The Taylor Group
UBS Financial Services Inc.
One Post Office Square, 32nd and 33rd Floors
Boston, MA 02109
2. Guidance You Need. When You Need It.
Information and advice—the right kind shared at the right
time in your life—can help you reach goals with potentially
greater success than you thought possible.
And the more sophisticated your financial life is, the more critical
We can recommend strategic guidance for where you are in your life
today and where you want to be tomorrow. You can rely on us to provide
you with appropriate information and timely guidance for the range of
financial decisions you may face now and down the road.
James W. Taylor Kirsten Ismail
Senior Vice President–Investments Vice President–Investments
Mark Paone, CRPS® Robert J. Mosesian, Jr.
Vice President–Investments Account Vice President
Advisory & Brokerage Services 617-439-8133
Aaron Nardozza David Cavicchio
Financial Advisor Registered Client Service Associate
Registered Client Service Associate
Chartered Retirement Plans SpecialistSM is a service mark and CRPS® is a registered service mark of the
College for Financial Planning®.
3. The Taylor Group team members, from left, Kirsten Ismail, Mark Paone, Jim Taylor, Aaron Nardozza, Robert Mosesian,
David Cavicchio and Jesse Bishop
Focus and Experience
James W. Taylor Jim was recently recognized by Barron’s
Jim is a Senior Vice President– magazine as one of the top Financial
Investments with UBS in downtown Advisors in the United States. He is a
Boston, which he and his team joined member of several industry-related
in 2009. He first founded The Taylor organizations including the National
Group, a seven-person corporate Association of Stock Plan Professionals
services and private wealth (NASPP), the Global Equity Organization
management consortium, while at (GEO) and the Association of
Smith Barney in 1993. The team Professional Investment Consultants
successfully delivers sophisticated, (APIC). Jim is a graduate of Babson
holistic strategies to affluent families College in Wellesley, Massachusetts,
in addition to managing a robust with a bachelor of science degree in
stock plan and corporate retirement finance and investments and serves
services practice. as an active member of the College’s
Board of Trustees. He spends time
Jim works extensively with corporate outside his profession volunteering for
officers and directors regarding their a number of local charities that focus
wealth management needs, including on pediatric oncology research and
liquidity and diversification strategies care. Jim, his wife, Sara, and their two
for concentrated equity positions. He children live in a seaside community
also consults on corporate equity south of Boston.
benefit programs including the
development and implementation
of employee stock option, stock
purchase and restricted stock programs.
4. Kirsten Ismail Aaron Nardozza
Kirsten is a Vice President–Investments Aaron began his career in financial
and Financial Advisor with The Taylor services in 1998 while working for
Group at UBS Financial Services Inc. Smith Barney in New York City. In 2001,
She began her career in the financial he took a position with ING Group in
services industry in 1995 with Merrill Los Angeles as a consultant within their
Lynch before joining The Taylor Group advisory services division. In 2004,
at Smith Barney in 1997. Aaron rejoined Smith Barney as a full-
service Financial Advisor in the Syracuse,
Kirsten works primarily with corporate New York, office and subsequently
executives, business owners and their joined The Taylor Group as a wealth
families to develop, implement and management advisor in Boston in 2008.
monitor a comprehensive and flexible He has developed a true expertise in
financial plan that can be adapted to providing financial planning advice to
today’s ever-changing economic and affluent families. Additionally, Aaron
market environment. She is known for assists in the acquisition and service of
her attention to detail and ability to the team’s corporate and institutional
listen carefully to her clients’ needs. clients.
It is Kirsten’s belief that relationships
do not merely exist but are created He received his bachelor of arts degree
and cultivated through hard work and from Syracuse University in psychology
good communication, and she pledges with a minor in economics.
a lifelong dedication to helping her
clients realize their financial goals. Robert J. Mosesian, Jr.
Robert is an Account Vice President for
Kirsten is a cum laude graduate of UBS Financial Services Inc. He began his
the University of Maine in Orono. She career at Tucker Anthony before joining
regularly attends educational workshops Smith Barney as a Financial Advisor in
and seminars geared toward wealth September of 2000. Robert joined The
management and planning. Kirsten Taylor Group in 2005 where he has
maintains life insurance and variable grown his wealth management practice
annuity licenses in many states across through serving the financial needs of
the country. She is happily married to corporate executives and their families.
her high school sweetheart, Scott, and
loves spending time with their young In order to achieve his clients’ goals,
daughter, Samantha, and their black Robert’s focus is on developing fully
Labrador Retriever, Ranger. In her spare integrated and sophisticated investment
time, Kirsten enjoys reading, traveling strategies. Most of his clients have
and any activity that keeps her multiple aspects to their financial
physically fit. landscape, and much of his work
centers around incorporating
these various pieces into one all-
encompassing comprehensive plan.
