October is Financial Planning Month! Questions about charitable giving are asked quite often, especially around this time of year, and can easily be addressed in a personal financial plan.
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.
WHY UNIFIED TRUST?
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.
We’re held to a higher standard.
As a fiduciary, we are bound by law to always act in your best interest; to do what’s best for you at all times.
Many financial institutions tend to avoid fiduciary status because they want to avoid the liability of being a fiduciary and the transparency that comes with it. But we’re different. We believe that transparency and trust go hand-in-hand. If an organization is unwilling to accept fiduciary status, how can you trust that they have your best interest in mind? This is just one of many reasons why you can put your trust in Unified Trust.
In 2006, The Centre for Fiduciary Excellence (CEFEX) certified Unified Trust as meeting its highest standards of Fiduciary Practices for Investment Advisors. Unified Trust was among the first Investment Advisors globally to successfully complete the independent certification process and the first trust company certified in the United States. To maintain our CEFEX certification we submit to annual audits by the Centre for Fiduciary Excellence.
We work to earn your trust.
Unified Trust is one of just 55 federally chartered trust banks in the United States of America. The United States Office of the Comptroller of the Currency (OCC) provides regulatory supervision of Unified Trust’s operations. The OCC conducts a thorough examination of our business practices every 18 months. In addition, we undergo five rigorous independent audits every year. These examinations ensure your investments and your relationship with us receive ongoing regulatory oversight.
We understand how important it is to have open communications with clients. You place your investments in our trust and we are duty bound to keep you informed about your progress, performance and costs. We’ve been transparent from the beginning. We were one of the first fee-based, full disclosure, discretionary investment managers in the country. We have always practiced full disclosure of our costs and fees. That is why you will receive a quarterly invoice simply for the purpose of making sure you are aware of the fees you are paying.
Transparency is also about eliminating conflicts of interests and maintaining impartiality with the companies we do business with on your behalf. We use an open architecture platform, which allows access to over 20,000 investment options. This gives us the breadth to select investments and investment managers whose philosophies and values align best with your goals. Any revenue sharing payments we receive from fund companies are passed on to you, providing a direct offset to your fees. This means investment selections are always made in your best interest, not ours.
WEALTH MANAGEMENT SERVICES
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.
IT ALL STARTS WITH DEFINING YOUR GOALS.
Your financial goals are as unique as you. We work with you to first define your goals and then tailor a personalized investment plan so you can achieve them. And developing a plan is just the starting point. A plan only achieves success when it is actively managed and monitored along the way. As your goals evolve, you can count on us to make sure the plans are in place to help you achieve financial success.
WE BELIEVE A HISTORY OF SUCCESS IS A CLEAR INDICATOR OF FAVORABLE OUTCOMES IN THE FUTURE.
At Unified Trust we understand the importance of investments that provide investors with a growing stream of income over time, but that also offer the peace of mind of knowing that you are investing in companies with a history of success. The Dividend Growth Portfolio consists of companies that have a meaningful, sustainable, competitive advantage. These companies have consistently grown their dividends over the years and have been excellent stewards of capital. We seek companies with rising dividends and potential capital appreciation, and we strive for higher returns on investments. We seek companies whose definable intrinsic values should continue to grow over time.
A PLAN FOR THE FUTURE.
Estate Planning is a process that starts with you – understanding your unique financial goals, reviewing your comprehensive estate, and identifying the needs of your family. At Unified Trust, we don’t just hand you an off-the-shelf solution. Instead, we offer you a hand in crafting a personalized estate plan that will serve your needs and those of your family.
SELECTING INVESTMENTS WITH YOUR GOALS IN MIND.
We offer a full range of investment management services and work with you to determine your risk tolerance and asset allocation. We use an open architecture platform which allows access to over 20,000 investment options. We are not tied to any product line, and we objectively evaluate every investment using fiduciary best practices. In fact, any revenue sharing payments we receive from fund companies are passed back to you to offset your fees. This means that investment selections are always made in your best interest, not ours.
KEEP YOUR RETIREMENT PLAN SAVINGS WORKING FOR YOU.
