions can work together for you

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Sustainable investing

Find out why sustainability matters

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We can help you plan for the life you want

Equal Opportunity Lender. Equal Housing Lender.

Borrowing using securities as collateral involves special risks, is not suitable for everyone and may not be appropriate for your needs. All loans are subject to credit approval, margin requirements, and margin call and other risks; credit lines may be subject to breakage fees. For a full discussion of the risks associated with borrowing using securities as collateral, review the Loan Disclosure Statement included in your application package/account opening package. UBS Financial Services Inc. (UBS-FS) and its Financial Advisors have a financial incentive to recommend the use of securities backed loans, rather than the sale of securities to meet cash needs because we receive compensation related to the loan as well as the investments used to secure the loan. We benefit if you draw down on your loan to meet liquidity needs rather than sell securities or other investments and have a financial incentive to recommend products or manage an account in order to maximize the amount of the loan. UBS-FS and its Financial Advisors and employees offer banking and lending products to clients through our affiliates and third-party banks in our capacity as a broker-dealer and not as an investment adviser.

UBS-FS, their employees and affiliates do not provide legal or tax advice. You should contact your personal tax and/or legal advisors regarding their particular situations, including the legal and tax implications of borrowing using securities as collateral for a loan.

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.

As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capaaty 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 matenal ways and are governed by different lot.vs and separate arrangements. It is important that chents 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.

Review Code: IS2101992; Exp. date 4/30/2022