Comprehensive Private Wealth Management for KPMG Partners

'Due to our team's experience with many current and retired KPMG Partners, our team enjoys an intimate understanding of your culture, retirement benefits and sensitivity to KPMG's independence compliance.' ~ Joseph Matina

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About UBS

Global strength, experience and perspective

UBS leads the way in wealth management

Today, we are the world’s largest wealth manager,* powerfully positioned to address the new realities of today’s global economy and meet the entire spectrum of clients’ sophisticated needs from a holistic perspective.

The unique UBS approach to managing wealth

Exclusive research. The Chief Investment Office Wealth Management Research (CIO WMR) team combines insights from global research and experienced professionals to give clients access to our best investment thinking. Informed by a rigorous investment process, CIO WMR insights help clients make better investment decisions in a rapidly changing global marketplace.

Global solutions. The complex needs of our clients are the sole drivers of the solutions we provide. We offer appropriate solutions—either UBS’s or third parties’—from a broad range of products and platforms

Experienced Financial Advisors. Attuned to the specific needs of those with considerable wealth, they manage an average $126 million in invested assets per Advisor. To help clients achieve their goals, our Advisors recommend strategies that are based on an intimate understanding of clients’ goals, risk tolerance and the financial plan they create together.

For 150 years, UBS has been committed to bringing its global resources to bear on the portfolios of high net worth individuals to help them achieve their wealth management objectives.

*Scorpio Partnership Private Banking Benchmark 2014 12-month period ending 12/31/13

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Strong and well-capitalized

1 Fully applied; Basel III common equity Tier 1 (CET1) ratio equals Swiss SRB Basel III CET1 ratio for systemically relevant banks. UBS and CS – BIS Basel III framework came into effect on 1/1/13; for other banks, ratios shown represent pro-forma Basel III estimates as disclosed by the companies..

** As of 9/30/13

UBS remains financially strong, with solid long-term credit ratings and a Basel III common equity Tier 1 (CET1) ratio of 12.8% as of 12/31/13

The Basel III framework is a global regulatory standard on bank capital adequacy, stress testing, and market liquidity risk designed to improve the banking sector’s ability to absorb shocks arising from financial and economic stress. UBS has surpassed the minimum Basel III CET1 ratio six years early and has solidified its position as the highest-capitalized bank in its peer group.

Source: Companies reporting

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A partnership you can count on

About UBS Private Wealth Management

Private Wealth Management at UBS

Wealth management is at the core of our business

Wealth management focus (as of December 31, 2013)1

Company WM as % of total revenues

UBS 51

Morgan Stanley 43

Credit Suisse 41

Bank of America / Merrill Lynch 18

Wells Fargo 16

J.P. Morgan 6

1 All figures as of 4Q13, reflecting results for FY 2013. UBS WM and WMA income before credit loss as % of firm total; Morgan Stanley GWM net revenue as % of firm total; Credit Suisse WM core results net revenue before credit loss as % of firm total; Bank of America Global Wealth & Investment Management total revenue before credit loss as % of firm total; Wells Fargo WBR revenue before credit loss as % of firm total; JPMorgan Private Banking total net revenue before credit loss as % of firm total. Source: respective firms' 4Q13 company reports and Investor Relations sites.

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Comprehensive, customized solutions for your individual needs

Precious metals, art and numismatic and wine banking are services provided by UBS AG. UBS Financial Services Inc. and its Financial Advisors are not responsible

for and do not provide these services. Neither UBS Financial Services Inc. nor its employees provide tax or legal advice. You must consult with your tax and/or

legal advisors regarding your personal circumstances.

Delivering a full range of customized wealth management services

Corporate executive services

• Single stock risk management

• Restricted stock/Rule 144 transactions

• 10b5-1 trading programs

• Stock option financing and planning

Brokerage services

• Institutional sales and trading

• Fixed income research and trading

• Equity research and trading

• Self-directed investing

Special services

• Aggregated reporting

• Precious metals

Liability management

• Customized financing

• Credit lines

• Mortgages

• Margin financing

Asset management

• Traditional investment management

• Nontraditional investment

management

– Hedge funds

– Private equity

– Real estate

Banking services

• Fully integrated cash management

• Checking and card program

• Business services

• Online access

Insurance and trust services

• Wealth replacement strategies

• Life insurance trusts

• Dynasty trusts

• Charitable trusts

Structured Products

• Risk management

• Yield enhancement

• Hedge fund derivatives providing leverage and principal protection

Wealth planning services

• Wealth transfer planning

• Tax minimization strategies

• Succession planning

• Philanthropic planning

Trust and estate services

• Access to fiduciary services

• Trust administration

• Estate settlement

We integrate and apply the diverse global resources of UBS to gather insights and form recommendations for a comprehensive range of wealth management needs.

