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Lazy. Entitled. Narcissistic. Spendthrifts. Digitally obsessed. Google the term "Millennial" (ages 21-36), and these are some of the words you will find to describe this generation. But our research of over 1,000 Millennials shatters those stereotypes. We see investors who are extremely conservative, savers not investors, and not nearly as self-directed as one would expect. And they worry about their parents' financial health and futures as much as they worry about their own.

The "stretch IRA" is not a type of IRA; it's a wealth-transfer strategy. If you don't anticipate needing all of your IRA assets to provide income in retirement, you may be able to stretch your IRA assets to benefit your spouse, children and grandchildren. The stretch strategy begins with your UBS IRA. It is important to work with your Financial Advisor to properly designate your beneficiaries and ensure they understand how the stretch IRA strategy works. The benefits of stretching your IRA - Throughout the life of the IRA, you and your beneficiaries will enjoy the benefits of tax-deferred growth on the assets. - You and your beneficiaries have the opportunity to receive an income stream over the longest allowable period until the IRA assets are eventually exhausted. - If beneficiary designations are properly set up, your IRA passes directly to your heirs, giving them access to that money without potential time delays and fees. Related Article: Millennials Are as Financially Conservative How it works Once you reach age 70½, you are required to withdraw annual required minimum distributions (RMDs) from your traditional IRAs. The amount of your RMDs is based on two factors: your IRA account value and your life expectancy. Since both factors change every year, so will the amount you are required to distribute. The IRA begins to be "stretched" when it passes to your primary beneficiary upon your death. In most cases, a younger spouse can roll your IRA over to their own IRA to "reset" the RMD formula to refl

Looking past uncertainties in Russia, the U.S. and China to capitalize on broader growth For investors, uncertainty can be a strong impetus to retreat to perceived "safe havens." However, in today's financial markets, there's no longer such a thing as true "safe havens." Moreover, if investors are able to look past these uncertain events in a broader context, they will see significant long-term opportunities, according to the Chief Investment Office Wealth Management Research (CIO WMR) in the latest UBS House View: Investing through uncertainty. Russia and Crimea-where uncertainty can yield opportunity While recent volatility of events in the Ukraine region has the potential for devastating effects on energy supply and demand in the area, and the broader eurozone economy, CIO WMR believes that significant escalation in this conflict is unlikely, given the strong mutual dependence on oil and gas commerce between the West and Russia. One long-term opportunity that could emerge for investors is in Russian equities, which are trading more than 10% lower in March than in February 2014. CIO WMR believes the strongest near-term opportunities, however, are in reducing holdings in traditional "safe havens" such as the Swiss franc, Japanese yen and high-grade bonds. Source:STORIFY.COM

We are a professional and focused five-person team with a century of combined experience in the financial services industry. We strive to deliver world-class service to our clients. Our premier team emphasizes integrity, trust and service by placing an unconditional focus on the client as well as his or her needs. We leverage the global breadth and depth of UBS while maintaining the heart and soul of a two-person organization. Exceptional service for discerning investors - We are The Lexington Group. Advice. Beyond investing In today's economy, good financial advice has never been more critical. That's why it's so important to partner with a team of dedicated Financial Advisors who are committed to listening to you, understanding your concerns and helping ensure all aspects of your financial life are aligned. We'll strive to be your personal advocates and provide you with advice that is tailored to your unique circumstances and all you'd like your wealth to achieve. We look forward to helping you embrace your financial future with confidence. Plan The confidence to pursue all your life's goals starts with a plan. Planning is the road map for the financial future you envision. It's the first step in our ongoing conversation with you to develop a clear, actionable and flexible plan based on your needs. Whether you're looking to save more intelligently, access your money more efficiently or borrow more strategically, a comprehensive financial plan from your UBS Financial Advisor will give you more confidence in your ability to meet your goals over time. Only about one-third of Americans have a financial plan. Talk to your UBS Financial Advisor today about the importance of having one or click an area below to explore solutions that help address your entire financial life. Source: The Lexington Group