UBS On-Air

IMO 2020 is on the horizon and it poses implications to the energy space. Today we examine what IMO 2020 is and what it means for clean fuel demand in the years to come and investor's portfolios today. Featured are Energy Equity Sector Strategist Americas for the UBS Chief Investment Office, Nicki Decker and MLP and Utilities Equity Sector Strategist Americas for the UBS Chief Investment Office, Jay Dobson. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC

The past year has brought about big changes, including the largest reform of the US tax system in over 30 years. As many of you are set to plan your year-end gift giving, you must ask yourself, "How much am I planning to gift to the IRS?" It's a great question, given that significant changes were made to the standard deduction earlier this year within the Tax Cuts and Jobs Act. Today we speak with Justin Waring, Investment Strategist for the UBS Chief Investment Office about this topic and recent blog in which he wrote. Neither UBS Financial Services Inc. nor any of its employees provide tax or legal advice. You should consult with your personal tax or legal advisor regarding your personal circumstances. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

Today we turn our focus to the muni market and explore what 2019 has in store for the asset class. We also reflect on what drove 2018 performance, strategies to consider for your portfolio and more. Featured is Municipal Strategist Americas for the UBS Chief Investment Office, Kathleen McNamara. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC

We turn our focus to the US financials as we examine what has been behind the recent performance, an outlook for the sector, and where opportunities exist for investors at this time. Featured is Financials Equity Sector Strategist Americas for the UBS Chief Investment Office, Brad Ball. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC

With all of the acronyms out there, such as SI, ESG or II, the lexicon of sustainable investing can seem like an "alphabet soup" of terminology. At the same time, interest in sustainable investing is growing, as more investors seek to align their portfolios with their personal values. Tune in as Andrew Lee, Head of Sustainable and Impact Investing in the UBS Chief Investment Office, and Casey Jojic, Head of Sustainable Investing Solutions at UBS Wealth Management Americas, break down the most important information that you should know about this very timely topic. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

?Cyber security is a topic that many hear about, but think, "How vulnerable am I really?" As security risks continue to evolve, you have to understand how to protect yourself and your loved ones as the threats are becoming much more sophisticated. It is not a question of whether you'll be targeted by cyber criminals but when and how prepared you'll be when you are. Join this very timely discussion with Jamie Howard, the Deputy Head of Fraud Risk Management and Investigations at UBS. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

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Today we turn our focus to muToday we turn our focus to munis as we examine what has been driving recent performance, an outlook for the asset class, where opportunities exist and more. Featured is Senior Municipal Strategist Americas for the UBS Chief Investment Office, Kathleen McNamara. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPCnis as we examine what has been driving recent performance, an outlook for the asset class, where opportunities exist and more. Featured is Senior Municipal Strategist Americas for the UBS Chief Investment Office, Kathleen McNamara. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC

Every day, wealthy investors make spending, philanthropic and even career decisions to help make the world a better place. But when it comes to investing, few investors act with the same sense of purpose --- yet. Today we will dig deeper into this topic by examining the latest UBS Investor Watch survey and its findings. Featured is Executive Director from the UBS Client Strategy Office, Alicia Curry. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC

As autumn approaches, you can look forward to the leaves changing their color, pumpkin spice lattes at your local coffee shop, the familiar chill in the air and one of the most anticipated mid-term elections in modern times. With so much on the line for both parties, how will this play out as we head to the polls in November. We'll find out today when we speak with Justin Waring, Investment Strategist Americas, UBS Chief Investment Office, about the election and the new UBS Election Watch report. For more information, and to access the interactive tool, visit www.ubs.com/electionwatch. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

LIBOR. An often used acronym that you may not be aware of. What is it? Why might LIBOR's reign be ending? What will replace it? Why should you care? Today, we'll discuss LIBOR and how it could impact your investment portfolio with Leslie Falconio, Senior Fixed Income Strategist from the UBS Chief Investment Office. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.