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A single point of contact backed by teams of experienced professionals

UBS Wealth Management Research in the U.S. is provided by UBS Financial Services Inc. and UBS AG. UBS Financial Services Inc. is a subsidiary of UBS AG. UBS

Wealth Management Research and any affiliate of UBS AG may publish research, express opinions or provide recommendations that may be inconsistent with each

other and/or may be inconsistent with investing in a specific product. Investors should make their own independent investigation of the merits of investing in any

particular product. Two Sources of UBS Research are available to you as a UBS client. One source is UBS Wealth Management Research.

UBS Wealth Management Research is part of UBS Global Wealth Management & Business Banking (the UBS business group that includes, among others,

UBS Financial Services Inc. and UBS International Inc.), whose primary business focus is individual investors. The second source is UBS Investment Research.

UBS Investment Research is part of UBS Investment Bank, whose primary business focus is institutional investors. Because both sources of information

are independent of one another and reflect the different assumptions, views and analytical methods of the analysts who prepared them, there may exist

a difference of opinions between the two sources. Neither UBS Financial Services Inc. nor its employees provide tax or legal advice. You should consult with

your tax and/or legal advisors regarding your personal circumstances.

You and your family


• Concentrated stock strategies

• Structured lending

• Trust and estate planning strategies

• Structured products

• Financial planning

• Philanthropic planning

Private Wealth Management consultants

• Strategic asset allocation

• Investment management

• Alternative investments

• Tax management strategies

• Risk management

• Liability management

• Personalized client service


• Global investment strategy

• Economic research

• Equities and fixed income

• Emerging markets

• Technical research

• Commodities and foreign exchange

Global research and strategists

To ensure the highest level of personal attention and responsiveness, we mobilize and coordinate elite teams of professionals with specific expertise.

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Private Wealth Management office locations Current locations of Private Wealth Management (PWM) offices and satellites located in key wealth markets across the country.

1 A PWM Satellite is located within an existing UBS Financial Services Inc. branch and the advisors report to PWM Management located in a PWM Office.

Private Wealth Management is a division within UBS Financial Services Inc., which is a subsidiary of UBS AG.

= PWM office

= PWM satellite1

WA

MT

OR ID

WY

NV

CA

UT

AZ NM

TX

ND

SD

NE

KS

OK

CO

MN

IA

MO

WI

IL IN

LA

AR

KY

TN

MS AL GA

MI

OH

PA

SC

NC

WV

ME

VT NH

NJ

DE MD

VA

NY

CT

FL

Minneapolis

Palo Alto

Cincinnati

Louisville

Nashville

Dallas

Orlando

Coral Gables

Palm Beach

Washington, D.C.

Stamford

Los Angeles

New York

Boston

San Francisco

Houston

Bellevue

Charlotte

Short Hills

Philadelphia

Newport Beach

Naples

Lincoln

Scottsdale

Salt Lake City

Red Bank

Coral Gables PWM International

Wall

San Diego

Brookfield

Chicago

Atlanta

Seattle

Birmingham

Ft. Lauderdale Austin

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Comprehensive Private Wealth Management for KPMG Partners

• The Matina Group within UBS Private Wealth serves as a single point of contact for KPMG Partners in

order to seamlessly deliver the firm. The Matina Group has two main offices conveniently at 299 Park

Ave, NYC and 51 JFK Parkway Short Hills, NJ. There are a total of 35 UBS Private Wealth offices located

throughout the US.

• UBS Private Wealth is a select group of 300 advisors out of 7,000 nationwide who have completed a

rigorous internal accreditation program demonstrating industry experience, investment know-how, as

well as trust & estate knowledge. The Private Wealth Advisors work exclusively with institutions,

individuals and families of substantial means.

