A simple answer UBS Retirement Plan Manager program Investment management for your plan
Simplicity makes it manageable Helping to lead and manage a business can be rewarding, both emotionally and financially. There is tremendous satisfaction in contributing to a business s success and providing financial security for your employees. Offering an employee benefit, such as a qualified retirement plan, may help you attract and retain your best talent because it shows your appreciation for the contribution your employees make to the business. But as a retirement plan sponsor and fiduciary, you are responsible for making important decisions that can affect you and your plan participants. Today s environment makes it more challenging than ever to ensure your retirement plan is being managed appropriately. Are you fulfilling all your fiduciary duties? Do you have time to properly select and review investment options? Or do you need to hire someone to make investment decisions for your plan? UBS Retirement Plan Manager is an advisory program that offers discretionary investment management with UBS acting as an investment manager under ERISA Section 3(38). UBS Retirement Plan Manager can help provide the investment management experience of UBS to manage the investment options you offer employees in your participant-directed retirement plan and reduce your fiduciary burden so you have more time to dedicate to business. 2 of 8
? What does it mean to be a fiduciary? By offering a qualified retirement plan, you provide your employees with a significant benefit. At the same time, you have substantial fiduciary responsibilities to the plan under the Employee Retirement Income Security Act (ERISA) and other rules and regulations. That includes fiduciary responsibility in selecting and monitoring investments for your retirement plan. Conducting the necessary diligence and making prudent investment decisions for your retirement plan can be challenging and time-consuming. By choosing UBS Retirement Plan Manager, UBS takes on fiduciary status and assumes responsibility for the investment management of your plan helping to reduce your fiduciary burden. 3 of 8
Experienced professionals on your side Simplify investment management with our team Ranked as one of the top wealth Provides services for 10,000+ managers in the world 1 retirement plans Over $100 billion in plan assets 2 UBS Retirement Plan Manager helps provide the investment management and resources of the world s largest wealth management firm. 3 The program s investment menu is developed by two UBS groups working in concert. They vet, research, select and monitor the funds for your plan. Investment Manager Research (IMR) Team 10 Investment professionals 2 Quantitative analysts 900+ Fund managers reviewed 700+ Meetings and discussions with portfolio managers annually Investment Management Investment Committee (IMIC) Consists of a diverse group of members from across our broader Investment Management team. Makes decisions based on IMR research to determine the funds to be included in the investment menu. The IMIC also conducts ongoing reviews to ensure that investments stay aligned to your plan s objectives. 4 of 8 1 Euromoney, Best Bank for Wealth Management as part of the Awards for Excellence Global Awards, 2018. 2 Source as of 06/30/2018 based on UBS reporting. Includes defined contribution, defined benefit and nonqualified deferred compensation plans served through our Institutional Consulting and Retirement Plan Consulting Services programs. 3 Scorpio Partnership s Global Private Banking Benchmark 2017 rank of global wealth managers by assets under management. Please click on the following link to view: http://www.scorpiopartnership.com/benchmark-2017.
You may not have time available to dedicate to managing the investments in your retirement plan, and we are here to help. Our rigorous, six-step investment management process Identify IMR analysts follow a structured process to narrow down the universe of managers, identifying specific styles and sub-styles that fit their research mandate. Analyze The team reviews survey responses from candidates, reconciling data on their organizational structure, people, idea generation, investment process, portfolio and performance. Understand Face-to-face meetings and phone calls with portfolio managers are among several methods IMR uses as part of its qualitative evaluations. Verify The group engages in robust peer review through regular team meetings to examine, discuss and challenge all analysts recommendations. Decide The Investment Management Research Committee (IMRC) reviews the research and recommendations from IMR and votes on any additions/removals. In order to get added to or removed from the investment lineup, the proposal must go before the Investment Management Investment Committee (IMIC), which has the final say on all investment decisions. Monitor Investments are monitored on an ongoing basis to verify they continue to meet the objectives of the program. 5 of 8
A selection of plan providers Investment selection is a critical part of any retirement plan, but it isn t the only part. Simplifying your day-to-day plan management is just as important. That s why UBS Retirement Plan Manager is available through a list of third-party retirement plan providers. It allows you to select a provider that best meets the needs of your plan. Some of the features offered by these providers include: Easy employee enrollment Plan administration portal Payroll integration Secure, online account access Ongoing participant education Regular progress reports We offer the UBS Retirement Plan Manager through top plan providers ADP BPAS* Empower Retirement** Newport Group Paychex Transamerica Vanguard Voya Financial Uncertain as to which plan provider to choose? We can help you request more information from providers to allow you to identify one that s a good fit. 6 of 8 * Available to plans in Puerto Rico only. ** Available to all plans, including Puerto Rico.
Right for you We re happy to help you better understand UBS Retirement Plan Manager. Together we can identify the key features you re looking for and how UBS can help. It s that simple. 7 of 8
UBS Retirement Plan Manager is an investment advisory program. Details regarding the program including fees, services, features and suitability are provided in the Form ADV Disclosure, available from your Financial Advisor. Accolades are independently determined and awarded by their respective publications. Accolades can be based on a variety of criteria including assets under management, revenue, compliance record, length of service, client satisfaction, type of clientele and more. Neither UBS Financial Services Inc. nor its employees pay a fee in exchange for these ratings. Past performance is no guarantee of future results. For more information on a particular rating, please visit ubs.com/us/en/designation-disclosures. This document is for informational purposes only and is not intended as, and should not be considered or construed to be, investment advice or legal advice. UBS and its representatives do not provide legal or tax advice. Plan sponsors are responsible for ensuring their plan s compliance with applicable rules and regulations, including, where applicable, compliance with the Employee Retirement Income Security Act of 1974 ( ERISA ) and the Internal Revenue Code. Plan sponsors are responsible for all decisions regarding plan design and plan administration, including the adoption of any plan document and investment policy, the designation of default investment alternatives, mapping and converting plan assets, providing participant notices, adhering to applicable administrative requirements, and any decision to enter into the UBS Retirement Plan Manager program, as well as an ongoing duty to monitor the program. Plan sponsors should consult with their legal advisor for advice regarding their precise duties, responsibilities and liabilities in specific situations. Investments options for the program will be limited to those investments that have been reviewed by UBS and which are available on the plan provider s platform. Clients may not restrict or select specific investment options within the program and may not offer investment options that are not included on the program investment menu (with the exception of employer securities, self-directed brokerage windows and certain frozen accounts). If a Client elects to include such investment options, UBS s services will not include a review of the investment performance or recommendations regarding whether a plan should offer or continue to offer any such investments as an investment option under the plan and UBS will not include the value of any such investments when calculating its fees. UBS Retirement Plan Manager is available only to eligible clients through select third-party retirement plan providers and custodians that have agreed to provide services in support of the program. Clients are responsible for the selection of a plan provider; the plan s assets will not be custodied at UBS nor will UBS execute transactions for the plan or provide information regarding plan holdings and values. Important information about advisory and brokerage services As a firm providing wealth management services to clients, we offer both investment advisory and brokerage services. These services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. For more information on the distinctions between our brokerage and investment advisory services, please speak with your Financial Advisor or visit our website at ubs.com/workingwithus. UBS 2018. All rights reserved. The key symbol and UBS are among the registered and unregistered trademarks of UBS. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC. For plan sponsor use only. Not for participant distribution. UBS Financial Services Inc. ubs.com/fs 2018-46357 8 of 8