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Yael Dresdner Promo-Corporate

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Evolution of strategic marketing and creative ideas that transform into effective corporate communications, exceeding expectations in terms of both business and creative objectives

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Yael Dresdner Promo-Corporate

  1. 1. “We are fortunate to work with Yael, our designer “on-call” for several years. With her creative and imaginative approach, she has helped shape the organization’s message, image and products for the U.S. market. We have collaborated on a range of projects, all to bring a consistent message to the public. Yael’s exacting standards have always brought us the best possible results.” “Adele Goldberg Executive Director, Friends of Yad Sarah “Yael has a real talent for meshing her graphic design with content strategy. She is a designer who really works to understand the larger strategy that motivates her projects, and is a great listener and collaborator to boot.” “Stephanie Monahos Director, Wealth Planning Marketing, UBS “Yael worked as the creative energy behind many of the marketing campaigns my team led at UBS. Her creativity, attention to detail, ability to take complex financial topics and demonstrate them for a reader contributed to the success of my projects. She is also capable of participating in discussions with a wide range of clients and in presenting conceptual ideas that can be easily understood to those without a creative background. She has been a collaborative partner and is has been a pleasure to work with her.” “Mary Mokris Marketing Director, UBS “Yael’s strength is in her ability to under- stand complex content and create thoughtful, intelligent, creative solutions. Yael asks the right questions, presents multiple solutions and welcomes feedback. She is dedicated to outstanding design and partnership in getting there. She is a true professional and a pleasure to work with.” “Rena De-Levie Vice President, Marketing Operations, Talbots (formerly Creative Operations Consultant, UBS) I’m a lover of color and form—but always use them to advance strategic thinking. I explore and anticipate needs of clients so that I am better informed and can propose solutions that answer business and creative needs on target, on schedule and within budget. I approach projects analytically, then enhance the concepts with creative and emotionally- engaging visuals. My attention to details is such that I spot mistakes missed by seasoned proofreaders. My mechanicals leave no room for second-guessing. I have collaborated with clients in a variety of sectors, including financial services, NGOs, arts organizations and publishing companies. I would welcome the opportunity to collaborate with you. yael dresdner design
  2. 2. Art direction / Design / Production / Vendor relations (Brand building) Create client-facing e-vites, website promo boxes, logos, promotional collateral, ads and brochures. The client’s brand guidelines allow for extensive visual explorations. B2B ad ISE, the world’s largest equities options exchange and leading provider of enhanced market data products, offers a wealth of proprietary quote and trade data for options that trade at the ISE. ISE DEpth of MarkEt fEED. Real-time data feed of aggregated volume for all quotes and orders at each of the top five price levels, including customer quantity. Provides transparency beyond the BBO and helps subscribers improve trading efficiency by identifying additional liquidity. ISE SprEaD Book fEED. Access all multi-legged strategies on our order book of up to four option legs and one stock leg. Includes instrument data, spreads ratio, order quantity and net price. This consolidated real-time view of complex orders offers transparency not available anywhere else. alSo avaIlaBlE • ISE Put/Call trade data to identify bullish/bearish market direction • Historical OPRA Tick Data back to June 2005 for in-depth analysis and back-testing ISE top QuotE. This real-time feed will provide our fastest BBO quote by taking advantage of our enhanced low-latency architecture. Get a competitive edge by making your trading decisions quicker. ISE MarkEt Data FEEDS To learn more abouT ISe markeT DaTa, vISIT www.ISe.com/markeTDaTa comIng Fall 2009 The ISE globe logo and International Securities Exchange® are trademarks of the International Securities Exchange, LLC. Copyright 2009, International Securities Exchange, LLC. All rights reserved. lIquIDITy TranSparency low laTency corporate stories International Securities Exchange (Financial services) The International Securities Exchange (ISE) operates the world’s largest equity options exchange and offers options trading on over 2,000 underlying equity, ETF, index, and FX products.
  3. 3. (Brand building) A series of 14 promo boxes that invite visitors to the ISE website to learn more about various financial products and trading mechanisms. The chosen colors are bright enough to highlight the promo boxes without over-powering the rest of te web page. www.ise.com corporate stories International Securities Exchange
  4. 4. Web page redesign, including new chart grid and icons E-vite design for ISE clients/members events corporate stories International Securities Exchange
  5. 5. Art direction / Design / Production / Vendor relations (Brand building) Premier credit lines direct mail campaign Treatment A suggests the calm and luxurious lifestyle that is afforded by the use of Premier credit lines. The (extremely!) horizontal format connotes balance. Strategic review of both sides of your personal balance sheet may prompt you to shift investments, consolidate debt, improve cash flow, adjust risk exposure or free up cash to take advantage of timely opportunities: • Make year-end tax payments • Create tax-advantaged charitable contributions • Fund holiday plans or luxury purchases • Reinforce annual gifting or estate-planning strategies • Buy discounted goods or properties from cash-strapped sellers • Add liquidity to your business A UBS Credit Line, Home Equity Loan or Standby Letter of Credit can give you immediate access to the funds you need today – without triggering an asset sale or disrupting an underlying investment strategy. Talk to your Financial Advisor about how borrowing against securities in your UBS investment account can move you closer to your financial goals. How do you find balance? Work and play. Save and splurge. Act and reflect. With balance comes opportunity. In our personal and financial lives. corporate stories UBS Financial Services Inc. (Financial services) UBS is one of the world’s largest managers of private wealth. The company has offices all over the globe.
