Retirement Services from Unified Trust Company, N.A.
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RETIREMENT
SERVICES

UNIFIED SUCCESS
PATHWAY®


UNIFIEDPLAN®

DEFINED BENEFIT
& CASH BALANCE
PLANS


DISCRETIONARY
TRUSTEE


TOUR
RETIREMENT
SERVICES


WHY UNIFIED TRUST

ADVISOR
SERVICES
What are your employees investing for?

At Unified Trust we have a proven record and time-tested solutions for helping people reach successful retirement outcomes. But it’s only possible because of our singular focus—everything we do is to help you achieve your long-term goals.

Retirement Services from Unified Trust, KY

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ACHIEVING RETIREMENT SUCCESS

Our objective is to help employees reach retirement age with enough money to last the rest of their lives. As simple as this sounds, surprisingly few individuals do the things necessary for success, such as setting a goal, joining the plan, saving more money as time goes on, investing sensibly, and staying on track with his or her account each year.

Instead, they get caught up in the day-to-day activity of investing and saving and lose sight of their ultimate goal—having enough money to retire comfortably.

At Unified Trust, we never lose sight of the investor's ultimate goal. As a national trust company, we have full fiduciary responsibility and we always put our clients first.

A COLLABORATIVE PROCESS

Creating successful retirement outcomes is a collaborative process that involves Unified Trust, plan sponsors, participants and the plan's Advisor. Our Advisors are financial specialists who work directly with plan sponsors. They share our commitment to fiduciary and participant service and play a critical role in developing successful retirement solutions.

PLAN OPTIONS

Our employer provided retirement plans fall primarily into three main administrative categories. Briefly, here's how they work:

The Bundled Model essentially provides “one-stop-shopping.” In this platform Unified Trust, along with the plan’s Advisor, provides all investment, management, recordkeeping, administration, and education services.

The Recordkeeping Model allows plan sponsors to work with local third-party administrators—in concert with Unified Trust—on plan design and administration.

The Trustee Only Model combines features from both the bundled and unbundled models. The third party generally provides recordkeeping, administration, and education services, while Unified Trust serves as the trustee of the plan.

UNIFIED SUCCESS PATHWAY®

The vast majority of retirement plans fail for one simple reason—they put too much responsibility on the employees. Our Success Pathway combines "intelligent defaults" with fiduciary oversight and targeted, intensive education and advice to improve participant success. In short, all the right things are done for employees automatically unless they opt out.

DEFINED BENEFIT & CASH BALANCE PLANS

For some, the ability to save more for retirement in qualified, tax-deferred manner is critical to achieving a successful retirement outcome. Our Defined Benefit and Cash Balance Plans are effective, innovative, outcomes-based solutions that do just that. They provide another source of retirement income, in¬creasing retirement security through in¬come diversification.

UNIFIEDPLAN®

Our founder, Dr. Gregory Kasten, personally created the UnifiedPlan and it’s unlike any other plan being offered today. Our approach starts by defining a retirement goal for each individual in a plan —70% of pre-retirement income. It then creates a personalized approach that makes it far more likely that the participant will achieve that goal. It's the only plan that can be counted on to more reliably produce an appropriate stream of retirement income.

For more information on our proven solutions for helping people retire successfully, call Lee Topley at (866) 296-6682 or email him at lee.topley@unifiedtrust.com.