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Beyond your 401(k) and IRA: Retirement and your future

Retirement planning, longevity and how to build confidence through a wealth management plan

You've worked hard and carefully invested to ensure that you'll live life on your terms in retirement, but how can you be sure it will be the same retirement you had always envisioned?

High net worth investors are concerned today about having enough to retire. But, with guidance to address your concerns and a sound plan, you can feel more confident in your future.

Whether you're saving for retirement, transitioning to retirement or living in retirement, a UBS Financial Advisor can work with you to build a dynamic financial plan that you can adjust as needed to remain on track as the economy and your life changes.

Key stages of retirement:

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Saving for retirement

You may have many valid questions, but they are not always easy to address. And the answers may vary depending on your specific goals and personal situation. With a clearer understanding and sound strategies, you can have more confidence you’ll remain on track to having the lifestyle you want in retirement. A UBS Financial Advisor can have a conversation with you and help you develop a plan to move forward.

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Transitioning to retirement

A financial plan can provide you with a disciplined, dynamic framework for structuring your wealth through this transition, so you can be prepared for the multiples challenges that may lie ahead. It can also guide you in determining specific planning strategies that may help to address your concerns so you can feel more confident about your financial life as you draw closer to, or spend your early years in, retirement.

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Living in retirement

You can create a plan to live out your goals well into retirement by planning prudently with the help of a UBS Financial Advisor. Gain strategies that help manage risk, diversify your portfolio and reallocate your assets as your life needs and circumstances change. A UBS Financial Advisor can help you plan for the future and be more confident your ability to live the life you want in retirement.

IRA information

Steps to roll over your 401(k) to UBS IRA

IRAs and 401(k)s are important elements of a successful retirement and long-term financial plan. As an individual considering a rollover from your employer's 401(k) or other retirement plan to a UBS IRA, it's important that you understand all of your options as well as the costs associated with a UBS IRA. The following UBS documents can help inform your decisions:

Puerto Rico IRA rollover

Steps to roll over your 401(k) to UBS Puerto Rico IRA

IRAs and employer-sponsored retirement plans are important elements of a successful retirement and long-term financial plan. As an individual considering a rollover from your 1081.01(d) plan or other Puerto Rico employer-sponsored retirement plan to a UBS Puerto Rico IRA, it's important that you know all of your options as well as the costs associated with a UBS Puerto Rico IRA. The following UBS documents can help you make informed decisions:

UBS Trust Company of Puerto Rico is the trustee of the UBS Puerto Rico IRA and the UBS Puerto Rico Roth IRA. The UBS Puerto Rico IRA and UBS Puerto Rico Roth IRA provide for penalties upon withdrawal, which are the following: 4%, 3%, 2% and 1% of the amount withdrawn within the first, second, third and fourth year, respectively, from the date of contribution, with such penalty being eliminated aer four years. Such penalties are waived with respect to initial contributions which are invested in shares of common stock of the U.S. Municipal & Income Fund, Inc. ("USMIF") or units of any of the portfolios of the Multi-Select Securities Puerto Rico Fund ("MSSPRF"), both of which are advised by UBS Asset Managers of Puerto Rico, a division of UBS Trust Company of Puerto Rico. Please note that the amounts withdrawn from the UBS Puerto Rico IRA and the UBS Puerto Rico Roth IRA may also be subject to statutory penalties. These statutory penalties could reduce the earnings on your investment. More detailed information about the investments available through UBS Puerto Rico IRA, UBS Puerto Rico Roth IRA, as well as the USMIF and MSSPRF, including applicable sales charges and other fees, costs (plus annual operating expense ratios, when applicable), penalties, investment objectives and policies, risk factors, and the effects of leverage, is further described in the applicable offering and IRA account opening documentation, which you should read carefully prior to making an investment and is available from your Financial Advisor and on our website www.ubs.com/prfunds. Investments in the USMIF and MSSPRF, as well as other investments available through the UBS Puerto Rico IRA and UBS Puerto Rico Roth IRA are not intended to provide a complete or balanced investment program but rather, are one component of a long-term program to accumulate assets for retirement. An IRA investment is not a deposit or obligation of UBS Financial Services Incorporated of Puerto Rico or its affiliates and is not insured by the FDIC, the U.S. Federal Reserve Board, or any other U.S. Government instrumentality. An IRA investment may lose value. UBS Financial Services Incorporated of Puerto Rico and UBS Trust Company of Puerto Rico do not provide legal or tax advice. You should contact your lawyer or tax consultant. This is not an offer, or a solicitation of an offer, to buy or sell any particular investment or a recommendation to roll over your retirement assets into an IRA. Such offering is made only by the corresponding investment's offering documentation.

Wealth Management Services in Puerto Rico are provided by UBS Financial Services Incorporated of Puerto Rico, a registered broker-dealer offering securities, trading, brokerage and related products and services. Member SIPC. Member FINRA

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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 you understand the ways in which we conduct business, and that you carefully read the agreements and disclosures that we provide to you about the products or services we offer. For more information, please review client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS Financial Advisor for a copy.

2024-1518753

Expiration: 4/30/2025 Review Code: IS2402203

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