If you read that title and immediately recognized the reference, this article is for you! It's time for us geriatric’s to embrace our 40s-ish and take full control of our financial future to ensure that our nest egg is well prepared to support a retirement lifestyle full of avocado toast, and Instagram-worthy vacations.
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.
COVID-19 & Your Finances
These are unprecedented times. It’s challenging our emotions, our health and the way we think about our finances. We, along with your advisor, are here to help you navigate this storm and keep you on track to achieving your 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.
It is not every day, heck not even every lifetime, that an opportunity to turn $10,000 into $100,000 in less than a month presents itself. All that needed to be done was scour through posts on WallStreetBets and invest in one of the four distressed, highly shorted companies it targeted. The caveat? You better know when to get out.
In Part 3 of our Roth IRA series, we talk about each stage of life and how to incorporate your Roth IRA into planning.
In Part 2 of our Roth IRA series, we discuss a few tips and techniques to help maximize the Roth IRA experience.
Periodically we like to remind readers of the benefits of a Roth IRA and extoll its virtues as a means for building and transferring tax-free wealth. Read Part 1 in our Roth IRA blog series!
Starting a new year inspires us to set new goals and look forward, usually optimistically, to a brighter and more productive future. For many, this includes tackling our overall financial wellness. In honor of #NationalFinancialWellnessMonth, here are a few tips on how to get started on your financial journey.
Famously, Ebenezer Scrooge was visited by the three notorious ghosts of his past, present and future, in hopes of learning from the error of his ways. So too, investors can look to their own specters to learn the lessons of successful investment planning and management.
“A diversified investment portfolio is like a fruit salad; you need more than just apples and oranges.” As hokey as that sounds there is a cherry pip of truth in it. A well-balanced, globally diverse mix of stocks, bonds and liquidity investments within your accounts guards against concentrated risk and smooths your path for long-term growth.
Sales and specials and limited time offers, oh my! It’s that time of year again when holiday shoppers are gearing up for the big gift giving season. Given the special circumstances we face today, traditional shopping and spending is so 2019.
As we approach year end, the holiday season provides a time for us to reflect on our health and happiness and make charitable gifts for those less fortunate. On this Giving Tuesday, I could not think of a better time to do so! While personal financial situations vary, luckily there are several strategies we can use to give charitably that benefits both sides.
As we approach the end of 2020, we can, with a slight sigh of relief, put the tumultuous year behind us and dare to look ahead. The holiday season and the prospect of a new year tend to bring a renewed sense of energy and hope. And I think we can all use a healthy dose of that these days!
Social Security. We pay into it but we’re constantly questioning if we’ll ever see that money when we need it. I was recently interviewed by PLANSPONSOR about how "Social Security Burdens Fall on Younger Workers" and it got me thinking. What are we young savers to do?
Saving for retirement in a pandemic: What you need to know to successfully contribute to a 401k and IRA this year
Many people often utilize borrowing techniques to help them achieve their financial dreams and goals. One thing we can't borrow is our retirement. During this year of uncertainty due to COVID, it's more important than ever to keep retirement in mind and contribute to a 401k and IRA.
Working with a financial advisor can provide many benefits for investors, especially during times of uncertainty, but it’s vital to do your homework before you hire someone. I recently added commentary for an article in U.S. News and World Report, outlining common mistakes investors make when hiring a financial advisor.
In a year where everything feels out of sync and in many ways out of control, there is no better time to celebrate and recognize October as National Financial Planning month.
On that sweltering Belmont Park afternoon in front 69,000 plus spectators, Secretariat delivered one of the most iconic moments in American sports history. While the last six months of stock market movement isn’t a “moment” in time we can all point to, it has most definitely been momentous for investors and non-investors alike.
Earlier this summer I was asked to submit a retirement investing tip for an article in US News and World Report. Ironically, just within the last few months, a niece and two of my nephews (ages 20-23) each asked me how to get started as well. I shared these five simple strategies with them.
If you’ve lately checked the headlines of most financial news sources, you’re bound to be somewhat confused. In a time of extreme uncertainty comes extreme takes on where the market is headed and what actions investors should be doing.
Retirement readiness takes years of careful planning and customized strategies. The rapidly-changing environment is prompting nearly everyone to reassess their lifestyle, spending habits, career plans and future goals. But for those nearing retirement, it might leave some to wonder if they have achieved or are close enough to their goal of retirement readiness.
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.
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