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Your Relationship with UBS

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Your Relationship with UBS June 2021 Your relationship with UBS Understanding our approach, services, fees, compensation and conflicts of interest You can obtain a paper copy of this booklet and any other disclosure referenced in this booklet free of charge by contacting your UBS Financial Advisor or by calling us toll free at 888-525-7454. The information in this booklet is current as of the date on the cover and we reserve the right to change our programs, fees and payment structures at any time. We will notify you of any material changes we make. You should review this document carefully, retain it with your records and refer to it when you receive recommendations from us. Table of contents Introduction .................................................................. 5 Part two: Table of contents ...................................... 19 Part one: Understanding our approach, services, Introduction ............................................................... 21 fees, compensation and conflicts of interest .............. 6 Part two: Understanding fees, compensation Our Financial Advisors ..................................................... 6 and conflicts of interest—by product ........................ 22 Our investment approach ................................................. 6 Annuities and insurance ................................................. 22 Investment recommendations ......................................... 7 Banking products ........................................................... 27 Brokerage and advisory services: Individual securities, options, precious metals Understanding the differences .......................................... 7 and municipal securities ................................................. 33 Our advisory and brokerage services ................................. 9 Investment company products ........................................ 42 Important limitations ...................................................... 10 Alternative investments ................................................ 47 Important information for retirement plan Corporate Cash Management ...................................... 49 fiduciaries holding accounts at UBS .............................. 11 Brokerage account and administrative fees .................... 50 Financial Advisor compensation ...................................... 12 Advisory programs and financial planning services ......... 53 Conflicts disclosure ......................................................... 14 Modifications since last publication date of March 2021 On page 13, the Compensation to Financial Advisors in the UBS Wealth Advice Center section was clarified to reflect that UBS Wealth Advice Center Financial Advisors receive an annual salary and are also eligible to earn both quarterly incentive awards and an annual discretionary incentive compensation award. There is no cap on the incentive award, with the most common awards being approximately 50% of the average salary. On page 13, the Compensation for Branch Managers, Complex Directors and Market Heads section was revised to reflect modifications to the compensation programs. On page 15, the Revenue sharing in connection with mutual funds and annuities section was modified to reflect that Financial Advisors receive 0.04% per year on ticketed money market funds (not sweep funds). On page 22, the Annuities and Insurance section was updated to reflect fee range changes and to clarify that Financial Advisors are not permitted to recommend annuity products from insurance companies that have not been reviewed, evaluated and approved by UBS. On page 30, Compensation UBS receives from third parties under the UBS Deposit Account Sweep Programs section was modified to reflect the service fees that UBS receives from each participating non-UBS Bank in the UBS FDIC-Insured Deposit Sweep Program. On page 31, the Puerto Rico Sweep Program section was modified to reflect that UBS Financial Services Incorporated of Puerto Rico will merge into its parent company, UBS Financial Services Inc. on or about July 31, 2021 and that the Puerto Rico Sweep Program was suspended effective May 13, 2021. On page 33, the Conflicts of interest section under Equity securities was clarified to reflect that although UBS does not accept payment for order flow from our affiliates or other broker-dealers for routing equity security orders to them, we may receive payment in the form of rebates from certain exchanges. On page 38, the Structured products section was modified to reflect how orders are allocated and that certain structured products may be subject to limits on investment capacity or size. On pages 44 and 45, the Puerto Rico open-end funds and the Puerto Rico closed-end funds sections were revised to reflect the recent registration of the Funds under the Investment Company Act of 1940. On page 41, a new Fully Paid Securities Lending section was added. On page 41, the Mutual Funds section was modified to reflect fees in interval funds and Legacy Shares and to reflect that under Revenue Sharing, that Financial Advisors receive 0.04% of revenue sharing payments for ticketed money market funds. We also deleted the NextShares section since we no longer offer NextShares. On page 48, the Alternative Investments section was amended to reflect updates to Management fees, Administration fees and fees for Affiliated funds managed by UBS Fund Advisor LLC, the Other affiliated funds and the Third-party funds. On page 53, the Advisory programs and financial planning services section was modified to: (1) include additional details about the UBS Investment Advisory Fees, which are negotiable and which should be evaluated by clients based solely on the investment advisory services we provide, without regard to ancillary services available in the advisory programs, such as custody, trading and execution; (2) update SMA Manager Fee ranges for the ACCESS, SWP and AAP programs; (3) update the minimum investment requirements for ACCESS, UBS Advice Portfolio and the Retirement Plan Consulting Services; (4) reflect that UBS Asset Management now manages both the UBS Advice Portfolio and the investment menu for Retirement Plan Manager; (5) remove descriptions of the UBS Managed Portfolio Programs as they are no longer available; (6) updated the description of advisory financial planning services to note that each engagement is typically for a period of one year with the option to renew; and (7) added a description of the new Retirement Plan Advisor (RPA) program. Introduction Transparency about our services and This booklet is designed in two parts to serve as a reference guide when you consider different products and services. fees is an important part of our The first part of the booklet sets out key aspects of how we relationship with you. Understanding work with you, including: – Our Financial Advisors and investment approach the services available to you and the – Understanding the differences between our advisory and fees involved allows you to make brokerage services – Limitations on our services informed choices about how you will – How our Financial Advisors are compensated work with us. – Conflicts of interest The second part of the booklet describes the brokerage products and services available to you, the fees you pay and the compensation UBS and your Financial Advisor receive. As in everything we do, our aim is to serve your financial needs with transparency and with your best interests foremost. This booklet supplements our “Relationship summary for individual UBS Wealth Management clients” at ubs.com/relationshipsummary. It also serves as a comprehensive description of our brokerage services. The comprehensive description of our advisory services is available in the applicable Form ADV, Part 2A disclosures at ubs.com/advisorydisclosures. In addition to the disclosures in this booklet and referenced disclosure documents, from time to time Financial Advisors will provide additional disclosures verbally. UBS Financial Services Inc. is a broker-dealer and an investment adviser registered with the US Securities and Exchange Commission (“SEC”). UBS Financial Services Incorporated of Puerto Rico is a broker-dealer registered with the SEC. We refer to either firm in this booklet as “us,” “we,” “our” or “UBS.” Effective on or about July 31, 2021, UBS Financial Services Incorporated of Puerto Rico will be merged into UBS Financial Services Inc. After that date, any reference to UBS Financial Services of Puerto Rico should be read as UBS Financial Services Inc. Your relationship with UBS 5 of 60 Part one: Understanding our your most important values, needs and goals, which can inform appropriate strategies that align with those approach, services, fees, specific goals and time frames.3 compensation and conflicts of interest The three UBS Wealth Way strategies include “Liquidity. Longevity. Legacy.” -- representing different time frames of Our Financial Advisors a client’s life and beyond. This approach to wealth Our Financial Advisors are qualified and licensed to provide management can help you and your Financial Advisor focus both brokerage and investment advisory services.1 Some of on both your short- and long-term goals, while taking into our Financial Advisors hold educational or professional consideration the purpose of your wealth and the inherent credentials, such as the CERTIFIED FINANCIAL PLANNERTM (CFP®) variability in the markets. designation. Holding a professional designation indicates that the Financial Advisor has completed certain courses
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