SWITCHING FROM UBS
Switching From UBS? Here's What Actually Changes.
UBS lost dozens of advisor teams, managing tens of billions in client assets, to recruiting offers at competing firms in 2025. If your advisor's team has moved firms before, or could again, that's worth factoring into how you think about the stability of the relationship.
No commitment. No sales agenda. 30 minutes.
HOW UBS IS ACTUALLY STRUCTURED
Programs, Fees, and Minimums.
PACE Multi
$5,000 minimum, mutual funds only.
Strategic Wealth Portfolio / Strategic Advisor
$25,000 minimum, separately managed accounts, mutual funds, and ETFs. A $1.5M-$2M household would typically be placed in a discretionary program at this tier.
Tax return preparation
UBS materials consistently direct clients to consult their own tax or legal advisor; tax return preparation is not part of the advisory relationship.
HOW THE INCENTIVES WORK
What's Publicly Documented About Gathering Assets.
None of this is a secret. It comes from UBS's own disclosures and industry trade press. It's worth understanding because it explains how the relationship is structured, not because any individual advisor is doing something wrong.
- UBS advisors are paid on a production grid; UBS raised 2026 payout by half a point for advisors producing $1M-$3M annually and pays up to 60% (among the industry's highest rates) to advisors producing $20M+, per Financial Planning trade press.
- UBS has offered recruiting packages reportedly worth 500%+ of trailing production to try to stem advisor departures. At least 54 teams (132 advisors) managing roughly $51.8 billion in assets left UBS in 2025, alongside $14.1 billion in net client outflows in the fourth quarter, per AdvisorHub.
- Notable teams that left UBS for competitors in 2025 include a $3.7 billion team and a $1 billion team, both to Morgan Stanley, and an $805 million team to Merrill, illustrating how client accounts move with recruiting economics.
Households per advisor: One third-party estimate (SmartAsset) cites roughly 116 clients per UBS advisor, versus an industry-wide median cited around 235 households; treat as an estimate, not a UBS disclosure.
WORTH ASKING DIRECTLY
Three Questions for Your Current Advisor.
01
Has your team changed firms recently, or is there a realistic chance my account moves again soon?
02
How much of your 2026 compensation came from a recruiting package versus ongoing service to existing clients?
03
What's the actual, all-in advisory fee I'm paying today?
WHAT'S DIFFERENT AT SINGH PWM
A Fixed Fee. No Asset-Gathering Incentive. One Person.
Singh PWM charges a flat annual fee that doesn't change based on how much of your money you bring over, doesn't pay Raman Singh more for recruiting your account from another firm, and includes tax return preparation under the same Enrolled Agent who builds your retirement plan. The practice also caps its total client base at roughly 55 to 60 households, on purpose, well below the loads described above.
BRING YOUR CURRENT STATEMENT
In a 30-minute Strategic Fit Interview we'll walk through what UBS is actually charging you and providing, side by side with what changes here. No pitch. No sales agenda.
No commitment. No sales agenda. 30 minutes.
About This Page
Fee, program, and minimum figures for UBS are drawn from that firm's own public disclosures and third-party financial-advisor review sources as of mid-2026, and can change. Compensation and recruiting figures are drawn from industry trade press, including AdvisorHub, Financial Planning, RIABiz, and InvestmentNews, and from the firm's own compensation disclosures where cited directly. Figures described as estimates are exactly that, not the firm's own published statistics.
This page describes general program characteristics and publicly reported industry facts. It is not a recommendation for or against UBS or any specific advisor there, and it does not reference any specific client relationship. Verify current fees, minimums, and disclosures directly with UBS or at adviserinfo.sec.gov before making any change.
Singh PWM is an independent fee-only Registered Investment Advisor. Investment advisory services are provided under a fiduciary standard at all times. Tax preparation services are provided by Raman Singh, EA. Custody is held at independent third-party custodians.