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CHANGE BENEFICIARIES If your spouse is still listed as your estate's primary beneficiary (or executor), make it your top priority to update your will. We should also review your life insurance policies, annuities and retirement accounts. The beneficiary listed on those documents will supersede the beneficiary named in your will in the event of your death, so change those beneficiary designations as soon as possible. It's the same with representatives named in healthcare and financial powers of attorney. If your children are minors, you'll also want to name a guardian of the estate. Your legal advisor can direct you, depending upon your particular situation. TAKE A CLOSE EYE TO RETIREMENT SAVINGS The expense of divorce may have taken a chunk of your retirement nest egg, so try to boost your savings to the greatest extent possible. If you're working, it's essential to put as much into your 401(k) as you can. If your cash flow is a little tight right now, still try to contribute at least enough to receive full employer-matching contributions. It is important to note that if you were married for at least 10 years and do not remarry, you may be entitled to Social Security benefits based on your former spouse's earnings. DON'T FORGET TO CONSIDER THE BIG PICTURE Your financial life encompasses much more than your investment strategy. It includes your goals for the future and how you want to live right now. Seek out and engage an Advisor committed to addressing all of your needs and willing to help adjust your current finances to make sure you stay on track with your long-term financial goals. This is a difficult but temporary phase and with some smart moves and the right guidance, you can move forward to the next phase in your life. Our practice does not provide legal advice, however, we work closely with your legal counsel in helping our clients get past this difficult time with as little disruption to their investment and planning goals as possible. 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 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/teamthecristianogroup Refine your Palate E N T I R E W I N E S E L E C T I O N P E R S O N A L LY TA S T E D A N D C U R AT E D B Y O U R T E A M . D I V E R S E S E L E C T I O N AT A G R E AT VA L U E . TA S T I N G S H E L D F R I D AY S 6 - 8 P. M . A N D S AT U R D AY S 2 - 5 P. M . 2 0 1 . 9 4 2 . 9 9 6 4 | c o r k w i n e s . n e t 1 4 5 0 W A S H I N G T O N S T R E E T, H O B O K E N , N J 0 7 0 3 0 3 9 9 S O M E R S E T S T R E E T, H A R R I S O N N J 0 7 0 2 9 Refine your Palate E N T I R E W I N E S E L E C T I O N P E R S O N A L LY TA S T E D A N D C U R AT E D B Y O U R T E A M . D I V E R S E S E L E C T I O N AT A G R E AT VA L U E . TA S T I N G S H E L D F R I D AY S 6 - 8 P. M . A N D S AT U R D AY S 2 - 5 P. M . 2 0 1 . 9 4 2 . 9 9 6 4 | c o r k w i n e s . n e t 1 4 5 0 W A S H I N G T O N S T R E E T, H O B O K E N , N J 0 7 0 3 0 3 9 9 S O M E R S E T S T R E E T, H A R R I S O N N J 0 7 0 2 9

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