Planning for retirement is often a sophisticated, long-term process that may span decades, multiple employers and various lifestyle changes. The Unified Trust Managed Rollover Solution helps you keep your retirement savings growing while still protecting your tax-deferred status. Unlike many traditional rollover products, the Managed Rollover Solution includes an important financial planning overlay to personalize the experience to your specific situation, goal, and time horizon. Learn more today!
UNDERSTANDING YOUR GOALS WITH EFFICIENT TAX PLANNING.
Taxes are unavoidable, but with adequate forethought we can align your financial goals with efficient tax planning to minimize tax liability. Our advisors review your retirement and savings contributions to help ensure that they are the most tax advantageous.
YOU WORKED HARD TO GET TO RETIREMENT; WE ARE HERE TO HELP YOU GET THE MOST OUT OF IT.
Whether you want to travel the world or stay close to home, your retirement should be exactly what you want it to be. This is a time for you to enjoy all that you have worked for without having to worry about your funds running out.
The Unified IncomePlan® is your personalized retirement income solution. It’s a process that starts with you–understanding your goals, your lifestyle and your expectations for achieving an enjoyable retirement. With your help and input, our experienced retirement professionals will perform a comprehensive analysis of your goals, and develop a personalized plan that helps provide you with a reliable and sustainable income stream throughout your retirement.
YOU CAN PUT YOUR TRUST IN UNIFIED TRUST.
Our personal trust services include the administration of trusts and ensuring that those accounts are administered in accordance with the terms of the governing documents. Most trust arrangements provide for professional investment management and allow for the distribution of funds for various purposes.
MAKE A DIFFERENCE WITH ENDOWMENTS, CHARITABLE GIVING AND MORE.
From developing plans to leave a portion of your investments to charities, to carving out possible endowment or foundation accounts, we are here to help you make a difference and to do it in the most effective way possible.
PRUDENT INVESTMENT PROCESS
An investment process with your goals in mind.
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.
Your Team of Experts
A dedicated team of professionals, here for you.
A word from our clients
We have entrusted our financial future to Unified Trust Company.
My first thought was that Unified Trust has exceeded our expectations. This is quite true, but it seems a little formal. I think it is more accurate to say that you have created a level of trust that Mary and I consider exceptional; that you have added greatly to our understanding of retirement issues; that as a result we have entrusted our financial future to Unified Trust Company. We think that you have given the term fiduciary new meaning.
— Ralph & Mary H.
Unified Trust has been my financial "partner."
Since 1992, Unified Trust has been my financial "partner." Through their acumen and wise council- my children, grandchildren and I continue to reap the fruit of Unified's wisdom.
— Phil B.
Their track record over the years has been phenomenal.
We have been with Unified Trust for many years and would recommend them unconditionally! Our interactions with the advisors has been professional, yet personable. We have been able to work with our advisor to make sure that concerns about our financial future are addressed and feel very confident that everything is in place because he knows not only our finances, but knows our family and its needs. Their track record over the years has been phenomenal and we are happy that we chose Unified Trust!
— John & Delores B.
Unified Trust's commitment to client satisfaction is not just a goal - but a true day to day practice.
I work with Unified Trust for both my company and my family because the level of reliance and integrity they represent. The timely reports, market analysis and interaction they provide is very much appreciated in my busy schedule. Unified Trust's commitment to client satisfaction is not just a goal - but a true day to day practice. I have recommended Unified Trust to my friends, and they too have found Unified Trust is the company to utilize.
— Chris H.
Skill and Expertise
We have used Unified Trust and its predecessor companies as our primary financial advisors since the early 1990s and have witnessed its transformation into a premier investment institution with very few equals. The skill and expertise with which our portfolio was designed, managed and upgraded when needed has exceeded any organization which we have dealt with in the past. Unified Trust exists to meet the investment needs of its clients and in our experience has allowed as much involvement as we desire. Their staff does not hesitate to point out the advantages and disadvantages of any investment decisions and give specific advise based on their extensive market experiences and other financial areas.
— Jim & Terry P.
One of the things we value most is their personal attention to our needs.