• Once you have established a relationship with our team, you have the ability to access a broad spectrum

of products / services and can maintain multiple accounts if desired.

• Based upon the broad reaching UBS / KPMG relationship, we provide discounted fees based upon the

product or service.

KPMG Partner Program

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Simple, Systematic way to Save KPMG Partner Program

Planning – A holistic approach to Wealth Management

Each relationship can begin with a full service financial plan which will incorporate all KPMG retirement plans, outside assets and most importantly the goals that you and your family wish to attain. This can include an in depth look at your current investments, liabilities, insurance and trust and estate documents and how they are working to help you pursue your goals.

Investments – Partnership in Action

KPMG partners face unique challenges when investing, one of which is the requirement to invest in a KICs-cleared portfolio. We offer you a simple, systematic way to save, while enjoying professional management on a reduced fee structure.

The Matina Group drew upon our 15 year relationship with KPMG, to build a comprehensive solution that simplifies the investment process and makes it easy to build a conflict-free discretionary portfolio. UBS has collaborated with BlackRock, the world's largest asset manager, to create customized portfolios utilizing three asset allocation models. This dynamic suite of 16 model portfolios aims to achieve specific objectives, such as increased income for retirement, while managing for key market risks.

In addition, you have access to the full range of other UBS products and services at discounted (30-70%) fees based upon the product. UBS has open architecture, which allow us to offer the best thinking and implementation of strategies from a range of third party providers.

Lending – Financial flexibility when you need it

As a Private Wealth client, KPMG partners have access to a source of liquidity for their personal needs. As part of the suite of discounts for KPMG partners, credit line utilizations will receive a preferential rate usually reserved for credit lines of $5-10 million.

Mortgages

KPMG partners enjoy exclusive access to a dedicated team of Private Wealth Mortgage Specialists, as well as a $500 credit towards closing costs and discounts on the stated rate.

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Financial/Retirement Planning

Financial/Retirement Planning

• Each KPMG Partner relationship can begin with an all-encompassing Financial / Retirement Plan. This plan

is done at no cost to you and upon request, we can update the plan to address personal and professional

changes in your Estate, Investments, Insurance and Education Planning needs.

• After a comprehensive review of the your personal balance sheet and conversation surrounding risk, we

along with the help of our Financial Planning, Trust & Estate, Life Insurance and Retirement specialists

develop appropriate strategies to pursue both short and long term goals.

• Our UBS Financial Goal Analysis planning tool uses sophisticated analytics to discover more about your

needs, wants and wishes and identify whether or not your strategy is on track. The tool also uses a Monte

Carlo model which runs 10,000 lifetime scenarios to illustrate the probability of success of achieving

retirement goals.

• UBS provides advice beyond investing by helping assess your financial priorities. As your needs and

objectives change, we can help modify your strategies for wealth accumulation, wealth preservation and

wealth transfer.

The FGA report is based on various assumptions including financial information, personal preferences and other information provided by the client. The report details the assumptions upon which the plan is based. Important: The projections and other information generated by FGA regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

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Analyzing all aspects of your financial situation We can help you integrate separate conversations with multiple advisors and create organization and focus for your distinct financial picture.

Investment

Retirement

Estate

Education Funding

Tax Optimization

Liabilities

KPMG Corporate Benefits

Insurance

Wealth Planning Goals and Objectives

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Saving and Investing

BlackRock ETF Model Portfolios

UBS Private Wealth - KPMG Partner Program ETF Offering

The Power of Partnership …

UBS / BlackRock ETF Model Portfolios

Typical ETF Program Fee

Advisory Relationship Size Total Min Fees Total Max Fees

Up to $250k 1.25% 2.50%

$250k - $500k 1.00% 2.50%

$500k - $1MM 1.00% 2.50%

$1MM - $5MM 0.65% 2.50%

$5MM - $10MM 0.50% 2.50%

$10MM - $25MM 0.40% 2.50%

$25MM + 0.30% 2.50%

• Our goal was to create a simple, systematic way for KPMG partners to save, while enjoying professional management on a reduced fee structure. To put this in perspective someone not part of this highly discounted program could be charged 2.5%.

