Time for your year-end planning

2014 SAW REMARKABLE market growth. Because you may have experienced significant gains, now is the time to start meeting with your advisers, accountants, and attorneys to reflect on the year’s events, and to confirm that you have made the most of all available tax savings and investment strategies.

The end of the year is a good time to revisit whether specific strategies make sense for your current situation. Has anything changed since your last review? It is important to ensure that your investment and estate planning continue to reflect your current goals and circumstances.

A well-rounded strategy carefully considers portfolio fluctuations and the attendant tax and planning implications. Have your accountant examine your 2014 capital gains and losses to ensure that they are being aligned to your benefit. It is also a time to turn a thoughtful eye toward 2015 and beyond.

Our team can work with you, as well as your tax and legal advisers, to help you set your course in the coming months.

This column is sponsored by The Thornhill Wealth Management Group.

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column by G. CONLEY THORNHILL

G. Conley Thornhill, CFP®, CIMA®
Senior Vice President – Wealth Management

Eric E. Johnson, CFP®, CIMA®
Vice President – Wealth Management

UBS Financial Services Inc.
295 First Street South, Winter Haven, FL 33880
863-298-3600 888-411-5049

conley.thornhill@ubs.com

eric.e.johnson@ubs.com

ubs.com/team/thornhillgroup

As a firm providing wealth management services to clients, UBS Financial Services, Inc. is registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser and a broker-dealer, offering both investment advisory and brokerage services. Advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. It is important that you carefully read the agreements and disclosures UBS provides to you about the products or services offered. For more information, please visit our website at ubs.com/workingwithus. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and Certified Financial Planner™ in the U.S. CIMA® is a registered certification mark of the Investment Management Consultants Association, Inc. in the United States of America and worldwide. UBS Financial Services Inc. does not provide legal or tax advice. Any discussion of tax matters contained herein is not intended to be used, and cannot be used or relied upon, by any taxpayer for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any transaction or tax-related matter(s). Clients should consult with their legal and tax advisors regarding their personal circumstances. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

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