My husband and I are long time clients of Unified Trust and couldn't be more pleased with their service and performance. One of the things we value most is their personal attention to our needs. Mr. Williams is always available to answer questions, give guidance and update us on our portfolio. We appreciate their honesty and integrity.
— Barbara L.
We would strongly recommend Unified Trust.
My husband and I have been long-term investors with Unified Trust. We chose Unified due to our confidence and trust in Dr. Greg Kasten and have been rewarded by solid investment portfolio growth and management over the years. Our current financial advisor endeavors to know his clients personally and tailors his investment strategy to accommodate our changing needs. We would strongly recommend Unified Trust to all who are seeking guidance in asset management.
— Sherrill T.
I needed the best of the best.
As a 401(k) pension consultant, I am familiar with a wide range of advisors. When it came to my money, my parents' money and my best friend's assets from the sale of his business, I knew I needed the best of the best. That is why I chose Unified Trust. Their commitment to the highest fiduciary principles, transparent fees and extraordinarily intelligent and unparalleled service are the reasons I, and the people I care about most, are with Unified.
— Sarah S.
I don't think I could ask any more of a financial institution.
Unified Trust has been my financial advisor, both personally and for my business, for many years. I feel they make a point to hire professionals who are knowledgeable about the complex financial world we live in. They always seem to be available for questions and advice and thanks to them, I feel I am on target to retire comfortably in the near future, I don't think I could ask any more of a financial institution or be more pleased with the service I have received.
— Edward T.
If you are over 70 ½ and have a traditional IRA or a qualified plan account like a 401(k), the tax rules require you to take withdrawals from your account annually. In most cases you pay income taxes on the RMD amount. But what you do with the distribution – the money itself – is your choice. Here are a few thoughts on what to do with your RMD.
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....
As a fiduciary, we at Unified Trust Company take pride in our goal-based planning approach. This is the game plan that helps clients achieve their goals by managing the downside risk and staying the course.
A recent survey asked foundations and endowments about how much risk they're willing to take to get their target return. Can you guess what the results found?
Like a complex recipe, planning for retirement can have a lot of ingredients with a lot of instructions. To enjoy a successful retirement, you need all the ingredients, in the right amounts and in the correct order.
On this date 75 years ago (June 6, 1944), the Allied Forces took on a task that some thought impossible – gaining a foothold in German occupied territory during WWII. In some ways, it feels as though investors and advisors alike are fearfully awaiting their own “D Day”. A day that we all know is eventually coming whether we like it or not - economic recession and bear market.
I can’t tell you how many times I was asked what I wanted to be when I grew up. I can’t tell you all the ways people my age planned to spend their fortune when they became a superstar. I can tell you, however, that not one of those people ever mentioned saving for retirement. That was the last thing on any millennial child’s mind. But, we’re adults now.
What’s the difference between a market storm watch and a market storm warning? What factors are we looking at? On any given day you can look at the radar and see some storms brewing somewhere in the country.
I’ve resisted overanalyzing my spending patterns for years, primarily because I was afraid of what I might find. But I recently embarked on the quest to discover what it costs to be me. And if I can survive the journey then you can, too.
How did you feel during the fourth quarter of 2018 as the global stock markets swooned? The experience should still be fresh in your mind. Did you resist the urge to bail out when you saw the markets dropping like the Roadrunner’s anvil?
A car accident may only cost you about $775 out of pocket while a hurricane or tornado may be 10 times that amount. Your earnings may be more volatile and unpredictable. To safeguard against shortfall, you may need to stash well over six months worth of your income into savings for greater peace of mind.
How are your resolutions holding up? Still making time for the gym? Any luck losing weight? A study shows merely 8% of people actually achieve their New Year's goals. It’s your life and you have more than a chance to succeed at achieving your goals, whether it be financial or otherwise.
From a weather stand point, people flock to their local grocery store buying all the bread and milk they possibly can (which I’ve never understood). From an investment perspective, you may be tempted to “get out of the cold” and sell when a market “polar vortex” comes.
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.
Just like in football, there are no shortage of predictions every year about the stock market. Trying to predict a short-term outcome has historically proven to be extremely difficult.
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.
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