Individual Investor

Whether you become a part of the Unified Trust family or not, we want to know you. Because in a world where it can sometimes feel as though everyone is out for themselves, we believe the best investments come from putting your interests first. It’s why Unified Trust chooses to be a fiduciary, which means we are required by law to put the interests of our clients first in everything we do.


At Unified Trust, your goals are our goals.

We think you’ll enjoy getting to know our Wealth Management Services group. They are dedicated to helping individual investors reach their investment goals. We carry out that mission by offering our clients highly personalized service, expertise and a broad suite of plans and services, all focused on long-term solutions to meet your Wealth Management goals.

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Unified Trust can help you put your financial plan into action.

Developing a plan is just the starting point; financial success is best achieved when that plan is actively monitored, managed and adjusted to your changing lifestyle.


An investment process with your goals in mind.

At many investment firms, each advisor has their own investment philosophy. This leads to inconsistent and less-than-desirable outcomes for clients. At Unified Trust, we believe eight minds are better than one. Therefore, all investment strategies are established and overseen by our Trust Investment Committee.

This committee is comprised of senior leaders and highly credentialed investment professionals. The committee is responsible for evaluating macroeconomic factors and market conditions that influence our strategic investment decisions. You can rest easy knowing your portfolio is being managed by experts according to prudent investment standards.

Your investments at Unified Trust may change over time but our core philosophies will always be present in the strategies we use.

  • A diverse portfolio helps reduce risk.

    We believe clients should have a mix of stocks, bonds and cash investments. Allocating your savings across many investment categories allows you to participate in a variety of areas within the global economy, and helps spread your risk to avoid being overly concentrated in one segment of the market.

  • High quality investments can provide stability.

    We believe asset quality matters. Selecting investments with better historic track records helps your portfolio weather the ups and downs of the market.

  • Big costs can have a big impact.

    Studies show that keeping costs under control has a positive impact on performance over the long-term. We favor working with investment companies that share this philosophy and work to keep expense ratios, management fees and other costs to a minimum.

  • We actively manage your investments to your unique situation, goals and risk tolerance.

    We work with you to better understand your risk tolerance and your risk capacity. Through our managerial oversight and disciplined investment review process we help keep your portfolio on track during turbulent times. Whether in good times or bad, you can rest easy knowing Unified Trust is actively managing your investments.

  • A prudent review process.

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

  • Investing in your best interest.

    We offer an Open Architecture platform, which means unlimited access to investment fund managers, allowing us to consider virtually any prudent investment alternative for our clients.

Supporting you is what we do.

We are with you every step of the way to help you achieve your financial goals.

Rather than slog away in stressful, high pressure careers well into their 60s, many younger employees are checking out early once they have amassed a comfortable nest egg, then living frugally – extremely frugally in some cases – off annual investment earnings.

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.

I was recently talking with a good friend and mentor of mine about family and parenting. My friend has four children who are all very mature, responsible and hard working. I look at his kids and think he’s figured out the secret to parenting…..and I want to know what it is!

Just as LeBron is weighing his future options, investors are also trying to digest all of the recent economic data and geopolitical events to determine the future for financial markets.

The Roth IRA has been around for about two decades now and if you are closing in on your retirement date then it may be time to rediscover its benefits. I shared some thoughts on Roth IRA planning with reporter Rebecca Lake for an article in US News & World Report.

“Patrick, my daughter just graduated and is starting her new job. Can you help her with her 401(k) plan selections? Maybe give her some tips on budgeting, too?”

I was recently interviewed by a reporter from wanting my take on the growing number of retailers looking to enter the financial services industry.

I recently had the opportunity to speak with a reporter from CNN Money on the often debated topic about what comes first; paying down debt or adding to your savings nest egg. It’s a bit of the ‘chicken vs. the egg’ conundrum.

A recent MarketWatch article reporting that individuals are frequently posting details about their 401(k) balances on social media platforms, in a gloating manner nonetheless.

Imagine hanging out in Las Vegas playing your favorite casino game. Perhaps you are sitting at the hold’em table and the dealer flips the river card that gives you the win.

For most of the financial services world, it has been clear for some time that humans are irrational and act in ways that are not conducive to their own financial wellbeing.

There is a common phrase in the world of finance that ‘you can’t eat risk-adjusted returns’. Most people understand investment returns—making or losing money. Few people understand standard deviation, volatility, and risk-adjusted returns.

Like many thrill-seeking activities, the rush of shooting the rapids unleashes a full panel of “happy chemicals” which heightens our senses and keeps us coming back for more.

Did you grow up in small community, a close-knit town or (if you can remember it) before the internet was a factor? Back then a word and a handshake were stronger than any contract or service agreement.

Contact Us Today

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. When you become a part of the Unified Trust family, you’ll discover what our current clients already know: Fiduciary responsibility is not just a phrase in our brochure, it is our number one priority