UBS Financial Services Inc.
The Brewster Wealth Management Group
Find out what's happening in Mahwahfor free with the latest updates from Patch.
John G. Brewster
Senior Vice President - Wealth Management
Find out what's happening in Mahwahfor free with the latest updates from Patch.
Senior Portfolio Manager - Portfolio Management Program
Randall V. Brewster
Financial Advisor
Account Vice President
Portfolio Manager - Portfolio Management Program
Susan McGeachen
Senior Registered Client Service Associate
61 South Paramus Road
Mack Center IV, 2nd Floor
Paramus, NJ 07652-1236
201-845-4415 800-698-2707
ubs.com/team/brewsterfinancialgr
Your financial life encompasses much more than the current markets. It’s about what’s most important to you, how you want to live right now and what your goals are for the future. We can work with you to help gauge how cash flow may impact saving for college and retirement. How borrowing can work with investing. How protecting your assets today can preserve your legacy tomorrow. Our advice has helped many clients achieve their goals and we’d like to do the same for you. It all starts with a plan.
Plan
A financial plan is at the heart of holistic wealth management. The first step is to have a conversation—about your goals, concerns for yourself and your family—and then assess where you are today vs. where you want to go. Informing every solution we provide are three levels of our Financial Goal AnalysisSM planning tool:
• Retirement plan (net worth review, retirement goals, asset allocation)
• Retirement and wealth protection
• Estate planning and wealth transfer strategies
Access
Managing your day-to-day finances while keeping your long-term investments on track through the UBS Resource Management Account® (RMA®) is easy, flexible and convenient. You can have one-time or recurring payments automatically deposited into your account. And, if you add a qualifying direct deposit1 to your RMA, the annual account fee of $150 will be waived.2 Access your funds quickly and easily with checkwriting, online bill payment and electronic funds transfer (EFT) services. Or, get cash at banks and ATMs around world with the UBS Visa® debit card and the UBS Visa Signature® credit cards. Even better, the UBS Visa Signature credit cards can also give you access to an elite range of rewards, benefits and personal service. Plus, you’ll also earn competitive interest rates in a bank account eligible for FDIC insurance while having 24/7 access to your account via UBS Online Services and UBS ResourceLineSM
Save
A healthy financial picture requires balancing today’s priorities with saving toward future goals. We can help you work toward your most important objectives, including saving for:
• The retirement you’ve dreamed about (annuities, traditional & Roth IRAs, IRA rollovers, SEP- & SIMPLE-IRAs, owner-only 401(k)s)
• The education of children or grandchildren (529 College Savings Plans, Coverdell Education Savings Accounts)
• Long-term care costs (long-term care and life insurance, universal, annuities)
Borrow
When it comes to achieving your financial goals, the way you borrow can be just as important as the way you invest. Maximizing the power of your invested assets can give you the flexibility to fund a variety of personal and business needs. From 100% home financing solutions to putting a grandchild through medical school, you’ll be able to borrow strategically through a variety of solutions including:
• Securities backed credit lines
• Residential mortgages
• Margin lending
• Tailored lending
• Standby letters of credit
Grow
There are lots of market opportunities out there. It’s smart to work with a Financial Advisor who knows you well and can help you maximize opportunities and minimize risks with a wide range of global investment options, such as our:
• Managed portfolios, to bring you professional advice from investment firms all over The Street
• Traditional and nontraditional investments
• Private wealth and global asset management solutions
• Funding opportunities, through investment banking relationships
Protect
Many of our clients have told us that long-term care trumps retirement as their top concern. If you, too, are concerned about the potential consequences of an unexpected incapacity or long-term illness—or are looking for ways to hedge risk and curb volatility in an uncertain market environment—we can work to protect you, your family and your wealth with solutions like:
• Life, long-term and disability insurance
• Investments designed for downside protection
(options, structured and exchange-traded products)
• Private banking (custody and family office services)
Give
A comprehensive estate plan can help ensure that your assets and your values are preserved for years to come. We understand this, and will work with your tax and legal counselors—or one of the dedicated estate planning experts from our Attorney Network—to help you provide for those you care about with:
• Estate planning and trust services, including administration and accounting
• Intelligent charitable giving strategies (donor advised funds, private foundations, charitable trusts)
Let’s meet for a conversation
Whether you’re concerned about your life today or achieving your goals down the road, we can help. We can advise you on accessing your money more efficiently, saving more intelligently, or borrowing more strategically. Let’s have a conversation about all aspects of your financial picture.