• Due to UBS' unique investment approach and our ability to work with KICS cleared investment firm, we selected a world class investment manager in BlackRock with a long standing successful history of managing money for KPMG.

• While partners can invest in any KICS cleared UBS offering, this BlackRock ETF offering is using BlackRock iShares and specifically created for KPMG using a world class investment firm in BlackRock and fully KICS cleared.

• UBS Management Fee at 0.50%.

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BlackRock ETF Model Portfolios

BlackRock Balanced Income Models

Volatility Focused Income

Rising Rates Focused Income

Inflation Focused Income

BlackRock Strategic Models

0/100

20/80

30/70

40/60

50/50

60/40

70/30

80/20

100/0

BlackRock Target Income Models

Core Income

Moderate Income

High Income

Aggressive Income

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BlackRock Balanced Income Models Index

The Balanced Income Models comprise three model portfolios, providing a range of potential yield and risk

levels. The models are optimized quarterly and include income-oriented iShares ETFs. The models are

intended as tools to help investors, together with their advisors take a fresh approach to income

generation across asset classes while managing for specific risks including rising rates or inflation. Whether

investors are saving for their future or are nearing retirement, their advisors will work with them to select

the income portfolio that best reflects their financial needs.

Available Models

-Volatility Focused Income

-Rising Rates Focused Income

-Inflation Focused Income

Total UBS Fee: 0.50%

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BlackRock Strategic Models Index

The nine Strategic Model Portfolios provide a range of risk and return levels to help investors build their

core allocation in a low cost and efficient way. These portfolios are intended as tools to assist with

designing a strategy to help clients pursue their investing goals, while managing overall risk. Whether

investors are saving for their future or are nearing retirement, their advisor will work with them to select

the portfolio that best reflects their financial needs.

Available Models

-0/100

-20/80

-30/70

-40/60

-50/50

-60/40

-70/30

-80/20

-100/0

Total UBS Fee: 0.50% 19

BlackRock Target Income Models Index

The Target Income models comprise four models, providing a range of potential yield and risk levels, to

help investors rethink their core Fixed Income allocation in an efficient way. These portfolios are optimized

quarterly and are intended to assist clients with designing a strategy to help pursue their specific income

objectives, while managing overall risk. Whether investors are saving for their future or are nearing

retirement, their advisor will work with them to select the portfolio that best reflects their financial needs.

Available Models

-Core Income

-Moderate Income

-High Income

-Aggressive Income

Total UBS Fee: 0.50%

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Lending for KPMG Partners – Financial flexibility when you need it

Our Value Proposition – We are able to provide lending rates on Credit Lines and Margin Balances at 30 Day Libor + 2.00%

Currently 2.442%*

UBS Credit Lines: Clients have access to funds to meet their liquidity needs and are still able to pursue their

investment strategy. Securities Backed Loans allow clients to take advantage of time-sensitive opportunities

or meet unexpected financial obligations. SBLs are secured by eligible assets in a UBS account.

Margin: Margin loans, secured by the eligible assets in a UBS account, help clients meet a variety of

personal and investment financing needs, including the purchase of additional securities. Margin loans also

provide overdraft protection for check writing or debit card use tied to a client's UBS RMA account.

Standby Letters of Credit: UBS can provide clients with letters of credit to use in place of a cash security

deposit, for expenditures such as a performance guarantee for a construction project or to guarantee an

invoice payment.

Lending for KPMG Partners – Financial flexibility when you need it Our services help clients manage their cash flow and use eligible assets at UBS for financial flexibility and/or asset diversification

* as of June 14, 2016

Rates subject to change at the sole discretion of the lender

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• As a Private Wealth client, KPMG partners have access to alternatives to provide you with a source of

liquidity for both your personal and business needs.

• By using eligible assets in your UBS portfolio as collateral, you have the ability to access the funds you

need while still allowing you to pursue your long term financial strategy.

• UBS Credit Lines are a strategic financing options, featuring flexible repayments and credit structures,

including third party guarantees.

• As part of the suite of discounts available to KPMG Partners, credit line utilizations will receive a

preferential rate, usually reserved for approved credit lines of $5 to 10 million, currently at 2.442%

(30 Day Libor + 2.00%)* which would represent a potential maximum differential of 3.50% from the

highest rate.

