The Taylor Group Brochure


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The Taylor Group Brochure

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The Taylor Group Brochure

  1. 1. ab The Taylor Group UBS Financial Services Inc. One Post Office Square, 32nd and 33rd Floors Boston, MA 02109 888-284-3209
  2. 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 information becomes. 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 617-439-8131 617-439-8137 Mark Paone, CRPS® Robert J. Mosesian, Jr. Vice President–Investments Account Vice President Advisory & Brokerage Services 617-439-8133 617-439-8132 Aaron Nardozza David Cavicchio Financial Advisor Registered Client Service Associate 617-439-8134 617-439-8136 Jesse Bishop Registered Client Service Associate 617-439-8135 Chartered Retirement Plans SpecialistSM is a service mark and CRPS® is a registered service mark of the College for Financial Planning®. 2
  3. 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. 3
  4. 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 the beach. 4
  5. 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. 5
  6. 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 personalized service. 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. 6
  7. 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 7
  8. 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 8
  9. 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. 9
  10. 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 employees. 10
  11. 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 UBS. 11
  12. 12. UBS Wealth Management Research UBS Wealth Management Research is dedicated to providing the information and insights you need to make informed financial decisions. Backed by the international resources of one of the world’s leading wealth management firms, we have developed a global network of analysts who conduct research on markets and trends relevant to individual investors. And at UBS, you have direct access to these experts through our team†. Important Information about Advisory & Brokerage Services It is important that you understand the ways in which UBS Financial Services Inc. (UBS) conducts business and the applicable laws and regulations that govern the firm. As a firm providing wealth management services to clients in the U.S., UBS is registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser and a broker-dealer, offering both investment advisory and brokerage services. Though there are similarities among these services, the investment advisory programs and brokerage accounts UBS offers are separate and distinct, differ in material ways and are governed by different laws and separate contracts. It is important that you carefully read the agreements and disclosures UBS provides to you about the products or services offered. While UBS strives to ensure that these materials clearly describe the nature of the services provided, please do not hesitate to contact your Financial Advisor team, The Taylor Group, if you would like clarification on the nature of your accounts or services you receive from us. For more information, please visit our web site at † Two sources of research are available to UBS Financial Services Inc. clients. One source is written by UBS Wealth Management Research (WMR). WMR is part of UBS Global Wealth Management & Business Banking (the UBS business group that includes, among others, UBS Financial Services Inc. and UBS International Inc.), whose primary business focus is individual investors (Private Clients). The other source is written by UBS Investment Research. UBS Investment Research is part of UBS Investment Bank, whose primary business focus is institutional investors. The Private Client report style, length and content are designed to be more easily used by Private Clients. Because both sources of information are independent of one another and reflect the different assumptions, views and analytical methods of the analysts who prepared them, there may exist a difference of opinions between the two sources. Neither the Institutional report nor the Private Client report is necessarily more reliable than the other. The various research content provided does not take into account the unique investment objectives, financial situation or particular needs of any specific individual investor. If you have any questions, please consult your Financial Advisor. UBS Wealth Management Research is provided by UBS Financial Services Inc. and UBS AG. UBS Financial Services Inc. is a subsidiary of UBS AG. ©2010 UBS Financial Services Inc. All Rights Reserved. Member SIPC. All other trademarks, registered trademarks, service marks and registered service marks are of their respective companies. 18064440 UBS Financial Services Inc. is a subsidiary of UBS AG.