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1 Glenn Kessler, “Do 10,000 baby boomers retire every day?” The Washington Post, July 24, 2014. 2 Andrea Fisher, “The Rising Millennials,” UBS CIO WM Research, January 9, 2015, p.1. 3 “Generation D, An emerging and important investor segment,” Accenture Consulting, February 6, 2013. 4 Christopher Donnelly and Renato Scaff, “Who are the Millenial Shoppers?” Accenture Outlook.

Stuart C. McLeod and Camille Valentine are Financial Advisors with UBS Financial Services Inc. in One Post Office Square, Boston, MA 02109. UBS Financial Services Inc. Financial Advisors engage Worth to feature this article. 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 the distinctions between our brokerage and investment advisory services, please speak with your Financial Advisor or visit our website at ubs.com/workingwithus. The strategies and/or investments referenced may not be suitable for all investors. The views expressed herein are those of the author and may not necessarily reflect the views of UBS Financial Services Inc. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

Little McLeod Valentine Group atUBS Financial Services Inc.Stuart C. McLeod, Senior Vice President, Wealth ManagementCamille Valentine, Senior Vice President, Wealth Management

Here come the Millennials— is your portfolio ready?By Stuart C. McLeod and Camille Valentine

As prosperity broke out fol-lowing World War II, more ba-bies than ever were born in the United States. From 1946 to 1964, the “Baby Boomers” grew to some 76 million strong and eventually laid claim to the cre-ation of the “consumer society.” Today, 10,000 boomers retire every day and continue to influ-ence trends from healthcare to housing. But there’s a new kid in town and investors should pay attention.1

Those 88 million new kids are the Millennials. Also known as Generation Y, these young people are the demographic cohort born between 1980–1999. By 2025, they will com-prise more than 25 percent of the population.2

As a group, Millennials are the most highly educated citizens in U.S. history and keenly aware of social and environmental chal-lenges globally. They are also

tech-savvy consumers, utilizing social media to compare prod-ucts, prices and reviews online.

As investors they are skeptical of stability in the housing, job and financial markets. In a recent survey by Accenture, 43 percent of Millennial respondents (ages 21–30) described themselves as “conservative” investors, ver-sus 31 percent of Baby Boomer respondents (ages 46–70)!3

As advisors, we might em-phasize that Millenials will likely have the longest life ex-pectancy in history and there-fore need substantial assets to support a long retirement.

While they are admirably saving early, their savings are often allocated largely to cash, which is “safe,” but with inter-est rates near zero, returns are low. These young investors have the least to fear from market vol-atility, given the multiple mar-ket cycles they will experience.

Indeed, they potentially have the most to gain from investing for long-term growth.

On the other side of the equa-tion, companies catering to Millenial needs, wants and val-ues present major investment opportunities. Indeed, being aware of the significant influ-ence Millennials have will be increasingly important from an investment perspective.

Millennial spending is ex-pected to grow from $600 bil-lion in 2013 to $1.4 trillion annually by 2020.4 So, whether they deal in innovative tech-nologies, from social media to on-demand entertainment, or wellness products, from or-ganic foods to athletic apparel, or e-ecommerce, companies that capitalize on Millennial-driven investment themes have the potential to thrive in com-ing years. Is your investment port folio prepared?

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Financial Services Experience McLeod, 28 years; Valentine, 28 years

Assets Under Management $750 million

Largest Client Net Worth Con� dential

Primary Custodian for Investor Assets UBS Financial

Website www.ubs.com/team/boston

Minimum Fee for Initial Meeting None required

Minimum Net Worth Requirement $2.5 million (planning services)$1 million (investment services)

Compensation Method Asset-based and � xed fees (planning services); asset-based and commissions (investment services)

Professional Services Provided Planning, investment advisory and money management services

Email stuart.mcleod@ubs.com camille.valentine@ubs.com

Little McLeod Valentine Group at UBS Financial Services Inc. One Post Office Square, 33rd Floor, Boston, MA 02109 617.261.2550

Stuart C. McLeod

For more than 25 years, the team of financial professionals at Little McLeod Valentine Group has been providing a select clientele of affluent families with personalized portfolio management and wealth planning through every market condition. With the expertise to manage their clients’ complex financial needs and a commitment to engage each generation, they offer skilled management, thoughtful advice and education dedicated to building long-term relationships. Stuart C. McLeod and Camille Valentine are both seasoned investment professionals who have spent years refining their skills to better serve the wealth management needs of successful individuals and their families. They are passionate about investments, have a thematic investment philosophy and are well schooled in technical analysis. These core capabilities and a commitment to collaborate with their clients’ other advisors ensure a comprehensive and disciplined approach to their clients’ wealth management and planning.

About Stuart C. McLeod and Camille Valentine

Stuart: A leisurely Sunday brunch with my wife and a couple of newspapers

Camille: Fresh cut flowers in the house all year long

MY FAVORITE INDULGENCE…

How to reach Stuart C. McLeod and Camille Valentine

We welcome the opportunity to begin a partnership committed to your financial success and can be reached at 617.261.2550.

Camille Valentine

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“Companies that capitalize on Millennial-driven investment themes have the potential to thrive in coming years.”— Stuart C. McLeod and

Camille Valentine

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Little McLeod Valentine Group at UBS Financial Services Inc. is featured in Worth® 2015 Leading Wealth Advisors™, a special section in every edition of Worth® magazine. All persons and firms appearing in this section have completed questionnaires, have been vetted by an advisory group following submission by Worth®, and thereafter paid the standard fees to Worth® to be featured in this section. The information contained herein is for informational purposes, and although the list of advisors presented in this section is drawn from sources believed to be reliable and independently reviewed, the accuracy or completeness of this information is not guaranteed. No person or firm listed in this section should be construed as an endorsement by Worth®, and Worth® will not be responsible for the performance, acts or omissions of any such advisor. It should not be assumed that the past performance of any advisors featured in this special section will equal or be an indicator of future performance. Worth®, a Sandow Media publication, is a financial publisher and does not recommend or endorse investment, legal or tax advisors, investment strategies or particular investments. Those seeking specific investment advice should consider a qualified and licensed investment professional. Worth® is a registered trademark of Sandow Media LLC. See “About Us” for additional program details at http://www.worth.com/index.php/about-worth.

Stuart C. McLeod Senior Vice President, Wealth Management

Camille Valentine Senior Vice President, Wealth Management

Little McLeod Valentine Group atUBS Financial Services Inc.

One Post Office Square, 33rd FloorBoston, MA 02109Tel. 617.261.2550

stuart.mcleod@ubs.comcamille.valentine@ubs.comwww.ubs.com/team/boston