* as of June 14, 2016


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Premier Variable Credit Line Pricing As of June 14,

2016*

Loan Approval Amount

30 Day LIBOR +Spread =Rate Charged

$55,000- 99,999

0.442% 5.500% 5.942%

$100,000-249,999

0.442% 5.000% 5.442%

$250,000-499,999

0.442% 3.875% 4.317%

$500,000-999,999

0.442% 3.375% 3.817%

$1,000,000-2,499,999

0.442% 2.750% 3.192%

$2,500,000-4,999,999

0.442% 2.500% 2.942%

$5,000,000-9,999,999

0.442% 2.000% 2.442%

$10,000,000 and above

0.442% 1.750% 2.192%

*Rates subject to change at the sole discretion of the lender 24


Margin

As of June 14, 2016

Loan Size UBS Base Rate +Spread Rate Charged

Under $25,000 6.500% 3.500% 10.000%

$25,000-49,999 6.500% 3.125% 9.625%

$50,000-74,999 6.500% 2.750% 9.250%

$75,000-99,999 6.500% 2.125% 8.625%

$100,000-249,999 6.500% 1.125% 7.625%

$250,000-499,999 6.500% 0.750% 7.250%

$500,000-999,999 6.500% 0.375% 6.875%

$1,000,000-4,999,999 6.500% 0.000% 6.500%

$5,000,000-9,999,999 6.500% -0.875% 5.625%

$10,000,000 and above

6.500% -1.250% 5.250%

Margin Rate for KPMG Partners is 30 Day Libor + 2.00% = 2.442%*

*as of June 14, 2016


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Advantages of a UBS Mortgage for KPMG Partners

Advantages of a UBS Mortgage for KPMG Partners

• UBS Mortgage provides exclusive access for KPMG Partners to a dedicated team of Private Wealth

Mortgage Specialists.

• Jumbo, Conforming Plus and Conforming Mortgages are originated by UBS Mortgage, a KPMG

Approved Vendor.

• KPMG Partners will receive a $500 credit towards closing costs, once financing has been approved.

• KPMG Partners will also benefit from our Premier Pricing Program with respect to Jumbo Loans. UBS

offers attractive rate discounts based off assets held at UBS as well as new money added during the

loan process.

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UBS KPMG Partner Relationship Resources

Start a Conversation

Joseph Matina

Managing Director

Private Wealth Advisor

[email protected]

Christopher McKenna

Senior Vice President – WM

Private Wealth Advisor

[email protected]

To begin the process of opening an account, please visit our UBS/KPMG Partner website below, or

reach out to us directly.


877-452-4344

Maryellen Frank

Account Vice President – WM

[email protected]

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mailto:[email protected]



Experienced Partners

• The Matina Group has a combined 70 plus years of experience with KPMG and collaborated in advising and pre-planning

for Partners during the 2001 Bearing Point spin-off and liquidity event. We are pleased that to this day we continue to

maintain these clients, both current and retired Partners, who came to us through this event.

• We have an intimate knowledge of Partner retirement benefits and the KPMG Compliance System (KICS) thanks to a

collaborative relationship with those at KPMG over the past 15 years. UBS feeds individual Partners KICS system nightly

through the Broker Import Program.

• We assist you by importing trades through the KICS broker import program. Under this program your investment

transactions are automatically downloaded into your KICS account, thus eliminating the need to enter these transactions

manually.

• For technical assistance in setting up your account in the KICS program, please contact the independence help desk at

800-KPMG-HELP, option 3, option 1 or email US-DPP Independence Help Desk. The KICS broker import program does

not remove each partner's responsibility to ensure compliance with the firm's independence policies. Information on

independence policies can be found at http://www.kics.kworld.kpmg.com. The US-DPP Independence Help Desk can

also assist in linking your internal KICS Account to your UBS Accounts.


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http://www.kics.kworld.kpmg.com/

http://www.kics.kworld.kpmg.com/

Simple Client Focused Service Program

• Account opening can be done either by phone or in person, followed up with account opening paperwork. Partners will

have the ability to set up automatic deposits from your KPMG Partner account to your UBS accounts

• Each relationship can begin with a full service financial plan which will incorporate all KPMG retirement plans, outside

assets and most importantly the goals that you and your family wish to attain. Based on your individual needs and

circumstances, this review can include an in depth look at your current Investments, liabilities, Trust & Estate documents,

Insurance and how they are working to help you pursue your goals.

