4FDPOEPQJOJPOTFSWJDF
%PFTZPVSŖOBODJBMBEWJTPSIFMQZPVQVSTVFXIBUNBUUFSTNPTU
8JUITPNVDIBUTUBLFXIFOJUDPNFTUPQSPUFDUJOHFWFSZUIJOHZPVÁWFXPSLFETPIBSEUPBDIJFWF JUOFWFSIVSUTUPHFUBTFDPOE
PQJOJPOBCPVUZPVSŖOBODJBMGVUVSF"U45.8FBMUI.BOBHFNFOU(SPVQ PVSBQQSPBDITUBSUTCZVOEFSTUBOEJOHZPVSMJGFBOE
XIBUZPVXBOUUPBDDPNQMJTI5IFOXFXPSLUPHFUIFSUPDSFBUFBGSBNFXPSLEFTJHOFEUPHJWFZPVUIFDPOŖEFODFUPEPXIBU
NBUUFSTNPTU OPNBUUFSXIBUUIFNBSLFUTBSFEPJOH
8FXBOUUPIFMQFOTVSFZPVIBWFBMMZPVOFFEGPSUPEBZ UPNPSSPXBOEGPSHFOFSBUJPOTUPDPNF-FUÁTTUBSUUIF`DPOWFSTBUJPO
Paul A. Toby
4FOJPS7JDF1SFTJEFOU¾
8FBMUI.BOBHFNFOU 64"
QBVMUPCZ!VCTDPN
Paul J. Monacelli
4FOJPS7JDF1SFTJEFOU¾
8FBMUI.BOBHFNFOU 64"
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*OWFTUNFOUBEWJTPSZTFSWJDFTBOECSPLFSBHFTFSWJDFTBSFTFQBSBUFBOEEJTUJODU EJšFSJO
NBUFSJBMXBZTBOEBSFHPWFSOFECZEJšFSFOUMBXTBOETFQBSBUFBSSBOHFNFOUT*UJTJNQPSUBOUUIBUDMJFOUTVOEFSTUBOEUIFXBZTJOXIJDIXFDPOEVDUCVTJOFTTBOEUIBUUIFZDBSFGVMMZSFBEUIFBHSFFNFOUTBOEEJTDMPTVSFTUIBUXFQSPWJEFUPUIFN
BCPVUUIFQSPEVDUTPSTFSWJDFTXFPšFS'PSNPSFJOGPSNBUJPO WJTJUPVSXFCTJUFBUubs.com/workingwithus. h6#4"MMSJHIUTSFTFSWFE6#4'JOBODJBM4FSWJDFT*ODJTBTVCTJEJBSZPG6#4"(.FNCFS'*/3"4*1$ #""@%$@&YQ
jn
December 20 • 2018
19