  6. 6. (Brand building) Premier credit lines direct mail campaign Treatment B suggests that the use of Premier credit lines can help in balancing one’s assets and liabilities. The square format connotes support. How do you find Balance? ab Life is a series of moments in which we continuously strive for balance. Save or spend. Work or play. Diet or indulge. The same is true of our financial lives. A strategic review of assets and liabilities may prompt you to shift investments, consolidate debt, improve cash flow, adjust risk exposure or free up cash to take advantage of timely opportunities: • Make year-end tax payments • Create tax-advantaged charitable contributions • Fund holiday plans or luxury purchases • Buy discounted goods, services or properties from cash-strapped sellers • Add liquidity to your business’s balance sheet • Reinforce annual gifting or estate planning strategies Or, execute any other of a wide range of financial rebalancing moves. Borrowing against securities in a UBS invest- ment account – or taking advantage of a UBS Home Equity Loan or UBS Standby Letter of Credit – can give you immediate access to funds with- out triggering an asset sale or disrupting an underlying investment strategy. Talk to your UBS Financial Advisor about the many ways we can help you strengthen your personal bal- ance sheet and move closer to your financial goals. corporate stories UBS Financial Services Inc.
  7. 7. (Brand building) The business objective of the Foreign exchange brochure was to present to American investors the newly-available exposure to global foreign exchange markets. The creative aimed to capture the excitement of 24/7 trading that Forex offers while explaining complex financial instruments in simple and clear charts. It is important that you understand the ways in which we conduct business and the applicable laws and regulations that govern us. As a firm providing wealth management services to clients in the U.S., we are 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 we offer 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 that we provide to you about the products or services we offer. While we strive to ensure the nature of our services is clear in the materials we publish, if at any time you seek clarification on the nature of your accounts or the services you receive, please speak with your Financial Advisor. For more information, please visit our website at www.ubs.com/workingwithus. Foreign exchange. It’s the world’s largest marketplace... and you participate in it every day. Consider how many retail items you purchase that are either manufactured or assembled in a foreign country. Your U.S. dollars flow back to those countries where the value of your dollar is measured against their local currency—in euros, pounds, pesos, yen or dozens of other currencies. Foreign currencies are traded every minute, in every major city around the globe. Fluctuations in exchange rates offer investment opportunities beyond traditional asset classes. Investors seeking alternatives to traditional asset classes are turning to foreign exchange for its attractive return potential and diversification opportunities. With low correlation to equities and fixed income, an allocation to foreign currencies can help lower portfolio risk and provide an opportunity when there’s uncertainty in other markets. Globalization at work Fueled by modern technology Foreign exchange is one of the world’s most actively traded and fastest-growing financial markets. Trade in the global currency markets has soared due to technological advances in satellite communications, trading platform infrastructure and direct access to the market. It’s a highly liquid, global marketplace that allows you to react quickly to changing market conditions, and offers investment opportunities beyond traditional asset classes. 1 Expand your investment horizons in the world of foreign exchange in billions of USD 0 1992 1995 1998 2001 2004 2007 500 1,000 1,500 2,000 2,500 3,000 3,500 Source: Bank for International Settlements (BIS), International Monetary Fund (IMF) and UBS Wealth Management Research (WMR), as of November 17, 2007 Average daily foreign exchange turnover 1992 – 2007 The foreign exchange market has tripled in size over the past 15 years. On an average day, $3.2 trillion is traded worldwide—that’s roughly 50 times greater than all the world’s stock markets combined—the equivalent of every person on earth trading over $500 per day. Think globally—diversify your portfolio with foreign currencies While most investors have diversified their portfolios among asset classes, some are diversifying globally by allocating a targeted amount of their portfolio to foreign exchange. That’s because the foreign exchange market typically performs independently from stock and bond markets. The benefit of this low correlation is that poor performance in one asset can be offset by better performance in another, minimizing potential losses in the portfolio and allowing capital to grow steadily over the long run. Investing in the foreign exchange market and adding the right amount of foreign currency exposure can improve the return potential of your portfolio, reducing its overall risk. The illustration below demonstrates how foreign exchange strategies can be integrated into a traditional portfolio to provide the right amount of currency exposure for your short- or long-term investment objectives. Foreign exchange can be integrated easily into your portfolio Typical portfolio allocation Generally, portfolios have a mix of fixed income, equity, cash and non-traditional asset classes, such as real estate, private equity, hedge funds and commodities. Adding a foreign exchange component Foreign exchange investments can be added to your portfolio in much the same way as you would add bonds to fixed income or stocks to equities. Short-term investments like foreign currency-linked yield enhancement strategies, or long-term investments like principal protected currency baskets, can be added to improve overall return potential. CashNTAC* Equity Fixed Income CashNTAC* Equity Fixed Income Foreign Exchange Investments * Non-traditional asset classes, including real estate, private equity, hedge funds and commodities For illustrative purposes only. This hypothetical example is not intended to provide specific advice or recommendations. 2 Managing foreign exchange exposure though currency overlay Currency overlays neutralize the portfolio’s existing exposure to exchange rate fluctuations. It is the active management of currency exposure resulting from any foreign-denominated assets you may already be holding. Currency Overlay CashNTAC* Equity Fixed Income CashNTAC* Equity Fixed Income 1 A currency basket is a group of currencies whose weighted average is used to determine the value of another currency. Opportunities for investors of every risk profile Today’s foreign exchange market offers investors a broadening range of tactical investment opportunities to suit all risk profiles. The rapid growth and innovation of the types of investment instruments allows you to easily add a foreign currency component to your portfolio to take advantage of rising, falling or stagnant market conditions. For example, instruments such as 100% principal protection investments linked to foreign currency baskets1 offer simultaneous exposure to a number of currencies with no downside exposure at maturity. Likewise, if you wanted to accept a measured degree of foreign currency risk, you could invest in yield enhancement strategies which combine market exposure with enhanced return potential. Allocating a portion of your portfolio to foreign currencies allows you to systematically diversify into foreign exchange while remaining aligned with your risk profile and investment objectives. Foreign Exchange Enhance Your Portfolio Through the World of Foreign Currencies ab3 corporate stories UBS Financial Services Inc.