• Once you have established a relationship with our team at UBS you have the ability to invest in a broad spectrum of other

products and can have multiple accounts if desired.

• Typically, our service commitment to clients includes quarterly performance reviews, monthly calls or more frequently if

desired, no voice mail during business hours and a return call from a Team partner within 24 hours.

• KPMG Partners will also enjoy specific discounts on all UBS products and services outside of the BlackRock ETF program.


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The Matina Group

Christopher McKenna, Kaitlyn McDonald, John Rocco, Grace Damen, Maryellen Frank and Joseph Matina. Not pictured: Robert Field and Andrea Montella

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The Matina Group

Joseph Matina has been recognized as an industry leader.

Financial Times Top 400 Financial Advisor, 2015, 2016

Barron's Top 1,200 Financial Advisors, 2015, 2016

Our team

Our dedicated team advises a select number of clients to ensure the highest level of personal attention and responsiveness.

Joseph Matina Managing Director–Wealth Management Senior Portfolio Manager Private Wealth Advisor

As Managing Partner for the Matina Group, Joseph brings over 20 years of experience managing wealth. Focusing on a risk-management approach, he is responsible for determining asset allocation, investment manager selection, and monitoring investment performance for clients. Joe has also completed the firm's rigorous Private Wealth Advisor accreditation program, exemplifying his dedication to serving the complex needs of individuals and families with substantial wealth.

In 2015 and 2016, Joe has been named to the Financial Times Top 400 Advisors in America list as well as the Barron's Top 1200 Financial Advisors. The Matina Group was recently featured in the November issues of Bloomberg Businessweek, Fortune and Money magazines. The article nicely captures our dedication to delivering Advice Beyond Investing, and how deeply we value the relationships we have formed with our clients and their families.

A graduate of Albright College, Joe is now a member of the college’s Business Advisory council. Joe resides in Sea Girt, New Jersey with his wife Dana and three daughters, Ava, Charlotte, and Grace and enjoys travel and golf. Believing that commitment to the local community is vital, Joe has provided consistent support to a number of non-profit organizations. Of particular importance is Partners for Women and Justice, which empowers low-income and abused women to build safe and secure futures for themselves and their children by providing equal access to justice. Joe and Dana recently were honored for their involvement with the Partners in Hope Award.

Experience:

• Merrill Lynch, 14 years

• Joined UBS in 2006

Education:

• Albright College

Christopher McKenna Senior Vice President-Wealth Management Private Wealth Advisor

As a Partner in The Matina Group, Chris has over 15 years of experience managing wealth. His primary responsibility is to oversee all of our teams fixed income, equity and option investment implementation. He works closely with Joe on risk management, investment analysis, manager selection and implementation of asset allocation strategies. Chris also manages the day to day operations of a 10 person team. As a Senior Relationship Manager, Chris connects deeply with our clients through detailed reviews of investment strategy and by executing financial plans to achieve a client's goals and wishes.

Chris completed the firm's rigorous Private Wealth Advisor accreditation program, exemplifying his dedication to serving the complex needs of individuals and families with substantial wealth. Chris delivers advice beyond investing.

Chris is a graduate of Sacred Heart University. He and his wife Erica have one son, Connor, and live in Morris Plains, NJ.

Experience:



Education:

• Sacred Heart University

Our team (cont’d)


Grace Damen Team Administrator

John Rocco Senior Wealth Strategy Associate

Grace is the Team Administrator and has been a valued member of our team for 12 years. She diligently manages all administrative aspects of our group.

She is Series 7 & 63 licensed and is the point person for all of our clients banking needs from an administrative perspective, Grace handles all issues related to alternative investments and managed accounts.

She also gets very involved in our client's lending needs by overseeing mortgage applications and asset based lending.

Experience:



• Series 7 & 63 licensed

Education:

• The Katharine Gibbs School

John is a Senior Wealth Strategy Associate who researches alternative investments, investment managers and individual securities. He assists Chris on our teams fixed income, equity and option trading.

