We specialize in helping retirees and those transitioning into retirement reduce tax burdens and increase income. It’s our mission to make sure you enjoy your hard-earned retirement using strategies that fit your specific needs.  You can find just a few of the services we provide below.  If you have any questions or don't see something that you're looking for, please reach out and we'd love to help you out.
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Investment Management
Retirement Income Planning
Tax Withdraw Strategies
Fixed Index Annuities
Life Insurance
Estate Planning
Legacy Planning
Charitable Remainder Trust
Business Markets

investment management

​At UBC Wealth Management we subscribe to “Modern Portfolio Theory” to identify an investors ideal portfolio-A portfolio that offers the highest levels of returns for the lowest level of risk.

We evaluate each asset class on its potential for capital growth, income generation, volatility, correlation with the other asset classes and inflation protection. It is a disciplined approach with a focus on tax efficiency, low costing investing, diversified holdings, and asset allocation. Optimal after-tax returns are the focused outcome of our clients.

We create an investment strategy that best fits with your financial life. No decision is made in isolation of others due to our holistic approach.

​Oscar holds the RICP designation…
​See Brochure

Retirement Income Planning

tax withdraw strategies

At UBC we’ll determined which assets you should withdraw first, which assets you should withdraw later and which assets, we believe, you should not withdraw if you intend on leaving a legacy.

​A Fixed Index Annuity is a contract you buy from an insurance company to help you potentially accumulate interest and lifetime income for retirements. It offers interest based on the changes in an external index, such as the Standard & Poor’s 500 composite price index.
Regardless of index performance, indexed annuity contract values will not be impacted by negative index returns. 

*UBC Wealth Management does not represent any particular carrier, therefore it can represent you on just about any carrier depending on your unique situation.

Fixed index annuities

life insurance

​Life insurance provides not only an invaluable tax-free death benefit for your heirs, it can also provide you cash accumulation, supplemental retirement income and some very attractive tax benefits. We offer a wide range of traditional products as well as new ones that make owning a life insurance policy a key retirement strategy for retirees.

​Arranging your estate is an important part of the planning process. We are committed to helping you eliminate uncertainties about your estate and ensure that your assets are distributed according to your wishes after you’ve passed. From wills and trust to beneficiary designations and powers of attorney, we will help make thorough preparations for covering all aspects of estate planning.

Estate planning

legacy planning

We will help you create a plan to ensure you loved ones are protected long after you pass. If you’re looking to leave a legacy to your children or grandchildren we can make that happen. Once we’ve determined your goals and values, we’ll present strategies that are unique to your situation.

A qualified CRT is exempt from income tax, allows the donor to claim an income tax charitable deduction, permits the tax-free sale of appreciated assets, and irrevocably designates the remainder for the benefit of one or more charitable beneficiaries. The annual payout rate must be between 5% and 50%. The payout rate is an integral part of the calculation of the actuarial present value of the remainder interest, which is the amount of the charitable income tax deduction. UBC Wealth Management will help you select the annual payout rate for the CRT.

charitable remainder trust (CRT)

​is an irrevocable agreement in which a donor transfers assets to a trust in exchange for the right to receive income. ​

business markets

​Defined Contribution Plans
Key-Person Planning
Buy-Sell Agreements
Asset Protection Planning
Non-Qualified Deferred Compensation
Business Succession Planning
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