Anuree Brunn

Certified Financial Transitionist (CeFT) is a professional who specializes in helping individuals navigate through various life transitions that may significantly impact their financial situation, emotions, and relationships.

The primary goal of a CeFT is to help their clients successfully transition from their current state to their desired future state while minimizing the negative impact of the transition.

They achieve this through a combination of specialized training, expertise, and personalized support.

One of the essential aspects of working with a CeFT is the level of expertise and guidance they can provide during the transition process.

CeFTs are trained in a wide range of financial and emotional topics, including financial planning, grief counseling, and communication skills.

They can help their clients identify their goals and values, create a customized plan, and provide ongoing support throughout the transition.

Working with a CeFT can significantly increase the chances of a successful transition and can minimize the emotional and financial strain that often accompanies major life changes.

Certified Financial Transitionists offer a variety of specialized services to help individuals navigate the financial and emotional challenges of major life transitions.

One of the primary services provided by CeFTs is financial planning and management. This includes assessing the client's current financial situation, identifying their financial goals, and creating a plan to achieve those goals.

CeFTs can help their clients understand the various financial options available to them and make informed decisions based on their unique circumstances.

They can also provide ongoing support to ensure that the plan remains on track and adjust it as needed based on changes in the client's circumstances.

Transitions can be emotionally challenging, and CeFTs understand this. They are trained to provide emotional support and counseling to help their clients manage the various emotions that come with major life changes.

This includes grief counseling, stress management, and coping skills. CeFTs can help their clients process their emotions in a healthy way and provide guidance on how to manage their emotions throughout the transition process.

Major life transitions can often have a significant impact on relationships, including marriages, families, and friendships.

CeFTs can help their clients navigate these relationships by providing communication skills training, facilitating difficult conversations, and helping to manage conflicts.

They can also provide guidance on how to maintain healthy relationships during the transition process and beyond.

CeFTs can also help their clients plan for their legacy and charitable giving. This includes identifying their values and goals, creating a plan for charitable giving, and ensuring that their estate plan reflects their wishes.

CeFTs can also provide guidance on how to communicate their plans to their loved ones and ensure that their legacy is preserved.

Certified Financial Transitionists have expertise in various areas, helping individuals manage different aspects of life transitions.

Retirement is a major life transition that requires careful planning and management. CeFTs can help their clients navigate the various financial and emotional aspects of retirement.

This includes creating a retirement income plan, managing healthcare costs, and finding purpose and fulfillment in retirement.

Divorce can be emotionally and financially challenging, and CeFTs can help their clients navigate this difficult process.

They assess the client's financial situation, identifying their financial goals, and creating a plan to achieve those goals.

Inheritance transitions can be complicated, particularly when there are multiple beneficiaries involved.

CeFTs can help their clients navigate the various financial aspects of inheritance, including tax implications, estate planning, and managing family dynamics.

Losing a loved one is a difficult time, and CeFTs can help their clients manage the various financial and emotional aspects of this transition.

This includes identifying the financial implications of the loss, managing the deceased's estate, and providing support and counseling to help the client navigate the grieving process.

Working with a CeFT can provide numerous benefits when navigating a major life transition.

CeFTs have specialized training and expertise in various financial and emotional areas, including financial planning, grief counseling, and communication skills.

This specialized training and expertise can help individuals make informed decisions and minimize the emotional and financial strain that often accompanies major life changes.

Major life transitions can impact an individual's finances, emotions, and relationships. CeFTs can provide guidance and support to help their clients navigate these challenges successfully.

They can help their clients manage their finances by creating a customized financial plan and support their clients manage the various emotions that come with major life changes.

Finally, CeFTs can help their clients manage relationships by providing communication skills training, facilitating difficult conversations, and helping to manage conflicts.

CeFTs are held to a high standard of certification and must adhere to a strict code of ethics. This means that individuals working with a CeFT can trust that they are receiving the best possible advice and guidance.

CeFTs are committed to providing personalized and customized support to help their clients achieve their goals and navigate the transition process with confidence.

Below are some things to consider on how to find a certified professional transitionist:

When searching for a CeFT, it is essential to do your research and find someone who specializes in the area of your specific transition.

You can start by asking friends or family members for referrals, checking with professional organizations or associations, or searching online.

Once you have a list of potential CeFTs, it's important to conduct further research to determine if they are a good fit for your needs. This may include reviewing their website, reading client reviews, and checking their credentials.

During the selection process, it's essential to ask the right questions to ensure you choose someone who has the experience, expertise, and compatibility that you need.

Some essential questions to ask include their qualifications and certifications, their experience working with individuals in similar transitions, their approach to financial planning and management, and how they handle conflicts or challenges that may arise.

By asking these questions, you can gain a better understanding of the CeFT's approach and determine if they are the right fit for your needs.

Working with a CeFT involves a collaborative approach that requires honesty, openness, and communication.

During the initial consultation, the CeFT will assess your current financial situation, identify your goals and values, and create a customized plan that reflects your unique circumstances.

As the process moves forward, the CeFT will provide ongoing support, including financial planning and management, emotional support and counseling, and relationship management and communication.

It is important to be open and honest with your CeFT and communicate any concerns or challenges that arise during the process.

A Certified Financial Transitionist is a professional who specializes in helping individuals navigate through various life transitions that may significantly impact their financial situation, emotions, and relationships.

CeFTs provide a wide range of services, including financial planning and management, emotional support and counseling, relationship management and communication, and legacy planning and charitable giving.

They have specific areas of expertise, including retirement transitions, divorce transitions, inheritance transitions, and loss of a loved one transitions.

