Thru the EM Consumer’s Eyes

Grassroots research convinced us that the emerging consumer theme is far broader than most realize

Income Tax Playbook

Actionable strategies that can help investors realize better after-tax outcomes

BERNSTEIN PERSPECTIVE

SELLING YOUR BUSINESSGet what you need, while keeping your long-term wealth goals at the forefront

MARKET PERSPECTIVE

SAFETY BACK IN STYLE?Investors have been retreating to “safe harbors”—a trend we don’t expect to continue

ALL THE RIGHT MOVESHelp assure a secure retirement with our latest research on meeting its challenges and opportunities

BERNSTEIN PERSPECTIVE

OUR APPROACH INVESTMENTS RESEARCH

Bernstein.com

Enhancing Your Online Experience

Working with clients, we recently enhanced Bernstein’s Private Client website to make it more contemporary, customized, and user-friendly. While your favorite features remain, we’re delighted to share what’s new, including:

State-of-the-art security so you can browse with confidence

Relevant research right at your fingertips

Custom “My Bernstein” portal—a new gateway to your account

Sophisticated planning tools to facilitate sound decision-making

Greater connectivity so your experience is as seamless as possible

This brochure is your guide to the redesigned site— highlighting old favorites as well as what’s new!

˂ HOME PAGE ˃Your home page is still your entrée to the rest of the site— it’s just reorganized to highlight client favorites.

From this page, you will be able to:

Explore Bernstein’s client-centric approach and its impact on your investments.

Learn about specific investment strategies that might be right for you.

Visit our centralized research page for valuable insights.

Jump to a specific research piece by scrolling through the carousel.

Access the “My Bernstein” portal for a holistic view of your account(s).

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˂ PuTTinG "MY BERnSTEin" TO WORk fOR YOu ˃

One of the most noticeable additions, “My Bernstein” acts as a central clearinghouse for detailed account information. We’ll explore this functionality in detail on the next few pages.

Note that your account value is displayed prominently, although research remains easily accessible, too.

View your account in context, on a spectrum between conservative growth and growth.

Understand how your portfolio mix is divided between return-seeking, risk-mitigating, and diversifying assets.

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for your convenience, you can jump to anywhere on the site by using My Quick Links or the main navigation links.

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˂ DivE DEEPER inTO YOuR AccOunTS ˃

For more detail on your portfolio, click on “Accounts” at the upper right of the page. From here you will find a broad array of information ranging from performance to holdings and sector breakdowns.

View total earnings, along with year-to-date/since-inception performance versus benchmark returns.

Explore a short video with quarterly commentary on the markets.

Access richer supporting data and analytics under the “Asset Class,” “Portfolio,” and “Holdings” tabs.

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˂ cOMPARE YOuR RESulTS ˃

Clients value our sophisticated planning tools, so we made them even more accessible. Clicking on “My Plan” lets you compare how you are doing relative to your plan. The “Projection” tab lets you pre-experience the types of annualized returns your current asset mix might generate going forward.

track actual returns against projected returns in typical, great, and hostile markets.

Visit the “Interact” tab, where you can explore hypothetical scenarios based on inputs you choose.

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˂ Greater ConneCtivity* ˃

In redesigning the site, we sought to make your client experience as seamless as possible. Now it’s even easier to contact your Bernstein Advisor and handle the most common day-to-day requests.

Customize your address and preferences, while shoring up already strong security, under “My Profile.”

Use “My Professionals” to update contact info for your accountant and attorney—and allow us to send documents on your behalf.

Use “My Subscriptions” to select the relevant Bernstein publications you wish to receive.

Use “My IRA” to track required minimum distributions.

Centralize everything under “My Documents” and “Tax Center” while authorizing certain transactions using e-sign.

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*Available spring 2015

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© 2015 AllianceBernstein L.P. All rights reserved.

The [A/B] logo is a service mark of AllianceBernstein and AllianceBernstein® is a registered trademark used by permission of the owner, AllianceBernstein L.P.

This publication is for use only with the private client business of Bernstein Private Wealth Management.

Bernstein does not provide tax, legal, or accounting advice. In considering this material, you should discuss your individual circumstances with professionals in those areas before making any decisions.

˂ On THE GO ˃

Along with all of these exciting new features, we’ve made Bernstein.com portable, optimizing the site for mobile devices like smartphones and tablets. Conveniently view your account anytime, and from any device, with complete ease and security.

Tips to Make It Your Own

Build customized account groupings

Obtain year-end tax reports

View account activity daily

Download much of the data site-wide

bernstein.comBER–1164–0115

A Word About Security Communications between your computer/device and the Bernstein website are encrypted using 128-bit SSL encryption, the Internet-standard secure connection protocol. SSL is used by all leading financial and e-commerce websites to ensure secure online access.

Note: The screenshots shown throughout this brochure are for illustrative purposes only. The data provided are not intended to represent actual performance or current investment strategies.