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Retirement planning for couples

Planning together has proven benefits
"DDPSEJOHUPBUBS Investor Watch survey,* when both spouses are
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not already planning for your retirement together, here are some tips to
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Six suggestions to help couples plan for retirement
1. Decide what’s important
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once both of you agree on them.

2. Find a risk tolerance you both can embrace
 "DDPSEJOHUPInvestor Watch,* women are often more conservative
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3. Don’t forget long-term care planning
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care more important than ever. Start having conversations now about
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4. Coordinate your strategy for Social Security
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Social Security can lead to significantly higher benefits over the course
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5. Keep both of you in the know
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cial decision, especially when it comes to managing your accounts.
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È Your net worth
È Your assets, liabilities, insurance, property and
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6. Get involved and stay involved
UBS Investor Watch reveals that this is the most important step cou
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both involved in conversations with your financial advisor, as well as
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Advice. Beyond investing. :PVSŖOBODJBMMJGFFODPNQBTTFTNPSFUIBO
your assets. It includes your goals for the future and how you want to
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that both of you be involved in planning for it.

STM Wealth Management Group
Paul A. Toby
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paul.toby@ubs.com

Paul J. Monacelli
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paul.monacelli@ubs.com

UBS Financial Services Inc.
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ubs.com/team/stmwmgroup

* 2Q 2014 UBS Investor Watch.
The information contained in this article is based on sources believed to be reliable, however, its accuracy and completeness are not guaranteed by UBS Financial Services Inc. This article is for informational and educational
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March 15 • 2018

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