Working with a CeFT can provide numerous benefits, including specialized training and expertise, managing finances, emotions, and relationships, and providing the best possible advice and guidance.

UBS Wealth Management (also known as UBS Financial Services, Inc.) offers a multitude of financial services. The Swiss bank’s wealth management arm has an option for nearly anyone who is looking for financial advice, with minimum investment levels for some types of accounts as low as $5,000 and as high as $25 million for others.

Its clients run the gamut from individuals to corporations, charities, pension funds and even other banks. UBS Wealth Management has offices and financial advisors in nearly every major U.S. city, as well as many small and mid-sized cities, so those searching for a personal touch should be able to sit down with a UBS advisor in their area.

Whether you are a new investor who is looking to build your wealth or a high-net-worth individual seeking a higher return on your investments, UBS Wealth Management may have a program that makes sense for you.

UBS offers multiple discretionary and non-discretionary programs, with minimum account sizes as low as $5,000. Each program has numerous possible strategies to choose from, and asset classes ranging from equities to municipal bonds to real estate investment trusts.inim

Smaller investors who want to open an account with UBS Wealth Management have a number of options. They can put their money into a UBS Advice Portfolio, where minimum account size can be as low as $5,000. The managed portfolio program is a discretionary program, which means that your financial manager has full discretion to make investment decisions as he or she sees fit.

Another option is the Avisor Allocation Program. Similar to UBS Managed Portfolio, this is a discretionary program. However, it has a higher minimum account size at $25,000.

UBS also offers a number of non-discretionary programs, in which the client makes all decisions. These include PACE Select, which has a minimum account size of $10,000, and UBS Strategic Advisor, which has a minimum account size of $25,000. PACE is a mutual-fund-only program, so investments made through a PACE account are restricted to mutual funds. UBS Strategic Advisor is more flexible, allowing for investments in equities, exchange-traded funds (ETFs), fixed-income securities and other asset classes.

UBS also offers programs for institutions and high-net-worth individuals through UBS Asset Management. Minimum account sizes under UBS Asset Management begin at $15 million. UBS Asset Management employs an active management process, allocating assets based on a client’s particular goals and guidance.

The amount UBS Wealth Management’s clients pay in fees depends on the amount of money they have invested, as well as the investment strategy they are pursuing. Fees are generally payable on a quarterly basis. Most programs do not have a minimum annual fee.

For most UBS investment programs, the maximum annual fee is 2.50% of assets under management. This maximum rate applies to both the UBS Managed Portfolio Program and to UBS non-discretionary programs.

Other programs may have higher or lower annual rates, however. The UBS Advice Portfolio Program, for instance, has a maximum annual fee of 1.25% of assets.

The table below shows how UBS’ maximum annual fees compare to the national average. Keep in mind that these fees are estimates. Your actual fees will depend upon the vagaries of your specific account.

UBS also works with its clients to find third-party managers, with UBS serving as a matchmaker and consultant. One of these programs, ACCESS, gives UBS authority to hire a manager directly, while in the other, Managed Accounts Consulting, the client contracts directly with the manager, and UBS provides performance reports on your account.

For the latter, the relationship is directly between you and your financial advisor. That means that fees are negotiated between you and the advisor. In addition to the fees you pay UBS for arranging the relationship, you may end up with a higher total fee through this program, upward of 3% in some cases.

UBS is a large, multinational bank, with offices around the globe. This means that UBS financial advisors have access to a broad range of tools and research. On the other hand, it also means that UBS financial advisors may not have the flexibility of advisors at smaller firms to customize certain types of accounts. Therefore it’s important to make sure you understand the rules and limits of any particular program before signing up.

UBS has been subject to a number of disciplinary rulings in the past decade. Most recently, in September 2016, UBS was fined a total of $15 million by the SEC for actions regarding reverse convertible notes (RCNs). According to a UBS disclosure, the SEC order found that UBS “failed to reasonably supervise its RCN sales by failing to develop and implement adequate education and training for its Financial Advisors regarding certain aspects of single stock-linked RCNs.”

Other fines and censures have been levied against UBS by the state of Vermont, the U.S. Department of Justice, FINRA, the North American Securities Administrators Association and the Pennsylvania Securities Commission.

For example, according to another disclosure regarding an action brought against UBS by FINRA in 2012:

“FINRA alleged that the Firm failed to establish and maintain a supervisory system, including written procedures, reasonably designed to achieve compliance with NASD and FINRA rules in connection with the sale of non-traditional exchange-traded funds (ETFs) in accounts where the firm provided brokerage services to certain retail customers and the firm failed to provide adequate formal training and guidance to its registered representatives and supervisors regarding non-traditional ETFs.”

UBS does not favor a single investment philosophy, instead it offers its clients access to a broad range of philosophies and strategies. Strategic investment choices with UBS include:

Some financial advisors at UBS may incorporate their own investment philosophy into the advice they provide, so make sure to discuss investment approaches with your financial advisor.

There are a number of ways to open an investment account through UBS. If you would like to meet with someone face-to-face contacting your local UBS branch office or UBS-affiliated financial advisor is your best bet. UBS also has a tool on its website that can help you locate an advisor by city or name.

Or, you can simply enter your own contact information and optional information about the services you are looking for and UBS will select a financial advisor to get in touch with you.

Before opening an account with UBS, you will need to complete an Advisory Relationship Agreement and Application. This agreement covers all possible types of accounts that a client can open with UBS Wealth Management, so some of the information contained within them may be superfluous to any individual investor. However, this enables UBS to open additional accounts for you in the future without needing to complete replicate paperwork.

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