Financial Professionals

No one knows your clients and their financial goals better than you, and no one can help you and your investors achieve those goals better than Unified Trust. We specialize in qualified retirement plans and have operated in a fiduciary capacity since 1985. We use our unique role as a discretionary trustee to help you improve outcomes, and work hand-in-hand with Advisor Partners to accomplish a common mission: to help people reach their retirement goals. That's a responsibility we take seriously.

Helping clients achieve retirement success doesn’t have to be difficult.

Unified Trust can help you improve retirement outcomes in a way that is measurable, effective and scalable. Interested in learning more?

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  • Behavioral finance tells us that most people follow the path of least resistance. Therefore, we believe that the default path for a participant should be the one that most likely leads to success. We call this philosophy the Unified Success Pathway®. These intelligent defaults include:

    • Instead of choosing to join, participants are automatically enrolled and must opt out if they choose not to participate.
    • The Unified Progressive Savings Program®enables plan participants to automatically save a little bit more each year.
    • The default investment is a diversified model portfolio, prudently managed by investment professionals.
    • Periodic rebalancing is handled automatically for participants.
  • The Success Pathway lays the foundation. For plans looking to build on that foundation and deliver personalized solutions for each employee, there is the UnifiedPlan® Managed Account Solution3. The UnifiedPlan® is retirement made easy.

    • A Defined Goal: It starts with defining a goal for each participant: to replace 70% of pre-retirement income, adjusted for inflation and targeting as close to the normal Social Security retirement age as possible. We then default into the least amount of risk needed to succeed, making adjustments as needed along the way.
    • The Personalized Plan: We create a personalized plan to improve the likelihood that the participant will reach his or her goal. The plan is highly individualized – we look at many possible solutions to find the one that’s best. Each participant gets a plan that’s unique to his or her situation, current savings and assets, and projected years until retirement.
    • Actively Monitored and Managed: We review each participant’s situation every quarter to make sure they have a prudent asset allocation and their funded ratio is on track to meet their retirement goal. If investment changes are needed, we make them automatically.
  • Unified Trust is not just a 401(k) provider. We offer a full array of ERISA services including those for ERISA §403(b) plans; 457(b), Cash Balance plans and traditional Defined Benefit Plans.


    A Defined Benefit or Cash Balance Plan can provide plan sponsors and their participants with an additional means of saving more toward retirement in a qualified, tax deferred manner. They also provide another source of retirement income by increasing retirement security through income diversification.

  • As a discretionary trustee we are held to the highest standards of accountability for our record-keeping and administrative services. We have detailed, documented processes that are independently audited and consistently followed. We offer a flexible approach:

    • The Fully Bundled Model provides a personalized, full service option for Plan Sponsors looking for a comprehensive retirement plan solution. In the Fully Bundled Model, Unified Trust – along with the plan’s Advisor – will provide investment management, record-keeping, administration, and compliance and education services consistent with the plan’s services agreement.
    • Our Unbundled or Record-keeping Model allows Plan Sponsors to work with local third party administrators, in concert with Unified Trust and the plan’s Advisor on the design and administration of the plan.
    • The Trustee Only Model combines features from both the Bundled and Unbundled Models. The third party generally provides record-keeping, administration, and education services, while Unified Trust serves as the trustee of the plan.
  • Managing your plan’s administrative requirements can be cumbersome and can slow sponsors down from focusing on running their business, so we developed Admin Assist to provide sponsors with help in fulfilling the daily demands of the retirement plan. Our Admin Assist fulfillment service allows sponsors to outsource delivery of certain plan participant notices.

  • While participants may feel a job change warrants an investment change, the reality is that for many it may be in their best interest to stay in the plan both in regards to fees and investment options such as stable value.  Regardless of which direction they choose, we understand that asset retention is likely an important aspect of your business model.

    The Rollover Wizard makes it easy for participants to learn about their options.  With just a few simple questions, the wizard will help a participant review their rollover options, outline the features and benefits of each model and immediately deliver a personalized outlook.

