NYSAR’s newest Member Perks partner, UBS Financial Services, helps you reduce your taxable income and save for retirement with Independent 401(k) plans. Designed with the flexibility to decide whether to contribute and how much on an annual basis, you have the ability to borrow against your own retirement savings both tax-free and penalty-fee. Through NYSAR’s partnership, you’ll pay a minimal annual fee of only $25 for your account. Visit the Retirement page of NYSAR.com or contact Christopher Michelsen, financial advisor at UBS Financial Services, at 212-626-8515 for more details and to enroll now. Click here to register for the "Tax and Retirement Planning for REALTORS" webinar on Oct. 27.