John joined UBS in 2007 as a member of the Investment Advisory group. He was the lead associate for the Private Wealth and Institutional Consulting groups. John joined our team in 2010.

Experience:


• Series 7 & 66 Licensed

Education:

• Drew University

Our team (cont’d)


Maryellen Frank Account Vice President – Wealth Management

Maryellen brings 22 years of experience at UBS Investment Bank, and a specialization in currencies and commodities, to The Matina Group. At UBS Investment Bank, she held a variety of executive roles, including heading up a sales desk on the world's largest trading floor. Within Investment Banking Product Solutions, she worked closely with individuals and families of substantial wealth, delivering innovative investment solutions.

She has a specialization in working with families and foundations on sustainable and impact investing, as well as financial literacy for the next generation.

Maryellen earned her BA from Pennsylvania State University. Maryellen and her husband Andy reside in Connecticut and have two daughters; Emma a senior at MIT and Charlotte a freshman at the University of Alabama.

Maryellen is deeply committed to non-profit work in her community and currently chairs the board of the DVCC of Norwalk and Stamford.

Experience:

• UBS, 22 years


Education:

• Pennsylvania State University

Kaitlyn McDonald Wealth Strategy Associate

Kaitlyn is a Wealth Strategy Associate who joined UBS in 2013. With extensive experience specializing in administrative support and client services, she provides assistance to the team with daily operational functions. She is also responsible for producing all of our proposals and quarterly reviews.

Kaitlyn is excited to be a member of The Matina Group and is enthusiastic about her future in wealth management. Kaitlyn earned her BA in Economics from Rutgers University.

Experience:

• UBS, 2 years

• Series 7 & 66 Licensed

Education:

• Rutgers University

Our team (cont’d)


Robert Field Senior Wealth Strategy Associate Associate Director

Robert is a Senior Wealth Strategy Associate with 9 years of Financial Services experience. His experience includes an in-depth knowledge and understanding of Financial Planning and the creation of Investment Solutions to help meet the client's goals.

In 2006, Robert joined UBS as a Financial Advisor in New York City, following a business career working for various start-up software companies during the Internet Technology boom. Since that time, he has held various roles within UBS including the management and training of new financial advisors on how to best provide quality and efficient service to their clients.

Robert graduated from The American University with a BA in Political Science and Broadcast Journalism. He has two boys, Jackson and Holden, and lives in Caldwell, NJ

Experience:


• Series 7, 66, 9 & 10 Licensed

Education:

• The American University

Andrea Montella Client Service Associate

Andrea is a Client Service Associate who brings over 15 years of client service experience to our team. Andrea began her career in 1995, working as an assistant for a municipal bond trader. She has a passion for the financial services field and is delighted to work closely with our clients on administrative matters. Andrea's extensive professional experience gives her a deep understanding of how to work with clients, ensuring confidentiality and understanding their needs. She will be assisting Grace with all administrative aspects of the team.

Experience:

• 15 years

Education:

• Dover Business College

Contact us

Joseph Matina Christopher McKenna Maryellen Frank Managing Director Senior Vice President – WM Account Vice President – WM Private Wealth Advisor Private Wealth Advisor 877-452-4344 973-315-1925 877-452-4344 [email protected] [email protected] [email protected] Grace Damen John Rocco Kaitlyn McDonald Team Administrator Senior Wealth Strategy Associate Wealth Strategy Associate 973-315-1926 973-315-1928 973-315-1927 [email protected] [email protected] [email protected]


877-452-4344

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Disclosures

PMP is a wrap fee advisory program in which our Financial Advisors manage client accounts on a discretionary basis. PMP is designed for clients who (i) want to delegate portfolio management discretion to their Financial Advisor; (ii) are looking to implement a medium to long-term investment plan; and (iii) prefer the consistency of fee-based pricing.

PMP is not appropriate for clients who: (i) want to maintain trading control over their account; (ii) seek a short-term investment; (iii) want to maintain consistently high levels of cash, money market funds, or invest primarily in no-load mutual funds; (iv) want to maintain highly concentrated positions that will not be sold regardless of market conditions; or (v) who anticipate significant withdrawals from the account.

