UBS Advice Advantage is a digital service that features UBS analytics and advice, including portfolio diagnostics on your investments at UBS and held away, as well as the ability to create goals. This broker-dealer service is available to you free of charge. It also provides access to the UBS Advice Portfolio Program
, a new, "digital" discretionary investment advisory program in which UBS manages your assets for an asset-based fee. You do not have to enroll in the Program in order to use the free service.
The UBS Advice Advantage digital service is powered by technology from SigFig Wealth Management.
The My Total Picture service enables UBS to retrieve information about your non-UBS accounts (“Outside Accounts”) at your direction from the other financial institutions' websites. The service is provided for your convenience and information only. Unless we agree in writing otherwise, UBS does not provide advice or recommendations with respect to your Outside Accounts and is not responsible for activity or transactions you conduct in your Outside Accounts. UBS does not verify the holdings, valuations or other information we receive about your Outside Accounts. UBS Financial Services Inc.'s SIPC coverage and supplemental SIPC insurance only apply to eligible assets held by UBS Financial Services Inc.
The FGA report is based on various assumptions including financial information, personal preferences and other information provided by the client. The report details the assumptions upon which the plan is based. Important: The projections and other information generated by FGA regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.
Use of the UBS Wealth Management USA app and UBS Financial Services app are subject to terms and conditions. Other restrictions may also apply. Certain products, functionalities and services described herein or contained or otherwise made available via these apps may not be available to all clients or in all jurisdictions.
These apps are available via iPhone and iPad only and are provided free of charge to clients of UBS. The information you include in these app are for your personal use only. UBS will use your responses to personalize your digital experience, but will not update client records unless you confirm the information with your Financial Advisor.
UBS account statements are the only official record of your UBS accounts. Information about external accounts you set up in My Total Picture is provided for your convenience and information only. UBS does not verify or reconcile the holdings, valuations or other information we receive about your external accounts or provide valuations of the assets or liabilities held in your external accounts. UBS Financial Services Inc.'s SIPC coverage and supplemental SIPC insurance only apply to eligible assets held by UBS Financial Services Inc. Unless we agree in writing otherwise,
UBS does not provide advice or recommendations with respect to your external accounts and is not responsible for activity or transactions you conduct in your external accounts.
UBS Financial Services Inc. is not a bank, and its securities accounts provide access to banking services and products through arrangements with affiliated banks and other third-party banks.
iPad, iPhone and and Apple Pay are registered trademarks of Apple Inc.
Android and Google Pay are trademarks of Google LLC.
1Only individual, Roth IRA, rollover IRA and traditional IRAs are eligible.
2The products and services described are provided by the firms mentioned herein and not by UBS Financial Services Inc. or its affiliates (”UBS”). UBS makes no representations or warranties with respect to any product or service offered by the firms mentioned, and UBS will have no input concerning such products and services. UBS and the firms mentioned are independent of each other and do not have an agency, partnership or employment relationship, and UBS may not act for or bind the firms mentioned in any manner. All applications or requests for products or services must be made directly with the firms mentioned and are subject to their internal review and approval process.
About UBS Bank USA Products
UBS Bank USA Core Savings is not intended for clients who need to have frequent access to their funds. UBS Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from UBS Bank USA Core Savings in excess of five (5) withdrawals in a calendar month. Applicable fees may reduce your earnings. For these purposes, a withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Core Savings, which may not be the same day on which you place an order for the withdrawal with your Financial Advisor. These fees will be posted to your UBS account the business day following the excess withdrawal. You may incur a withdrawal fee even if the withdrawal is involuntary such as if a withdrawal is made by UBS to meet a margin call.
Please review carefully the UBS Bank USA Core Savings disclosure statement available at ubs.com/coresavingsdisclosure. Deposits in UBS Bank USA Core Savings, together with all other deposits at UBS Bank USA, are insured by the FDIC up to $250,000 (including principal and accrued interest) for each insurable ownership capacity (e.g., single, joint) in which you hold the deposits. For purposes of FDIC insurance, your deposits will be aggregated with your other deposit balances at UBS Bank USA in the same ownership capacity, including any Certificates of Deposit, and deposits through the UBS Bank Sweep Programs and UBS FDIC Insured Deposit Program. You are responsible for monitoring the total amount of your deposits at UBS Bank USA in order to determine the extent of FDIC deposit insurance coverage.
UBS Financial Services Inc., as your agent and custodian, will open a deposit account on your behalf with UBS Bank USA, Member FDIC. UBS Bank USA Core Savings is available only to individuals, nonprofit entities and U.S. governmental entities and is not available for all advisory accounts, certain business accounts and certain international accounts. UBS Bank USA Core Savings is available for purchase through an account at UBS Financial Services Inc., an affiliate of UBS Bank USA, and standard account fees apply.
Excluding promotional offers, UBS Bank USA Core Savings has a multi-tier rate structure. At the end of a promotional term, variable tiered rates on the deposits in UBS Bank USA Core Savings will apply. Interest accrues daily and pays monthly. View rates at ubs.com/coresavings. Rates and rate tiers may change at any time without prior notice
UBS Bank USA is a subsidiary of UBS AG. UBS Bank USA, Member FDIC, NMLS no. 947868. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA. Member SIPC.
Conflicts of interest
UBS Bank USA uses the cash balances in deposit accounts to fund new lending and investment activity. The bank profits by the difference between the interest paid to clients and the costs associated with deposits, and the interest and other income earned by the bank on its loans, investments and other assets. The bank improves profits when it pays lower interest rates on deposits. You should be aware that alternative cash equivalent investments that are managed by UBS affiliates or by third parties, or that are otherwise available on the UBS platform (such as US Treasury securities), are also available for investment by clients. At times, these alternatives pay a higher yield than the interest rates paid on UBS Core Savings. Such alternative investments may not be insured by the FDIC or protected by SIPC.
About UBS Financial Services Inc. products
The Resource Management Account (RMA) and Business Services Account BSA are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer and a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). UBS Core Savings is a deposit account, not an security, and is not protected by SIPC. An explanatory brochure is available upon request or at sipc.org. The RMA and Business Services Account BSA accounts provide access to banking services and products through arrangements with affiliated banks and other third-party banks, and provides access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc. UBS Financial Services Inc. and/or its Financial Advisors may receive compensation in connection with deposit products.
Investment, insurance and annuity products: Not FDIC insured • No bank guarantee • May lose value
Important information about brokerage and advisory services.
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 about the products or services we offer. For more information, please review client relationship summary provided atubs.com/relationshipsummary.
2024UBS. All rights reserved. The key symbol and UBS are among the registered and unregistered trademarks of UBS. UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member FINRA/SIPC.
Expiration:12/31/2023 Approval date:12/16/2022 Review Code:IS2207204