  8. 8. (Brand building) MasterCard-to-American Express direct mail campaign Promoting a new UBS American Express credit card to current UBS MasterCard holders. Peter Godfrey, Amex Head of Global Network Services, liked it so much that he shared this creative at a global conference he was hosting. ab Say ‘Yes’ to superior features, services and rewards with the UBS American Express® Card. You want simplicity. Your life demands flexibility—and smart, easy- to-use cash management options that keep your money working for you. You’ll have more of what you want when you exchange your UBS MasterCard® for the UBS American Express® Card. Simply fill out the enclosed Acceptance Certificate and return it in the envelope we’ve provided today, or call us toll-free any time at 877-318-2250. More flexibility, more simplicity. Purchasing power The UBS American Express Card functions as a delayed debit card. Make a purchase and the cost will be deducted from your UBS Resource Management Account® (RMA® ) at the end of the month.1 So your money works for you as long as possible. Easy cash access You can use your Card to access available cash in your account at more than 600,000 ATMs and retail locations coast to coast and around the world. A rewards program that gives you a world of possibilities. You’ll accumulate rewards points faster: • 25,000 bonus points when you make your first eligible purchase on your UBS American Express Card by October 1, 20072 • 1 point for every dollar spent; and 50% more points when you charge airline, rail and cruise tickets and car rentals • All rewards points—plus those earned on any other UBS cards— are all combined in a single “points bank.” And you won’t lose any of your UBS MasterCard points.3 The Card designed for your lifestyle. You’ll experience these and other distinctive advantages with your UBS American Express Card: • Concierge help any time day or night for hard-to-get dining reservations, theater and event tickets, gift ideas and event planning • Travel protection, including emergency medical assistance, auto rental collision damage waiver, baggage delay protection and travel insurance4 • Extended warranty and purchase assurance coverage4 • Emergency card replacement if yours is lost, stolen or damaged. ‘My Choice Rewards’… for exactly what you want. Redeem your rewards points for virtually anything you can buy with your UBS American Express Card— airline travel, art at a gallery auction, a weekend in Paris and more! Buy what you like, whenever and wherever you like, then call us to redeem your points toward the cost (minimum purchase $200). Or, redeem your points for rewards or for gift cards you can use at dozens of nationally known merchants. Please Note: When you accept the UBS American Express Card, we will close your current UBS MasterCard account and transfer any outstanding balances to your new American Express account within the UBS Resource Card Program. Please destroy your UBS MasterCard upon activation of your new UBS American Express Card, as it will no longer work. You will need a new Personal Identification Number (PIN) for your new UBS American Express Card. A new PIN will be mailed to you, and you can also set a custom PIN when you call to activate. If you have any automatic E-mail payments associated with your UBS MasterCard account, please promptly notify merchants or service providers and advise them that your account information has changed. If you need any assistance, please call the UBS Resource Card Program at 800-762-1000. 1 Purchases are not automatically deducted from your account until the 26th of each month (or the business day closest to it), allowing your funds to keep working for you up to an additional 30 days, even though your available funds are reduced on a real-time basis. However, your purchases are limited to the available funds balance in your RMA. 2 An eligible purchase is defined as a purchase made at a merchant to tender payment for a good or a service. An ATM withdrawal does not qualify as an eligible purchase. There is no minimum purchase amount required to qualify for the 25,000 bonus points. Your first purchase must be made by October 1, 2007. Your bonus points will be awarded by October 30, 2007, and will appear on your October 2007 month-end account statement. 3 Rewards points cannot be consolidated across multiple RMAs. Points will expire and be forfeited 5 years from the date the earned points post to your monthly statement. Points will be redeemed and expired on a first-in, first-out basis. 4 Subject to terms and conditions as described in the Benefits and Rewards Guide, which will be mailed to your home 1 to 2 weeks after your new UBS American Express Card. Use it by October 1, 2007, and earn 25,000 bonus points! UBSFinancialServicesInc. www.ubs.com/financialservicesinc 070612-2026 UBSFinancialServicesInc.isasubsidiaryofUBSAG. ab ©2007UBSFinancialServicesInc.AllRightsReserved.MemberSIPC. Yes, you can have a better Card. TheRMAisabrokerageaccount.ResourceManagementAccountandRMAareregisteredservicemarksofUBSFinancialServicesInc. AmericanExpressisafederallyregisteredservicemarkofAmericanExpressandisusedbyUBSpursuanttoalicense.TheUBSAmericanExpressCard isissuedandadministeredbyBarclaysBankDelaware.MasterCardisaregisteredtrademarkofMasterCardInternationalIncorporated. UBS Financial Services Inc. is a subsidiary of UBS AG. ab Primary Cardholder Name On the Account IF A JOINT ACCOUNT, Secondary Cardholder Name on Account Address Address Address City, ST 00000 Dear Primary Cardholder Name: There’s never been a better time to participate in the UBS Resource Card Program: When you accept a new UBS American Express® Card (as a replacement for your existing UBS MasterCard® ) you enter a world of more Card benefits, and all the services and rewards of the UBS Resource Card Program. Plus, you get easy access to the available cash in your Resource Management Account® (RMA® ) and 25,000 bonus points with your first eligible purchase.1 A quick, easy way to earn 25,000 bonus points! Just say YES and reply today. When your new UBS American Express Card arrives, use it to make your first purchase by October 1, 2007, and you’ll get 25,000 bonus points! You don’t lose any points. Your current UBS MasterCard points are yours to keep.2 They will be added to the 25,000 bonus points you earn when you make your first purchase with your new UBS American Express Card. Points with every purchase. With your new UBS American Express Card, you’ll earn 1 point for every $1 you spend on eligible purchases. Even better, you’ll earn 1.5 points per $1 when you buy air, rail or cruise tickets or rent a car (lodging and dining are not eligible). That’s just one way the UBS American Express Card rewards you—50% more points for eligible travel purchases. It’s new! “My Choice Rewards” for exactly what you want. As a member of the UBS Resource Card Program, you can redeem rewards points for just about anything you can buy with your UBS American Express