As a firm providing wealth management services to clients, we are 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. Though there are similarities among these services, the investment advisory programs and brokerage accounts we offer 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 that we provide to you about the products or services we offer. While we strive to ensure the nature of our services is clear in the materials we publish, if at any time you seek clarification on the nature of your accounts or the services you receive, please speak with your Financial Advisor. For more information, please visit our web site at www.ubs.com/workingwithus. Private Wealth Management is a business unit within UBS Financial Services Inc.

In providing financial planning services, we may act as a broker-dealer or investment adviser, depending on whether we charge a fee for the service. The nature and scope of the services are detailed in the documents and reports provided to you as part of the service. Financial planning does not alter or modify in any way a client's existing account(s) or the terms and conditions of any account agreements they may have with UBS. For more information speak with a Financial Advisor.

Exchange traded funds are sold by prospectus. For more complete information about a fund, including the investment objectives, charges, expenses and risk factors, contact your Financial Advisor for a free prospectus. The prospectus contains this and other important information that you should read carefully before investing.

Investors should be aware that the value of exchange traded funds changes from day to day. Therefore, an investment's return and principal value will fluctuate so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. ETFs seek investment results that, before expenses, generally correspond to the price and yield of a particular index. There is no assurance that the price and yield performance of the index can be fully matched. ETFs are subject to tracking error and may be unable to sell poorly performing stocks that are included in their index. ETFs may trade in the secondary market at prices below the value of their underlying portfolios and may not be liquid.

The strategy involves investments in exchange traded funds and other pooled investment vehicles which carry internal management and administrative expenses borne by shareholders. Those fees are in addition to the advisory fee you pay for the Portfolio Management Program. Program fees will not be reduced or offset by these fees. These additional fees will reduce the overall return of your account. You may be able to purchase those securities directly in the open market without incurring the program fee. Please review the applicable prospectus and offering documents carefully for a detailed description of the additional fees associated with these securities.

Neither UBS Financial Services Inc. nor its employees provide tax or legal advice. You must consult with your attorney and tax advisors regarding your personal circumstances.

Credit Lines are provided by UBS Bank USA, an affiliate of UBS Financial Services Inc. Credit Lines are full recourse, demand loans and are subject to credit approval and collateral maintenance requirements. The lender can demand repayment at any time without notice. If the required collateral value is not maintained, the lender can require you to post additional collateral, repay part or all of your loan and/or sell your securities. Failure to promptly meet a request for additional collateral or repayment or other circumstances (e.g., a rapidly declining market) could cause the lender to liquidate some or all of the collateral supporting the Credit Lines. Any required liquidations may result in adverse tax consequences. You are personally responsible for repaying the Credit Line in full, even if the value of the collateral is insufficient.

Credit Lines may not be used directly or indirectly to purchase, trade or carry securities or to repay debt (a) used to purchase, trade or carry securities or (b) to any affiliate of UBS Bank USA. Additional limitations and availability may vary by state. Prepayments of Premier Fixed Credit Line loans will be subject to an administrative fee and may result in a prepayment fee.

You should consult your legal and tax advisors regarding the legal and tax implications of borrowing using securities as collateral for a loan. For a full discussion of the risks associated with borrowing using securities as collateral, you should review the Loan Disclosure Statement that will be included in your application package.

All mortgage products are only offered by UBS Mortgage. UBS Mortgage is a trade name for UBS AG, Tampa Branch or, in certain states for certain products, UBS Bank USA. All loans are subject to underwriting, credit and property approval. Not all products are available in all states, or for all loan amounts. Other restrictions and limitations may apply. UBS Mortgage currently offers residential mortgage loans within the 50 states of the United States of America and the District of Columbia. UBS Financial Services Inc., 1000 Harbor Blvd., Weehawken, NJ 07086. NILES No. 6737. Georgia Residential Mortgage Licensee No. 18092. Massachusetts Mortgage Broker Lic. No. MB6737. Registered Mortgage Broker—NYS Dept. of Financial Services. UBS Financial Services and its Financial Advisors do not take mortgage loan applications, do not offer mortgage loans and do not negotiate terms of mortgage loans.

Equal Opportunity Lender. Equal Housing Lender.

©2014 UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC

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Comprehensive Private Wealth Management for KPMG Partners

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