    Ready to see a demo? Click here to see the Rollover Wizard in action!

  • From investment management to retirement income solutions our team of experts are here to assist you, the advisor, in delivering customized financial solutions to your individual investors. Our role as a fiduciary and discretionary trustee carries over to our Wealth Management services as well, so you can rest assured that we are always acting in your client’s best interest. Learn more

Your Solutions

Move the needle with an innovative suite of solutions.

We have a "history of firsts" that have improved the chances of successful financial outcomes for our clients2. It's not about taking risks, it's about advocating for progress and change to remain a leader in our industry. We know that the success of our solutions comes from our fiduciary responsibility to always put the interests of our clients first.

Delivering Successful Retirement On Your Terms

Retirement is unique, as is the path to achieving it. Each company, plan and all of its participants have a different path towards achieving their retirement goals. This is why at we take a curated approach to retirement success. We work with financial advisors to design an outcomes-driven, technology-enabled retirement plan solution that will meet your client’s unique needs.

  • Our proprietary Unified Fiduciary Monitoring Index® gives us a balanced, long-term evaluation of each investment, relative to its peers.

  • Open Architecture – unlimited access to investment fund managers at the plan level – allows us to consider virtually any investment alternative, providing it is prudent and meets the plan’s Investment Policy guidelines.

  • Stable Value is an investment option that focuses on capital preservation with a goal of bond-like returns without the bond-like volatility. For more information on our DCIO MetLife Unified Trust Stable Value Fund, click here.

  • We understand the importance of having an investment solution that accounts for changing market conditions, allowing for growth in good markets and defending against losses during major downturns. The Wealth Preservation Portfolio is a series of risk-based asset allocation funds that we offer exclusively for defined contribution and defined benefit plans.

  • As a discretionary trustee, Unified Trust has a duty to be loyal and to always act in the best interest of the participants. For this reason, we’re fee-based and take a no-conflict-of-interest approach. 


At Unified Trust, participant success is our compass.

Retirement success is best achieved with a holistic approach delivered by a discretionary trustee where all of the right things are done for the participant. An integral component of that is the implementation of a prudent investment process.

Advisor Support

Improving Outcomes: The Tangible Value Statement

It’s important to quantify your time. Consider your average-sized plan and number of participants; factor in the plan service time per year and set a goal of meeting with a percentage of the plan participants. What’s the result? On average, just a few minutes each quarter to do all the things necessary to help each participant improve their outcomes.

There is a better way. When you work with Unified Trust, you are working smarter, not harder. You’re able to quantify and deliver outcomes and get hours back in your day. Unified Trust becomes an extension of your team, developing, implementing, documenting and reporting on participant success, all within the framework of our fiduciary oversight as discretionary trustee.

Interested in learning more about you can deliver improved retirement outcomes in way that’s measurable, effective and easy?

A Snapshot of Success

There are many organizations that will talk about retirement success but very few can or will quantify it. At Unified Trust, we have a record and time-tested solutions for helping people reach successful retirement outcomes, and we have the results to show for it! We’re proud to report these results to you, because these aren’t just percentages and statistics, they are actual people. Percentages mean nothing, people mean everything!

Advisor Solution Center

Enjoy access to education resources, marketing materials and more.

Advisors that work with Unified Trust will have access to our Advisor Solution Center. In the Advisor Solution Center you will find brochures, marketing pieces, whitepapers, multimedia files, sample documents, and more.   Many of these pieces have co-branding functionality. This is also where you would customize and order enrollment kit materials.

To access the Advisor Solution Center, please login to your Advisor Account at the top of the screen. If you do not have one, you can  request an Advisor Account.

Explore The Advisor Solution Center

Financial wellness can be defined in many ways given how encompassing of a concept it is. A simple definition is the ability to have a healthy financial life in the present and in the future. January is National Financial Wellness Month. If you are a plan advisor or plan sponsor, now is a good time to start a conversation with your retirement plan service provider about developing a financial wellness strategy for employees.