Card. Buy whatever you like, anywhere you like—golf or flying lessons, a new watch, birthday presents, even airline tickets—and call us to redeem your points toward the cost (minimum purchase $200). We’ll deduct the points from your account and credit the purchase price on your RMA statement. Or you can redeem points as you always have, choosing from hundreds of top brand-name items and gift cards in the Benefits and Rewards Guide. A Card that makes more sense. The UBS American Express Card makes more sense for your everyday cash and shopping needs. And it’s free with your RMA. It works like your UBS MasterCard—immediate access to your cash at ATMs and direct access to the spending power of available funds in your account, with delayed debit for purchases.3 Over, please… Say YES to a new UBS American Express® Card and earn 25,000 bonus points with your first eligible purchase!1 UBS American Express® Card Acceptance Certificate Earn 25,000 bonus points when you make your first eligible purchase by October 1, 2007.1 ab ©2007UBSFinancialServicesInc.AllRightsReserved.MemberSIPC. UBS Financial Services Inc. www.ubs.com/financialservicesinc 070615-2068 UBS Financial Services Inc. is a subsidiary of UBS AG. 1 An eligible purchase is defined as a purchase made at a merchant to tender payment for a good or a service. An ATM withdrawal does not qualify as an eligible purchase. There is no minimum purchase amount required to qualify for the 25,000 bonus points. Your first purchase must be made by October 1, 2007. Your bonus points will be awarded by October 30, 2007, and will appear on your October 2007 month-end account statement. 2 Subject to terms and conditions as described in the Benefits and Rewards Guide, which will be mailed to your home 1 to 2 weeks after your new UBS American Express Card. Please Note: When you accept the UBS American Express Card, we will close your current UBS MasterCard account and transfer any outstanding balances to your new American Express account within the UBS Resource Card Program. Please destroy your UBS MasterCard upon activation of your new UBS American Express Card, as it will no longer work. You will need a new Personal Identification Number (PIN) for your new UBS American Express Card. A new PIN will be mailed to you, and you can also set a custom PIN when you call to activate. If you have any automatic payments associated with your UBS MasterCard account, please promptly notify merchants or service providers and advise them that your account information has changed. If you need any assistance, please call the UBS Resource Card Program at 800-762-1000. American Express is a federally registered service mark of American Express and is used by UBS pursuant to a license. The UBS American Express Card is issued and administered by Barclays Bank Delaware. MasterCard is a registered trademark of MasterCard International Incorporated. The RMA is a brokerage account. Resource Management Account and RMA are registered service marks of UBS Financial Services Inc. ab Yes, I want… • 25,000 bonus points • Points with every purchase • “My Choice Rewards”2 • Easy cash access • Free concierge service • More travel protection2 • One convenient “points bank” To accept your new UBS American Express® Card as a replacement for your current UBS MasterCard® and to join the UBS Resource Card Program, please complete and return this entire Acceptance Certificate in the postage-paid envelope or call us toll-free any time at 877-318-2250 today. When your new UBS American Express Card arrives in 1 to 2 weeks, make your first eligible purchase by October 1, 2007, to earn 25,000 bonus points.1 Please fill in for account ID and security purposes: Social Security Number __ __ __- __ __ - __ __ __ __ Home Phone: __ __ __- __ __ __ - __ __ __ __ Date of Birth: __ __- __ __ - __ __ __ __ Mother’s Maiden Name (maximum 10 characters): Please print your name here exactly as you want it to appear on your new UBS American Express Card: If this is a joint account and you want an additional card, please print the Secondary Cardholder’s name here exactly as you want it to appear on the new UBS American Express Card: This Acceptance Certificate is not transferable and must be signed by the person to whom it is addressed. By signing this Acceptance Certificate, I certify and acknowledge that: I am accepting a UBS American Express Card issued by Barclays Bank Delaware located in Wilmington, DE, and I request that the card be issued to me; I am at least 18 years of age; I have read and agreed to all the Terms and Conditions; and everything I have stated in this Acceptance Certificate is true and correct. I understand that Barclays Bank Delaware has the right to obtain a current credit report in connection with their review of this application, and that Barclays Bank Delaware or UBS Financial Services Inc. may call me in connection with this application or for other matters relating to this account. I agree that Barclays Bank Delaware and UBS Financial Services Inc. may share information to the extent needed to process my application and as described in the UBS American Express Card Terms and Conditions. Signature Date See information on reverse. Primary Cardholder Name On the Account IF A JOINT ACCOUNT, Secondary Cardholder Name On the Account Address Address Address City, ST 00000 corporate stories UBS Financial Services Inc.
  9. 9. (Brand building) UBS Global Strength Branch Loop Prepared for the lobbies of specialized branches for ultra high net-worth clients, the loop was intended to strengthen brand loyalty among clients. Story: Sequence of five themes conveys the UBS global strength, punctuated by You Us Time: 2.5 minutes (three seconds/image), continuous loop Sound: None Image Style: Varying perspectives, vantage points and foci add energy to the presentation Sequence 1: Strategic insight Images of recognizable landmarks/ vistas in various countries: Global presence Sequence 2: Global reach Images of UBS buildings in various countries: Local presence Sequence 3: Understanding Highlighting the client/financial advisor relationships: Global You Us Sequence 4: Commitment to excellence Involvement in the arts/communities shown via images of music/orchestras: Commitment to community Sequence 5: Collaboration Involvement in the arts/communities shown via images of golf, Alinghi: Commitment to teamwork ab You Us You Us You Us You Us Strategic insights Global Strength Understanding Commitment to excellence Collaboration corporate stories UBS Financial Services Inc.
  10. 10. (Professional development/internal) Managed and art-directed a shoot requested by UBS headquarters in Zurich. For the filmed interview, I advised Ms. Rowland on make-up and clothing. To frame the shots properly, I created a cleaned-up office backdrop by using various items from adjacent offices. Valery Rowland, Manager, Branch Operations Responding to five questions provided by the client corporate stories UBS Financial Services Inc.