Robert graduated from Boston College
with a B.A. degree in finance. He
continues to live in the Boston area
and enjoys golfing, running, yoga and
5. Mark Paone, CRPS® David Cavicchio
Mark is a Vice President–Investments for David is the main contact for all clients’
UBS Financial Services Inc. He has over service requests and administrative
17 years of experience in the financial needs. With 15 years of experience,
services industry, with over 15 years of his organization and efficiency skills
specialized service within the retirement lend themselves to a superior service
plan industry. Mark has worked for experience for the individuals and
financial services organizations such families the Group works closely with.
as MFS Retirement Services, Citistreet David has a reputation for being
Retirement Services and Smith Barney. dependable and is quick to identify
solutions for any requests clients
As a practice leader within The present.
Taylor Group at UBS, Mark is
responsible for providing investment He has a B.A. degree in psychology
advisory, education and planning from Merrimack College. David
services to his retirement plan clients currently resides with his wife, Rachel,
and their employees. In recognition in Chestnut Hill, Massachusetts.
of his experience and expertise in
the subject matter of ERISA, Mark has Jesse Bishop
been appointed a DCA Advisor, thereby Jesse joined the team in 2005 and
granting him authority to act in a has served many roles during his time.
fiduciary capacity for his ERISA clients. He continues to serve as the teams’
ultimate utility man providing assistance
Mark graduated with a B.A. degree for clients and working closely with
in economics from Bates College and the advisors in servicing clients’ needs.
earned the Chartered Retirement Plan His analytical nature is well suited to
Specialist (CRPS®) designation from the identifying solutions for complex service
College for Financial Planning. He is an issues. His ability to assist clients in
active member of the American Society understanding their needs from a
of Pension Professionals and Actuaries service and planning perspective is
(ASPPA). Mark is FINRA Series 6, 7, 31, critical to the advisory relationship the
63 and 65 licensed in all 50 states. He Group has with the individuals and
also maintains his life insurance and families they work with.
variable annuity licenses in the states
of Massachusetts, Connecticut and He has a bachelor of science degree
New Hampshire. Mark resides in a in business administration from the
suburb north of Boston. University of Vermont.
6. Your Future Begins with a Conversation
We take the time to understand
you, your values and what you’d
like your finances to do for you.
Our conversations will focus on helping
you make appropriate financial choices
for today and for the future.
Whether it’s specific goals you have for
yourself, your business, your family or
the legacy you hope to leave behind,
we’ll help ensure that you have access
to our full range of wealth planning,
investment, banking services, and
financing opportunities here in the Growing your wealth
U.S. and globally—all focused on your We understand the importance of
best interests. establishing a firm financial foundation.
Whether you’re planning to purchase
Aligned with these powerful global a home or accumulating assets to start
resources among a comprehensive a business, we’ll work with you to
selection of products and services design a personalized portfolio strategy
available and complete dedication to that reflects your goals, time horizon
you and your needs, we will be your and comfort level with risk. We are
personal advocates throughout your dedicated to helping you pursue your
relationship with UBS. financial goals while providing you with
the highest level of responsive and
The UBS Client Experience
In delivering the UBS Client Experience, our
Financial Advisors take the time to understand
your needs and goals and proactively provide
appropriate solutions. We keep you informed
on a periodic basis, and can monitor and
update strategies, as appropriate, to respond to
ever-changing markets and your evolving needs.
7. Maintaining your lifestyle retirement expenses, fulfill the
Once you have attained a comfortable retirement dreams you hope to make
level of financial security, it may be a reality, keep pace with inflation and
prudent to review and adjust your meet healthcare costs. Together, we can
investment strategy. For example, develop a personalized strategy to help
funding higher education for your fund the retirement you envision.
children or purchasing a second home
may require access to significant capital. Preserving your wealth
However, you may be reluctant to fund Over time, you have planned and
these objectives directly from your invested prudently to build your wealth.
investments. With significant experience We understand how important it is to
in managing cash flow, we can help preserve what you’ve worked so hard
ensure you have access to funds while to achieve. That’s why we will work
still maximizing your investment return. with you to review your investment
plan on an ongoing basis, making
Generating income through adjustments that take into account
retirement factors such as taxes*, inflation and
What does retirement mean to you? unforeseen events that could undo a
Your retirement vision is the basis of lifetime of work. With a clear focus on
your retirement strategy, and we will your future, we will work with you to
spend time exploring the life you preserve your wealth for all you want to
imagine. Then we can assess whether do today and tomorrow.
your retirement assets are sufficient
to generate income for day-to-day
8. Focusing on Your Individuality
From years of listening to our clients, we have developed
our practice with a focus on your specific needs.
