Founder and CEO Dr. Gregory Kasten discussed the effects of COVID-19 on retirement plan litigation. "If you get into a prolonged decline, where it’s quarter after quarter of losing results, and you see a lot of participants losing a lot more money than you thought, you will see litigation from that."
A collection of resources to help you on your financial journey.
Financial Resource Center
The Unified Trust Financial Resource Center gives you access to the tools you need to organize your financial life. You will find quick-read articles, comprehensive planning guides, interactive financial tools, animated presentations and much more! The Unified Trust Financial Resource Center provides a single source of financial information for all age groups.
According to our new Chief Revenue Officer Micah DiSalvo, more financial advisers are tailoring their advice to the Millennial and Gen Z workforces. He recently told PLANADVISER, "We’re seeing advisers trying to connect on their terms, whether that’s through technology, social media, education, motivation, it’s all centered around how advisers can connect and transcend that message to Gen Z."
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. Fiduciary Investment Advisor Angela Coleman shares some tips to consider when hiring a financial advisor.
We are excited to announce that, subject to regulatory approval, Unified Trust will be joining the American Trust team! This strategic partnership will not only extend the reach of our products and services, allowing more individuals to be successful, but it will also improve the resources, capabilities and experience we can deliver to our existing clients.
401(k)s remain a central component to many Americans' retirement plans and the vehicle holds many benefits for savers. Institutional Retirement Consultant Monika Hubbard recently published an article on BenefitsPro about three often-overlooked benefits that all savers should be aware of.
There is a lot that goes into being a fiduciary financial advisor, from adhering to various regulations and restrictions to a complete dedication to acting on behalf of our client’s best interest. It’s a responsibility we take seriously here at Unified Trust, as fiduciary investment advisor Billy Lanter recently discussed with U.S. News & World Report.
In the Unified Trust Library you will find a collection of white papers and articles on a variety of financial issues relevant to today's investor.
- The Real Measure of 401(k) Plan Success
- The UnifiedPlan® Dramatically Increases Retirement Success & Improves Plan Cost/Benefit Structure
- The Actuarial Solution Matrix - Unified Trust
- Using the Cost Benefit Ratio to Measure 401(k) Plan Value
- Why the UnifiedPlan® Is So Effective in Improving Outcomes
- Evaluation of UnifiedPlan®
- ERISA 403(b) Lawsuits
- Comments on the Tibble v. Edison Decision
- Fiduciary Discretion: A Plan for Improving Outcomes
- Third Party Fiduciaries: Myth and Reality
- Will the Real Fiduciary Please Stand Up
- Deconstructing the Discretionary Fiduciary Models - Unified Trust
- Unified Trust is Certified for Fiduciary Excellence
- The Benefit Policy Statement: Designing the Defined Goal
- The Full Fiduciary Standard of Care - Unified Trust
- The Retirement Income Purchase - Unified Trust
- Employee Enrollment Meetings Must Progress - Unified Trust
- Fiduciary Must Be More Effective in Converting the Accumulated 401(k) Into a Reliable Lifetime Income Stream
- Defined Contribution Plans - Unified Trust
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.
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.
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.
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.
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.
In the world of investing, four of the most dangerous words you can ever say are, “This time is different.” Throughout history, experts have warned “this time is different” when facing various crises that in their opinion render historical precedent, flawed at best and irrelevant at worst. The amount of history being witnessed right now does lead one to ask the age-old question: is this time different?
Events like we have seen in early 2020 leave many investors wondering: Is volatility management part of my plan for retirement? And if not, what do I need to do to make that happen?