  11. 11. (Brand building) This brochure promotes the 360,° holistic nature of UBS’ wealth planning services for individual investors. I combined black white and color photography to create a scrapbook feeling and add emotional depth. The imagery hints at the possibilities available to those with well-managed wealth. It is important that you understand the ways in which we conduct business and the applicable laws and regulations that govern us. As a firm providing wealth management services to clients in the U.S., we are 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 we offer 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 that we provide to you about the products or services we offer. While we strive to ensure the nature of our services is clear in the materials we publish, if at any time you seek clarification on the nature of your accounts or the services you receive, please speak with your Financial Advisor. For more information, please visit our website at www.ubs.com/workingwithus One essential conversation 1For Internal Use Only Managing your wealth through planning What is important to you? At UBS, that’s where our conversation begins. Helping you find those answers is what the relationship between you and us is all about. Because the better we understand how you envision your future, the better we can help you shape it. And our approach is a simple one: We align our experienced team of Financial Advisors with powerful resources to help you plan for your most meaningful milestones and all you hope your future can be. How exactly do we work with you? We ask many questions. And listen carefully to your answers. Questions about your lifestyle today and the lifestyle you hope to live years from now. Where you’d like your children to attend college, or the level of care and comfort you hope to offer your aging parents. We can also ask about the challenges you face in your financial life, and we’re confident this is where we bring to bear our deep understanding and expertise. You’ve worked very hard to get to this point in your life. You’re committed to protect all you’ve built. Through sound advice and wealth planning, we can partner with you to help you protect against those things— taxes, unforseen events, lack of information, for example—that could undo a lifetime of work. It all begins with one essential conversation. We invite you to have that conversation with us. Neither UBS Financial Services Inc. nor its employees provide tax or legal advice. You must consult with your tax and/or legal advisors regarding your personal circumstances. 2 Each decision impacts your wealth plan For Internal Use Only Over time, as your financial needs become more complicated, you might find that you have engaged a number of advisors for guidance, and made decisions based on separate conversations and different points of view. At UBS, we’re here to help you see the 360-degree view of how every financial decision impacts the others and can work together to address your needs. We engage in a complete financial planning process that analyzes the different areas of your financial life simultaneously. Using appropriate strategies for your unique circumstances, we then create organization and focus to your financial picture. The separate conversations you’ve had become integrated and you’ll discover that each individual decision works in concert with the rest toward meeting your life goals. Estate Attorney Investment Professional Wills and Trusts Investment Portfolio Insurance Professional Attorney Insurance Policies Business Continuation Planning Banker CPA Mortgages/Liabilities Income Taxes Human Resources Corporate Benefits Over time, working with multiple advisors results in separate conversations. We’re here to help you see the bigger picture. Neither UBS Financial Services Inc. nor its employees provide tax or legal advice. You must consult with your tax and/or legal advisors regarding your personal circumstances. 3 Planning for Client Goals and Objectives Retirement Investment Estate Closely Held Businesses Corporate Benefits Liabilities Education Funding Insurance Wealth Planning Goals and Objectives We can help you integrate these conversations and create organization and focus for your distinct financial picture. ab Managing your wealth at UBS One essential conversation corporate stories UBS Financial Services Inc.
  12. 12. (Brand building) This Manager Research Group white paper aims to explain long/short equity investing strategies. The target audience is both institutional and individual investors. The creative challenge was to make the multitude of tables and charts (all designed and produced by me) unique and clear. HFRI Equity Hedge Index vs. SP 500 Index: Comparing Downside Risk Fear of losing money in an investment, as we have seen, drives a lot of investor behavior, including the possibility that investors will sell an investment after it drops in value, even if that doesn’t make sense based on other information, such as the company’s financial fundamentals. Experiencing downside volatility may make an investor less comfortable holding an investment. That’s a prime reason those investors should consider certain types of long/short strategies—those designed to provide some protection against downside volatility. The next chart supports the suggestion that many long/short strategies provide some downside risk protection, through the introduction of shorting, by comparing monthly returns over a 10-year period of the HFRI Equity Hedge Index of 1,400 long/short portfolios and the SP 500 Index. The HFRI Index is the best available to represent the performance of long/short portfolios over an extended period. However, it does suffer from, among other weak- nesses, survivorship bias. This means that it reflects the performance of hedge funds that did well enough to remain viable and report results. Less successful funds may have simply closed their doors and thus their offsetting poor performance may not be reflected in the HFRI measure. To describe the results of the chart below, two areas have been highlighted. The orange-bracketed area highlights the greater concentration of HFRI Index monthly returns 11 More returns for HFRI Index in this range 0% 5% 10% 15% 20% 25% 30% 35% Below -13 -13 to -11 -11 to -9 -9 to -7 -7 to -5 -5 to -3 -3 to -1 -1 to +1 +1 to +3 +3 to +5 +5 to +7 +7 to +9 Above +9 Range of Monthly Returns (%) %ofMonthlyReturnsFallinginRange HFRI Equity Hedge Index SP 500 Index Higher occurrence of negative returns for SP 500 Index Comparing downside risk: HFRI Equity Hedge Index vs. SP 500 Index % Distribution of Monthly Returns from January 1994 through December 2003 The SP 500 Index is an unmanaged, weighted index comprising 500 widely held common stocks varying in composition and is unavailable for direct investment. The HFRI Equity Hedge Index (the HFRI Index) is an equal-weighted index of 1,400 funds whose investing style consists of a core holding of long equities hedged at all times with short sales of stocks and/or stock index options (to offset at least part of the funds’ downside exposure to traditional market indices). The chart shows the distribution of monthly returns from the two indexes for 120 months (January 1994 through December 2003). The HFRI Index is not available for direct investment and, given its diverse nature, there is no reason to believe that any individual fund would have performed or will perform in an identical manner to the HFRI Index. The example assumes reinvestment of all divi- dends and capital gains. The HFRI Equity Hedge Index monthly returns are net of management and performance fees but may not include placement fees. Placement fees are a one-time front- end sales charge paid to the placement agent. The SP 500 Index performance does not reflect transaction costs. The hypothetical example is for illustrative purposes only. Past performance is no guarantee of future results. Source: Russell Mellon Analytical Services, HFRI Series. 