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returns. In addition, since the bucketing approach is based on anticipated future liabilities and cash flows, it ties directly to a financial plan. It tailors a strategy to investors for them to achieve the highest probability of success in fulfilling what is most important to them in life: Can I retire? Can my children go to the college they desire? Will I outlive my money? Can I leave an inheritance to my children? The most common way for measuring the comprehensive effectiveness of a financial plan is probability of success, or the percentage chance of hitting your desired goals. This valuable performance metric incorporates initial asset levels, age, asset allocation, annual savings, and the timing of goals. It then replicates thousands of possible return sequences to determine the likelihood that an investor will be able to achieve his or her designated liabilities (goals) in the future. Although we are not advising investors to ignore their annual performance metrics, we are recommending that investors take into account the total picture and focusing on what is important: Am I closer to achieving my goals? If not, what can I do differently to increase my probability of success? This should encourage better decision-making and hopefully better performance over time. Authored by UBS Financial Services Inc., provided courtesy of Anthony Cristiano, First Vice President and Financial Advisor "UBS Financial Services Inc. and its affiliates do not provide legal or tax advice. Clients should consult with their legal and tax advisors regarding their personal circumstances. As a firm providing wealth management services to clients, we offer both investment advisory and brokerage services. These services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. For more information on the distinctions between our brokerage and investment advisory services, please speak with your Financial Advisor or visit our website at ubs.com/ workingwithus. ©UBS 2015. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA. Member SIPC" Anthony Cristiano heads the Cristiano Group, a wealth management team at UBS Financial Services in NYC. He is a First Vice President and Portfolio Manager. In addition to his practice advising affluent families and executives, Mr. Cristiano is also a Senior Retirement Plan Consultant at UBS, providing guidance to Corporate Retirement Plans. The primary focus of the Cristiano Group is to provide objective, comprehensive wealth advice to their clients. In conjunction with his firms' world class resources, his team provides a holistic approach to wealth management, one that is inextricably linked to the unique needs, goals and values of each client. www.ubs.com/team/ thecristianogroup VUE ON FORTUNE 530 Sylvan Ave Englewood Cliffs, NJ 07632 (201) 816-1333 590 Madison Ave, 21st Fl New York, NY 10022 (212) 695-7577 SEKASLAW.COM 2750 Whitney Ave Hamden, CT 06518 (203) 281-1717 • Personal Injury • Medical Malpractice & Product Liability • Commercial & Employment Litigation • Real Estate • Land Use & Construction Law Areas of Expertise: No matter how large or small your case, the Sekas Law Group is a fine choice for all your legal representation needs. V U E N J . C O M 124

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