---Disclaimer---
1 Qualifying direct deposits (e.g., payroll, Social Security payments, pension payments, insurance and annuity distributions) are defined as having direct deposits totaling at least $1,000 per month for the two consecutive month period immediately prior to the annual billing date. 2 Once you pay the annual account fee of $150 for your primary RMA or Business Services Account BSA® (Sole Proprietorships), we will waive the annual account fees (the annual service fees) for an unlimited number of additional RMAs and Business Services Account BSAs (Sole Proprietorships) as long as the accounts are held within the same marketing relationship at UBS. We reserve the right to change or discontinue automatic annual service fee waivers at any time.
Visa Signature is a registered trademark of Visa International. The UBS Visa debit card, UBS Visa Signature credit card and UBS Preferred Visa Signature® credit card are issued by UBS Bank USA with permission from Visa U.S.A. Incorporated.
The RMA and Business Services Account BSA are brokerage accounts. Resource Management Account, RMA and Business Services Account BSA are registered service marks of UBS Financial
Services Inc. All references to the RMA also apply to the Business Services Account BSA.
ResourceLine is a service mark of UBS Financial Services Inc.
Credit Lines are provided by UBS Bank USA, an affiliate of UBS Financial Services Inc. Credit Lines are demand loans and are subject to credit approval and collateral maintenance requirements.
UBS Bank USA can demand repayment at any time without notice. If the required collateral value is not maintained, the lender can require you to post additional collateral, repay part or all of your loan and/or sell your securities. Failure to promptly meet a request for additional collateral or repayment or other circumstances (e.g., a rapidly declining market) could cause the lender to liquidate some or all of the collateral supporting the Credit Lines. Any required liquidations may result in adverse tax consequences.
Credit Lines may not be used to purchase, trade or carry securities or to repay debt (a) used to purchase, trade or carry securities or (b) to any affiliate of UBS Bank USA. Additional limitations and availability may vary by state. Prepayments of Premier Fixed Credit Line loans will be subject to an administrative fee and may result in a prepayment fee.
Borrowing using securities as collateral entails risk and may not be appropriate for your needs. All loans are subject to credit approval. For a full discussion of the risks associated with borrowing using securities as collateral, you should review the Loan Disclosure Statement that will be included in your application package. Neither UBS Financial Services Inc. nor UBS Bank USA provides legal or tax advice. You should consult your legal and tax advisors regarding the legal and tax implications of borrowing using securities as collateral for a loan.
Margin loans are provided by UBS Financial Services Inc. and are subject to credit approval.
Standby Letters of Credit are provided by UBS Financial Services Inc.
All mortgage products are only offered by UBS Mortgage. UBS Mortgage is a trade name for UBS AG, Tampa Branch or, in certain states for certain products, UBS Bank USA. All loans are subject to underwriting, credit and property approval. Not all products are available in all states, or for all loan amounts. Other restrictions and limitations may apply. UBS Mortgage currently offers residential mortgage loans within the 50 states of the United States of America and the District of Columbia.
Equal Opportunity Lender. Equal Housing Lender.
As a firm providing wealth management services to clients, we offer both investment advisory and brokerage services. These services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. For more information on the distinctions between our brokerage and investment advisory services, please speak with your Financial Advisor or visit our website at ubs.com/workingwithus. 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 adviser.
©UBS 2014. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC. D-UBS-2550A8B7