13 Source: Russell Mellon Analytical Services HFRI Series. -$10,000 $0 $10,000 $20,000 $30,000 $40,000 $50,000 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 HFRI Equity Hedge Index SP 500 Index Cumulative HFRI - SP 500 Flat or Sideways Market—HFRI Index keeps pace with or potentially out- performs market, depending on stock selection Strong Bull Market—HFRI Index is not expected to fully keep pace with market because less than 100% net long; strong stock selection could lead to outperformance Bear Market—HFRI Index provides some protection; outperformance generally expected versus market Performance over time for HFRI Index vs. SP 500 Index Growth of $10,000 from January 1994 through December 2003 The SP 500 Index is an unmanaged, weighted index comprising 500 widely held common stocks varying in composition and is unavailable for direct investment. The HFRI Equity Hedge Index is an equal-weighted index of 1,400 funds whose investing style consists of a core holding of long equities hedged at all times with short sales of stocks and/or stock index options. The HFRI Index is not available for direct investment and, given its diverse nature, there is no reason to believe that any individual fund would have performed or will perform in an identical manner to the HFRI Index. The example assumes reinvestment of all dividends and capital gains. The HFRI Equity Hedge Index monthly returns are net of management and performance fees but may not include place- ment fees. Placement fees are a one-time front-end sales charge paid to the placement agent. The SP 500 Index performance does not reflect transaction costs. “HFRI-SP 500” is the cumulative difference. The hypothetical example is for illustrative purposes only. Past performance is no guarantee of future results. The long/short investor has more ways to manage risk. While some strategies attempt to increase a portfolio’s return by accepting an increased level of risk, other strategies focus on managing downside risk. If implemented appropriately, these long/short strategies may help manage volatility sufficiently to mitigate the influence of emotional behavior in investing decisions. Long/short equity strategies can be implemented through a variety of investment vehicles, such as certain mutual funds, hedge funds and specialized managed accounts. For more information on whether a long-only or a long/short equity strategy might be appropriate for your portfolio, talk with your Financial Advisor. 16 Appendix Calculations for table on page 10. The table below shows the calculations that result in the cell values shown in the table on page 10. We believe showing the calculations will enable you to better grasp the way a long/short portfolio uses a mismatch on investment style, when compared to a long-only portfolio manager also using a mismatch. The math is simple, but in describing a long/short portfolio at 60% net long, the calculation is performed by multiplying performance of the long side by 100% and adding it to the product of the short side times 40%. Note that a market move in one direction results in an opposite move in the short side. So if the market moves up, the long side shows a +% while the short side shows a -%. Style Weights Style Weights Style Neutral Overweight Growth Style Neutral Overweight Growth Growth 50% Value 50% Growth 70% Value 30% Growth 50% Value 50% Growth 30% Value 70% Scenario 1: 2.00% 2.00% 2.00% 2.00% -2.00% -2.00% -2.00% -2.00% Growth X 50% X 50% X 70% X 30% X 50% X 50% X 30% X 70% (+2%) --------- --------- --------- --------- --------- --------- --------- --------- and value 1.00% + 1.00% 1.40% + 0.60% -1.00% + -1.00% -0.60% + -1.40% (+2%) ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– perform 2.00% 2.00% -2.00% -2.00% same Scenario 2: 8.00% -4.00% 8.00% -4.00% -8.00% 4.00% -8.00% 4.00% Growth X 50% X 50% X 70% X 30% X 50% X 50% X 30% X 70% (+8%) --------- --------- --------- --------- --------- --------- --------- --------- outperforms 4.00% + -2.00% 5.60% + -1.20% -4.00% + 2.00% -2.40% + 2.80% value ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– (-4%) 2.00% 4.40% -2.00% 0.40% Scenario 3: -4.00% 8.00% -4.00% 8.00% 4.00% -8.00% 4.00% -8.00% Value X 50% X 50% X 70% X 30% X 50% X 50% X 30% X 70% (+8%) --------- --------- --------- --------- --------- --------- --------- --------- outperforms -2.00% + 4.00% -2.80% + 2.40% 2.00% + -4.00% 1.20% + -5.60% growth ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– (-4%) 2.00% -0.40% -2.00% -4.40% Long Only/Long Side Short Only/Short Side Sce Gr (+2 an (+2 pe sa Sce Gr (+8 ou va (-4 Sce Va (+8 ou gro (-4 Source: Manager Research Group, UBS Financial Services Inc. All figures based on hypothetical example. 17 Style Weights Style Neutral Overweight Growth Long Side (100%) Short Side (40%) Long Side (100%) Short Side (40%) Growth 50% Value 50% Growth 50% Value 50% Growth 70% Value 30% Growth 30% Value 70% enario 1: 2.00% 2.00% -2.00% -2.00% 2.00% 2.00% -2.00% -2.00% rowth X 50% X 50% X 50% X 50% X 70% X 30% X 30% X 70% 2%) --------- --------- --------- --------- --------- --------- --------- --------- nd value 1.00% + 1.00% -1.00% + -1.00% 1.40% + 0.60% -1.40% + -0.60% 2%) ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– erform 2.00% -2.00% 2.00% -2.00% me X100% X40% X100% X40% --------- --------- --------- --------- 2.00% + -0.80% 2.00% + -0.80% –––––––––––––––––––––––––––––––––––––––––––––––– –––––––––––––––––––––––––––––––––––––––––––––––– 1.20% 1.20% enario 2: 8.00% -4.00% -8.00% 4.00% 8.00% -4.00% -8.00% 4.00% rowth X 50% X 50% X 50% X 50% X 70% X 30% X 30% X 70% 8%) --------- --------- --------- --------- --------- --------- --------- --------- utperforms 4.00% + -2.00% -4.00% + 2.00% 5.60% + -1.20% -2.40% + 2.80% alue ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– 4%) 2.00% -2.00% 4.40% 0.40% X100% X40% X100% X40% --------- --------- --------- ----------- 2.00% + -0.80% 4.40% + 0.16% –––––––––––––––––––––––––––––––––––––––––––––––– –––––––––––––––––––––––––––––––––––––––––––––––– 1.20% 