Private Wealth Management The Clifford Barnowski Group Real experience. Custom solutions.
We recommend our clients look for these four attributes in a Financial Advisor: integrity, good judgment, relevant experience and dedication. We strive to live these qualities every day. Chris Clifford
Managing all of your financial needs For more than a decade The Clifford Barnowski Group has been building solid, enduring client relationships. We advise and serve entrepreneurs, senior executives at public and private companies, venture capitalists and private equity professionals who want a dedicated team to manage their family s wealth in line with their greater purpose. With the complexity of today s markets and uncertainty about tomorrow s economy, families of significant means rely on us because of our integrity, demonstrated good judgment, relevant experience and dedication. Whether you are navigating life s milestones, managing business transitions such as an IPO or M&A transaction, or planning your legacy, we will provide realistic guidance that adapts to your needs. Aligning your family s wealth with your goals and values Our approach starts with you. We take the time to understand the complexity of your family s entire wealth picture. We then develop practical strategies that are aligned with your goals and values so that we can help you make prudent financial decisions. We do not shy away from asking tough questions, and we provide candid advice. We keep you engaged in the investment process in the way that best suits your needs and commitments. Through personally tailored recommendations, we focus on finding the right opportunities for helping to achieve your goals. Providing comprehensive wealth management advice, service and implementation Creating connections is central to our practice. In addition to the unparalleled global investment resources within UBS, our team is supported by experts in financial planning, estate and trust strategies, lending and mortgages, philanthropy and insurance. Consequently, we are adept at providing advice on any financial situation and implementing the appropriate strategy. Working closely with our network of experts and advisors, we can incorporate all perspectives into one integrated approach. This enables us to provide genuine, comprehensive wealth management advice and service to our clients. We always are looking at how we can best add value to your life. We align with your goals, access the resources of UBS, and give real advice so you have an informed landscape of what s possible. Michael Barnowski
Personalized service dedicated to building close client relationships We limit the number of clients to ensure we continue to provide exceptional service. Because of the type of clients we advise, we have the broad experience and specific expertise necessary to handle complex financial needs. The unique needs of entrepreneurs and business owners We work with a select number of entrepreneurial-minded clients who trust our judgment and value our ability to speak knowledgeably about their professional ventures. We address the full cycle of private business needs from venture funding through the complexities of selling your business or taking it public, including: Impact of stock options (ISOs, NQSOs), RSUs, Founders Stock and QSBS Pre-IPO planning M&A planning Benefit and compensation plans Income and estate tax planning and strategies Concentrated stock management and diversification Individuals and families with wealth transfer opportunities We address every family financial issue ranging from retirement to wealth transfer to philanthropy. We focus on your entire financial situation, providing proven practices for helping to safeguard and build your family s wealth, including: Financial planning and cash flow analysis Trust and estate planning strategies Tax minimization strategies Succession and legacy planning Donor advised funds, private foundations, charitable trusts and philanthropic services Customized asset allocation Investment management Facing life s transitions We are trusted by individuals and families to deal with their most sensitive financial issues, whether that means planning for a growing family, educating and protecting future generations, or managing the financial impact of a divorce or the loss of a loved one. Because we know what is important to our clients and understand what they want to accomplish, we are able to plan ahead and implement the necessary strategies during and after major life events, including: Income and cash projections Managing wealth for the first time Modeling alternative financial scenarios Family financial dynamic issues
Unparalleled resources available to Private Wealth Management clients Our firm s 150-year history of working with affluent families provides us with insights and understanding into the complexities of wealth. As your needs evolve, we have established relationships with these select partners: Portfolio Advisory Group Working with PAG, an exclusive service available to Private Wealth Advisors, we can tailor highly sophisticated portfolio structuring solutions for you. PAG specializes in partnering with our top-ranked research team to develop dynamic asset allocations along with the quantitative analysis that supports those choices. Open architecture We provide clients access to a wide-range of index funds and a network of leading portfolio managers whom we ve chosen and vetted over time from a diverse industry pool. Their broad expertise covers all asset classes and includes both traditional and nontraditional asset management. Be assured that our recommendations are based entirely on what works best for your circumstances. UBS Investment Bank Our deep connections within UBS AG have provided us with important access to opportunities within the UBS Investment Bank. Using these strategic relationships, we are well positioned to help your company raise capital for acquisitions and growth, and provide advisory services to corporate boards. UBS Private Bank Broader capabilities of the UBS Private Bank include multicurrency trading and other global investment channels, such as foreign exchange, spot and forward currency transactions, currency options, and time deposits in major and minor currencies. At The Clifford Barnowski Group, we understand that wealth management is not just about resources. It s about how we use those resources with insight, dedication and integrity.
The Clifford Barnowski Group UBS Financial Services Inc. Private Wealth Management 555 California Street, 32nd Floor San Francisco, CA 94104 Fax 855-202-0484 ubs.com/team/cbgroup Chris Clifford Senior Vice President Investments 415-963-5277 cj.clifford@ubs.com Michael Barnowski Vice President Investments 415-963-5247 mike.barnowski@ubs.com 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 advisor 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. For more information, visit our website at ubs.com/workingwithus. UBS 2012. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG. Member SIPC. BRO_PWM_9x12_CliffordBarnowski UBS Financial Services Inc. ubs.com/privatewealthmanagement Private Wealth Management is a division within UBS Financial Services Inc., which is a subsidiary of UBS AG.