Wishing the community
a happy and healthy
new year
-Á4IBOBI5PWBI
.BSLFUTXJMMBMXBZTŗVDUVBUF#VUXIBUFWFSXBZUIFZNPWF BDPNQSFIFOTJWFŖOBODJBMQMBODBOCFBHPPE
XBZUPTUBZPOUSBDLUPXBSE`ZPVSHPBMT:PVS6#4'JOBODJBM"EWJTPSNPOJUPSTUIFDVSSFOUFOWJSPONFOU
BOEXJMMXPSLXJUIZPVUPFOTVSFZPVSQMBOBOEZPVSJOWFTUNFOUTSFŗFDUDIBOHJOHDPOEJUJPOT7PMBUJMJUZ
NBZCFVOTFUUMJOH CVUXJUIBMPOHUFSNQMBOJOQMBDF ZPVDBOGFFMNPSFDPOŖEFOUBCPVUUIFGVUVSF
For some of life’s questions, you’re not alone.
5PHFUIFSXFDBOÎOEBOBOTXFS
Paul A. Toby
4FOJPS7JDF1SFTJEFOU¾8FBMUI.BOBHFNFOU
QBVMUPCZ!VCTDPN
Paul J. Monacelli
4FOJPS7JDF1SFTJEFOU¾8FBMUI.BOBHFNFOU
QBVMNPOBDFMMJ!VCTDPN
STM Wealth Management Group
UBS Financial Services Inc.
8FTU#JH#FBWFS3PBE 4VJUF
5SPZ .*
GBY
ubs.com/team/stmwmgroup
"TBŖSNQSPWJEJOHXFBMUINBOBHFNFOUTFSWJDFTUPDMJFOUT 6#4'JOBODJBM4FSWJDFT*ODPšFSTCPUIJOWFTUNFOUBEWJTPSZTFSWJDFTBOECSPLFSBHFTFSWJDFT*OWFTUNFOUBEWJTPSZTFSWJDFTBOECSPLFSBHFTFSWJDFT
BSFTFQBSBUFBOEEJTUJODU EJšFSJONBUFSJBMXBZTBOEBSFHPWFSOFECZEJšFSFOUMBXTBOETFQBSBUFBSSBOHFNFOUT*UJTJNQPSUBOUUIBUDMJFOUTVOEFSTUBOEUIFXBZTJOXIJDIXFDPOEVDUCVTJOFTTBOEUIBUUIFZ
DBSFGVMMZSFBEUIFBHSFFNFOUTBOEEJTDMPTVSFTUIBUXFQSPWJEFUPUIFNBCPVUUIFQSPEVDUTPSTFSWJDFTXFPšFS'PSNPSFJOGPSNBUJPO WJTJUPVSXFCTJUFBUubs.com/workingwithus.h6#4"MMSJHIUT
SFTFSWFE6#4'JOBODJBM4FSWJDFT*ODJTBTVCTJEJBSZPG6#4"(.FNCFS'*/3"4*1$ #""@%$@WFS*4&YQ
jn
September 6 • 2018
93