4.56% enario 3: -4.00% 8.00% 4.00% -8.00% -4.00% 8.00% 4.00% -8.00% alue X 50% X 50% X 50% X 50% X 70% X 30% X 30% X 70% 8%) --------- --------- --------- --------- --------- --------- --------- --------- utperforms -2.00% + 4.00% 2.00% + -4.00% -2.80% + 2.40% 1.20% + -5.60% owth ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– ––––––––––––––––––– 4%) 2.00% -2.00% -0.40% -4.40% X100% X40% X100% X40% --------- --------- --------- --------- 2.00% + -0.80% -0.40% + -1.76% –––––––––––––––––––––––––––––––––––––––––––––––– –––––––––––––––––––––––––––––––––––––––––––––––– 1.20% -2.16% 100% Long/40% Short Investment Insight Volume 1, Issue 1 February 2005 White Paper Series A publication from the Manager Research Group ab Long/short equity strategies can be constructed to aim for potentially higher levels of return, which may come at the expense of higher risk. Such strategies can also be used to help manage downside risk and preserve capital. Long/ short equity investing may seem complex, but its foundation is simple: holding stocks long and selling stocks short in a single portfolio. Through the selection and weightings of the long and short positions, long/short equity strategies give managers a range of ways to potentially add return to a portfolio beyond what the market may provide. Note that italicized words are defined in the glossary at the end of the paper. The Importance of Investment Strategy One of the keys to investing is selecting the right invest- ment strategy. While many investment managers focus on long-only equity investing to help pursue their objectives, others, valuing greater flexibility in constructing portfolios and the ability to deal with a variety of market environ- ments, use long/short equity investing. The first part of this paper briefly reviews the tools long- only equity investing provides to manage risk in the pursuit of return. Long-only equity investing, for the purposes of this paper, means ownership of stocks. Owners benefit if the price of the stock rises, and lose if the price falls. Equity shareholders can also take part in corporate decisions and receive dividends. The paper next discusses long/short equity investing. In a long/short equity strategy, long positions in equities are combined with short positions in equities to create a single portfolio. Short positions benefit from a fall in the price of the investment that has been sold short and lose money if Long/Short Equity Investing Client Profiling Review Investment Proposal Solution Agreement Implementation Client/ Financial Advisor The four-step consultative process is the foundation of our Firm. In support of this process, the Manager Research Group is dedicated to evaluating investment managers to help you make more effective manager-selection decisions. corporate stories UBS Financial Services Inc.
  13. 13. Cover design for FA Monthly, an internal magazine aimed to educate and inspire the brokers in the field offices June 2008 Powering Your Next Client Conversation ab Enhancing the Client Experience with Teamwork E-blast template designs corporate stories UBS Financial Services Inc.
  14. 14. Invitations to various exclusive events Impressionist and Modern Art ab We are pleased that you will be joining us for a cocktail reception and exclusive preview with Kate Reibel, Specialist, Impressionist and Modern Art Thursday, October 5 6:00 – 8:00 p.m. Christie’s 20 Rockefeller Plaza New York City The Impressionist and Modern Art auction will take place November 8. If you are unable to attend, please contact Lauren Gigante at 201-352-7834. Impressionist and Modern Art UBS Financial Services Inc. is a subsidiary of UBS AG. A Special Evening of Cocktails and Dinner at Craft restaurant 4032 PWM LA Invit v1 ver:4032 PWM LA InvitV v1 1/5/09 7:04 PM Page 2 corporate stories UBS Financial Services Inc.
  15. 15. Art direction / Design / Production (Brand building) Working within established corporate branding guidelines and templates, I created elegant charts that were clear and easy on the eyes. 2 Insight | White Paper Today’s top executives need precise, actionable information from all corners of the organization available at a moment’s notice, with critical insights into sales and product marketing data being key. Historically, finance and marketing have not worked closely. That is changing radically. In the near future, organizations will be under intense pressure to make changes that will result in actionable, on-demand information about marketing performance. BearingPoint’s exclusive survey of chief financial officers and chief marketing officers reveals that executives are responding to this pressure by forging new bonds, merging analytical and creative skill sets to build strong and productive relationships, thereby helping their companies improve performance and achieve growth. Insight | White Paper 3 A new perspective on C-level cooperation The role of the chief financial officer (CFO) is in flux, with many CFOs taking larger roles in the marketing and customer strategies of their organizations. Finance and marketing require key analytical information to judge financial and operational performance, motivating a handful of companies to go so far as to appoint a CFO as their new chief marketing officer (CMO). However, establishing a close working relationship between the two C-level positions—with interactions on a weekly, or even daily, basis—is more common. Fueling this trend is an ongoing convergence of the finance and marketing functions, driven largely by changing business models and the need for marketing information with more specificity at the highest levels. Thus, CFOs and CMOs are merging analytical and creative skill sets to build strong and productive relationships, helping their companies improve performance and achieve growth. An exclusive BearingPoint survey of CFOs and CMOs from global companies in the technology, communications and media industries reveals that this relationship is viewed as productive by both executives, but opportunities for improvement exist. CFOs cite two keys to stronger and more productive relationships with CMOs: • Clearly defined marketing and customer metrics • A culture of collaboration Relationships between CFOs and CMOs will most likely become more important in the near future. A trend toward shorter C-level tenures will help accelerate the adoption of practices encouraging closer collaboration. Furthermore, CFOs are under pressure to take a more active role in improving overall company performance, driving them to get more involved in marketing. The promise of business efficiency motivates this collaboration, which affects the bottom line through revenue growth, cost reduction, and development of accurate, real-time information for decision making. Today’s CFOs proactively support marketing efforts and customer strategies, such as product portfolio analysis, while keeping an eye on marketing return on investment (ROI) and overall performance. Fostering quality information exchange For a comprehensive snapshot of this new brand of organizational collaboration, BearingPoint undertook a survey of top finance and marketing executives in technology, communications and media industries. This research was designed to show how CFOs support marketing and customer strategies and the quality of information exchange between CFOs and CMOs. This research produced four central findings: 1. CMOs want more participation from CFOs 2. CMOs more than CFOs are taking steps to improve their relationship 3. Common barriers must be overcome 4. CMOs and CFOs are aware of the key information requirements for collaboration and execution of marketing and customer strategies Finance and marketing require key analytical information to judge financial and operational performance, motivating a handful of companies to go so far as to appoint a chief financial officer as their new chief marketing officer. 