Estate planning strategies planning and philanthropic planning
You have spent your life accumulating strategy. You have worked hard to build
assets, and now you want to help your wealth over time, and we want to
secure the future of your loved ones. help you address the needs of those
Together with your professional you care about.
advisors, we focus on identifying
personalized estate planning strategies Wealth management for
that can help minimize the effect of corporate executives
estate taxes* while ensuring that your As a busy corporate executive,
estate will be distributed according to you may find you don’t have the
your wishes. time to focus on the full range of
investment options available to you.
In addition, with the help of our We can help you understand the
nationwide Attorney Network complexities of your personal or
program,** we can introduce you business compensation. Given our
to an independent, experienced trust experience, along with that of a UBS
and/or estate attorney. There are more team of specialists and the full breadth
than 350 attorneys in this established of our firm, we can help you manage
network with no fee for an initial the sale of restricted stock, lump-sum
consultation. With the guidance of distribution strategies, 10b5-1 trading
an experienced attorney, we can help plans and concentrated holdings.
you establish a comprehensive estate
9. Transferring wealth to others Investment strategies tailored to
There are people in your life who you your small business
care about, and you may have one As a small business owner, it’s
or more favorite causes you want to important that you work with a
support financially. How do you balance firm that understands the financial
caring for yourself, your loved ones and requirements, risks and rewards of a
making a difference in your community small business. We are familiar with
or the world at large? And how can strategies for meeting start-up costs and
you position your assets to continue overhead charges, as well as funding
providing financial support after you’re capital expenditures. We can help you
gone? grow your business by appropriately
balancing your investment and liquidity
Together with our team of dedicated needs and providing you with access to
specialists in strategic estate planning, current account information at all times.
wealth transfer and gifting techniques,
we can help you identify personalized Financial guidance for women
financial strategies to support the Given greater opportunities in the
people and causes you care about workplace, longer life expectancies and
while continuing to provide for your multiple work-life demands, we
own needs now and in the future. understand that women seek financial
Working with your attorney and other guidance now more than ever before.
professionals, we can determine how That’s why we are committed to
these strategies can also reduce the helping you address your unique
impact of taxes on your estate.* financial challenges and opportunities.
Drawing on our experience and insight
into working with women, we can help
develop personalized investment
strategies that address your goals and
help you make confident financial
decisions for today and for the future.
* Neither UBS Financial Services Inc. nor any of its employees provide legal or tax advice.
You must consult with your legal or tax advisor regarding your personal circumstances.
** Attorneys in the Attorney Network program are independent of, and unaffiliated with,
UBS Financial Services Inc.
10. Corporate Employee Financial Retirement planning strategies
Services In delivering the UBS Client Experience,
Our Corporate Employee Financial we will take the time to understand
Services (CEFS) group provides your needs to help you identify
comprehensive and flexible stock appropriate solutions and will monitor
benefit plan services for companies and update strategies as appropriate to
and their employees. In addition to respond to ever-changing markets and
administering stock option, stock your evolving needs. Accordingly, we
purchase and restricted stock award will work with you to: identify and help
plans for more than 80 corporate you understand your retirement plan
clients, CEFS delivers a flexible range program needs, propose programs and
of services designed to meet the unique solutions for your consideration and
needs of our clients. These services review, implement a retirement plan
include innovative products, quality program, once selected, and help you
customer service, employee education review your plan’s investments to help
and in some areas, access to assure that they continue to meet your
professional advice and guidance. expectations and those of your
11. UBS: Our Global Strength.
Your Individual Vision.
As a UBS client, you benefit from the experience of one
of the world’s leading wealth management firms.
We have been serving affluent Our relationship with you
individuals, corporations, institutions Our work ethic is simple and powerful.
and governments for over 150 years. It is based on the value of collaboration.
Through our teams of professionals We work side by side with our clients,
around the globe and their diverse taking the time to understand their
expertise across a range of disciplines, individual needs and goals and the
we are committed to helping each dreams they have for themselves, their
client realize their own vision for families and their future. This deep
financial success. understanding, combined with the
powerful global resources we are
able to access on your behalf, lay the
foundation for your relationship with