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UBP Family Office Solutions

Guided by our own values as an entrepreneurial, family-owned bank, at UBP we are committed to providing high-level guidance designed to protect, grow and manage your family’s wealth across generations.

Preserve and grow your family legacy

We engage families with emotional awareness and empathy, addressing challenges like succession planning, decision-making clarity, and next generation engagement. Whether you need a tailor-made governance framework, support in managing family dynamics, or strategic solutions for wealth preservation and growth, we help you turn complexity into clarity, so your legacy thrives for generations to come.

UBP remains in the hands of the de Picciotto’s, and is a leading family-owned bank. The second generation successfully took over full management in 2016. The third generation is now rising through the ranks, poised to shape the future. The fact that the shareholders are one family guarantees our solidity and the alignment of the shareholders’ interests with those of our clients: UBP is a bank built on legacy and long-term commitment.

Our Family Office Solutions Team provides you with one single entry point to a global perspective. With access to the full range of UBP's expertise, we provide our clients with institutional-level services. We build strategic and diversified portfolios reflecting your family’s purpose and DNA.

Our approach is rooted in trust, discretion, and close collaboration with carefully selected internal and external specialists. Every solution caters to each family’s unique values, priorities, and long-term vision. We are committed to providing attentive and personalised support for your family at every stage of our process.

Our goal is to create lasting peace of mind and ensure your family legacy is protected and preserved across generations.

"Managing a family-owned private bank has enabled us to acquire a better understanding of the responsibilities and complexities that the management of family wealth implies."

Edgar de Picciotto, Founder of UBP

A solid partner by your side

UBP is a forward-thinking bank that anticipates and innovates, providing you with the right solutions for now and for the future. Headquartered in Geneva, with offices in Switzerland and beyond, we have become one of the largest family-owned banks in the world. Our prudent and rigorous approach to risk and balance-sheet management has helped build a strong financial base.

 

Data as of 31 December 2024

Aa2

Moody’s long-term deposit rating

  • Nextgen Trainees

    80+
  • Investment specialists

    200+
  • Families

    150+

Our family office approach

Understanding your family’s DNA to shape a tailored strategy

We guide you in creating a tailored family roadmap by exploring family dynamics.

  • Family Genogram
  • Generational Workshops
  • Wealth Planning

Establishing family governance and guidelines to protect your wealth legacy

We focus on creating family guidelines that align with your family's goals and mission. 

  • Family Investment Committee
  • Investment Policy Statement (IPS)
  • Strategic Asset Allocation (SAA)

Ensuring financial security through reviews, controls, and monitoring

We focus on preparing your family for future endeavours with professional supervision.

  • Outsourced CIO (OCIO)
  • Investment Review
  • Risk Management 

Our holistic solutions

UBP Family Office Solutions offers a holistic approach centered around 3 dimensions: Human, Wealth, and Ecosystem.

The human dimension emphasises attentive listening and empathy to understand the Family DNA and craft personalised guidelines.

As a pure-play wealth and asset management bank, we provide institutional access through a team of over 200+ investment specialists.

Our ecosystem of trusted partners aims to simplify the selection process for external specialists by recommending efficient and secure providers.

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WealthBriefing Swiss Awards 2024
Best Family Office Offering

Your Family Office Solutions team

Monica Espinosa - Head of Family Office Solutions

Monica Espinosa
Head of Family Office Solutions

Monica has over two decades of experience in wealth management, having headed up services to EAMs and led change management initiatives. Among her qualifications she holds the CFWA and CFBA family wealth and business certifications from the Family Firm Institute (FFI).

Pierre Ricq - Senior Family Advisor

Pierre Ricq
Senior Family Advisor

Pierre leverages two decades of experience in private banking. He holds the CIWM and CWMA postgraduate certifications and has completed an executive program at INSEAD. Pierre leads the Family Officer Certificate program at ISFB.

06.10.2025

UBP Weekly View - US shutdown delays labour data

The US government shutdown, which began on 1 October, has delayed the release of the closely watched non-farm payrolls report. Other economic data published last week were downbeat, reinforcing our expectation that the Federal Reserve will implement two 25-basis-point rate cuts (on 29 October and 10 December) to counter labour market weakness. Meanwhile, negotiations over government spending between the Democrats and Republicans are set to continue in the run-up to the third-quarter earnings season.

06.10.2025

UBP House View - October 2025

Equities are priced to perfection, yet we remain constructive but cautious, while staying upbeat on gold, where we have raised our conviction rating to 5/5.

03.10.2025

From piano sonatas to private banking: How Teresa Lee’s journey shapes UBP’s Asian ambitions

From the resurgence of Switzerland as a wealth hub, the value of global diversification, and the personal journey that shaped Teresa Lee's leadership philosophy.

29.09.2025

UBP Weekly View - Markets brace for US labour report

Divergent remarks from Federal Reserve members combined with US macroeconomic data that was generally resilient have weighed on optimism for future rate cuts. Attention now turns to this week’s labour market report as a key gauge of job creation, while President Trump is set to meet Democratic and Republican leaders in an effort to avert a government shutdown.

22.09.2025

UBP Weekly View - Macro data to set the tone

Equities progressed following the US central bank’s 25 basis points rate cut to 4.00–4.25%, which helped fuel investor optimism. Alongside the Fed, several central banks, including the Bank of England (BoE) also met, with the latter leaving its rates unchanged at 4%. This week, attention turns to economic indicators.

16.09.2025

Gold moves to new all-time highs

In September, gold rose to new all-time highs, approaching USD 3,700 per oz. The upward move reflected several factors.

15.09.2025

UBP Weekly View - All eyes on central bank meetings

Equities advanced over the week on expectations of a first Fed rate cut on 17 September. Investors will scrutinise the Fed’s commentary for guidance on further potential cuts in October and December, moves which have largely been priced in by the markets. Policy meetings are also scheduled at the Bank of Canada (BoC), the Bank of England (BoE), and the Norges Bank, with the European Central Bank (ECB) having decided last week to leave its key rate unchanged at 2%.

12.09.2025

India: Steadfast amid rising geopolitical challenges

Trade tensions with the United States, marked by 50% tariffs on Indian exports, have dampened sentiment. However, despite trade-related uncertainties, the growth outlook has been revised upwards, reflecting India’s strong long-term potential.

09.09.2025

UBP House View - September 2025

The Fed now appears to prioritise labour market stability over inflation risks, prompting us to reshape our investment strategy and overall asset allocation.

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