4 Insight | White Paper The information gap The CFO’s role is changing from that of a decision supporter to a business partner in information management. More than 55 percent of CMO respondents said they were satisfied with the reporting processes and tools, marketing vendor management, and market and customer planning activities. However, they need more information from CFOs related to customer segmentation and profitability analysis, marketing ROI, and critical real-time data for marketing. Yet, more than 70 percent of the CFOs surveyed said they are providing customer segmentation and profitability analysis and critical real-time information for marketing (Figure 1). Clearly, a disconnect exists between the information CFOs think they are providing and the information needs of CMOs. Figure 1 shows a strong perception gap between what CFOs and CMOs say the CFO is currently providing. Driving the relationship Eighty percent of CMO respondents agreed or strongly agreed that forging a stronger tie with the CFO has value, and, in turn, almost 70 percent of CFOs responded similarly. But far more CMOs are taking steps to improve the relationship with finance than the reverse (Figure 2). Because most of the CFOs surveyed see finance as already participating in the majority of activities related to marketing and customer strategy information management, it is likely that they see less urgency in pursuing additional activities. Technology, Communications and Media CMO: currently participating CFO: currently participating Percentage of respondents 0% 20% 40% 60% 80% 100% Marketing spend decision making Providing reporting tools and processes Offering critical, real-time information that supports marketing Delivering customer segmentation and profitability analysis Improving marketing return on investment and performance Figure 1. Comparison of CFO and CMO participation in common activities Insight | White Paper 5 In our survey, far more CMOs than CFOs said they were proactively improving their relationship with their finance/marketing counterparts. So what is driving these CFOs and CMOs to work together? More than 60 percent of all finance and marketing respondents said they are collaborating to achieve three key business objectives: increase revenue, reduce costs and bottom-line effects, and develop accurate, real-time information for marketing. They also see additional areas requiring better information and collaboration. More collaboration is needed in designing new technologies to support finance and marketing requirements, including globalization to expand market share, competitive differentiation, and cross-functional training in finance and marketing acumen (Figure 3). Figure 3 is a sampling of response rates for various business drivers that CFOs and CMOs say are currently fostering collaboration. CMO: taking steps to improve relationship with CFO CFO: taking steps to improve relationship with CMO Percentage of respondents 0% 20% 40% 60% 80% 100% Strongly agree Agree Figure 2. Relationship between finance and marketing CMO top business drivers CFO top business drivers Percentage of respondents 0% 20% 40% 60% 80% 100% Increase revenue and top-line growth Reduce cost and bottom-line impact Develop accurate, real-time information for decision making Design new technologies to meet marketing and financial requirements Differentiate to be more competitive Improve cross- functional training Globalize to expand market and customer share 30%10% 50% 70% 90% Figure 3. Comparing top CFO and CMO business drivers for collaboration Insight | White Paper In this white paper The ups and downs of mining 3 Achieving sustainable growth 3 Attaining operational excellence 4 Effectively managing commodity distribution 6 Improving enterprise performance management 7 Capitalizing on opportunities 7 Commercial Services Meeting today’s mining challenges: weathering the downturn while preparing for the next boom corporate stories BearingPoint (Management technology consulting)
  16. 16. Art direction / Design (Client relations) Three design solutions for an invitation to the annual Cognito summer party for financial sector clients and prospects. Monday, June 9, 2008 6:00 – 9:00 p.m. Brasserie 81 /2 9 West 57th Street (Between 5th and 6th Avenues) Closest Subway Stops: 57th St. (6th Ave.) – F 57th St. (7th Ave.) – N, Q, R, W Please R.S.V.P. to rsvp@cognitomedia.com or call +1.646.495.5550 www.cognitomedia.com Monday, June 9, 2008 6:00 – 9:00 p.m. Brasserie 8½ 9 West 57th Street (Between 5th and 6th Avenues) Closest Subway Stops: 57th St. (6th Ave.) – F 57th St. (7th Ave.) – N, Q, R, W Please RSVP to rsvp@cognitomedia.com or call +1.646.495.5550 www.cognitomedia.com Monday, June 9, 2008 6:00 – 9:00 p.m. Brasserie 81 /2 9 West 57th Street (Between 5th and 6th Avenues) Closest Subway Stops: 57th St. (6th Ave.) – F 57th St. (7th Ave.) – N, Q, R, W Please R.S.V.P. to rsvp@cognitomedia.com or call +1.646.495.5550 www.cognitomedia.com You are invited to launch the summer season Celebrate Summer with Cognito June 9th Cocktails and canapés will be served Celebrate summ You are invited to launch the summer season with Co June 9 Cocktails a Celebrate Summer You are invited to launch the summer season with Cognito June 9 Cocktails and canapés will be served Celebrate Summer You are invited to launch the summer season with Cognito June 9 Cocktails and canapés will be served You are invited to launch the summer season Celebrate Summer with Cognito June 9th Cocktails and canapés will be served corporate stories Cognito (PR, Marketing Communications)
  17. 17. Creative direction / Design / Production (Identity development) Creating logos that represent a company’s positioning and personality. Celebrating 40 years of Serving Puerto Rico Celebrating 40 years of Serving Puerto Rico Celebrating 40 years of Serving Puerto Rico BERMUDA H o t e l A s s o c i a t i o n corporate stories Logos
  18. 18. 917.757.0094 123 W 93rd Street, Suite 7D, New York, NY 10025 yaeld@mindspring.com www.linkedin.com/in/yaeldresdner yael dresdner design

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