For the last 30 years or so, the retirement industry at large has done a good job at hiding or complicating fees so that only the savviest of investors have a chance at finding them. Here are 5 questions you need to ask your provider about plan fees.

We’ve all dreamed of winning the lottery and sailing off into the sunset footloose and fancy free! In celebration of National Lottery Day, which just so happens to be today, we’ve put together a few steps to take to help make your dreams become reality.

Estate planning can be overwhelming. Before you make an appointment with your attorney it’s a good idea to look at your situation and if needed, talk to your advisor. Here are some tips on how to get your financial matters organized.

I was recently reading Skin In The Game by Nassim Taleb and was captivated by a chapter in the book titled, “The Merchandising of Virtue.” In that chapter, Taleb discusses the importance of virtue, or colloquially, what you do when no one is looking. To be, rather than to seem. This maxim is particularly relevant to the retirement plan services industry and fiduciary duty.

Since the start of the pandemic that’s rocked the world, rattled the stock markets and significantly altered the way we live and work, what we’ve come to realize is that investing in community isn’t about money. It’s about seeing a need, realizing you are in a unique position to meet that need and then doing it, taking action!

In honor of the greatest movie franchise of all time, my favorite movie ever, some of the best characters to grace the silver screen, the best quotable lines, the first love of my life (Princess Leia) and of course today’s date, I give you this blog post…

The last 45 days feels like we’ve been punched in the mouth. We all had plans, we all had strategies to grow our practice, grow our clients, grow our savings and SMACK, a right hook to the jaw that changes everything. What do we do now? There are so many unanswered questions.

The term relájate (pronounced: rreh-lah-ha-tay) is a Spanish command which, calmly, implores you to relax. It’s a word I came to know while living in the laidback Yucatan peninsula of Mexico over a decade ago. When you say it, you feel its meaning. This is a feeling participants in Unified Trust’s UnifiedPlan® Managed Account Solution, can embrace.

The global pandemic has created a very interesting, sometimes surreal, collection of experiences for many of us. We watch the investment markets flying in all directions with incredible volatility. It really is that ‘interesting time’ that we’ve all heard we would be living through.

While there are many fiduciary roles, the key concept to grasp is the difference between a discretionary trustee and a directed trustee. If you can understand this distinction, you should be able to help turn fiduciary confusion into fiduciary clarity. There are five things you need to know....

If you think about your current expenses, most of them are monthly. You receive a monthly mortgage/rent bill, a monthly phone bill, a monthly car bill and so on. You likely budget other variable expenses like gas, groceries and spending money by the month. So why is it when it comes to retirement, everything is a lump sum?

The classic Abbott and Costello comedy skit, Who’s On First?, used a play on words to teach the names of the players of the baseball team. The peculiar names of the players—Who, What, I don’t know—result in a back-and-forth conversation full of confusion, perplexity, and, by the end of the skit, notable irritation. Sound somewhat familiar?

As the retirement plan industry continues to evolve, many financial advisors find themselves struggling with their retirement business. I have spent the last 10 years of my career dedicated to assisting plan advisors in all aspects of their qualified plan business. Here is what I’ve learned.

Having not listened to or learned from the experience and wise counsel of others, sadly it takes many American workers most of their careers before they realize that they are not in position to retire in a way in which they had hoped.

Social Security will be there for us, perhaps in a different form or amount, but there. The real question for the retirement plan community is how to use it with pre-retirees in the accumulation and planning phases of their life.

Got five minutes? The topic of this blog post is covered in our Fiduciary Five Podcast series hosted by Chuck Hammond of the 401(k) Study Group. The Fiduciary Five Podcast…your fiduciary questions, answered in about five minutes.

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Whether you have a question you'd like us to answer or a brilliant idea you're ready to share, the team at Unified Trust is here to listen.