Steven N. Spence

Operates as a bank holding company whose subsidiary provides banking services

UBS Financial Services' asset allocations are based on a proprietary methodology. In developing those allocations, the firm considers asset class risk and return results that are based on estimated forward-looking return and risk assumptions, as measured by standard deviation, which are based on UBS proprietary research. The development process includes a review of a variety of factors, including the return, risk, correlations and historical performance of various asset classes, inflation and risk premium.

Functions as a College/University

State chartered commercial bank

Operates fisheries conservation programs

Orcas Island Community Foundation (OICF) is a 501(c)(3) nonprofit organization dedicated to enhancing the quality of life on Orcas Island by supporting local nonprofits and community initiatives. The private company is based in Eastsound, WA. Established in 1995, OICF facilitates charitable giving through various methods such as cash, securities, real estate, donor advised funds, bequests, and memorials, and manages over $26 million in pooled funds with a focus on fiduciary responsibility and socially responsible investing. The foundation offers programs and resources to strengthen the nonprofit sector, including grant programs for leadership and professional development, the GiveOrcas campaign, and capacity building services like workshops, coaching, strategic planning, and operational support. OICF provides educational opportunities, practical resources such as meeting spaces and technology tools, and acts as a convener among donors, nonprofits, businesses, and government entities to address community needs. The foundation supports nonprofits serving critical needs such as food security, senior services, and healthcare access, and engages donors and volunteers through transparent communication channels.