Disclosures

  1. Kasten, G. “The UnifiedPlan® Dramatically Increases Retirement Success”, 2016, ©Unified Trust Company
  2. https://www.cefex.org/rmark/CefexRegistration.aspx?qryRegistrationNumber=Si%2fuh65M3Ky7bpJ5g4vTiA%3d%3d
  3. UnifiedPlan® Disclosures
    1. Introducing the UnifiedPlan®: The UnifiedPlan® is a reporting tool designed to help individual investors understand whether they are on course to achieve a successful retirement. For individual investors who are planning for their own retirement, the tool helps estimate the annual savings required by the individual in order to meet their personal retirement spending goals and provides the individual investor with alternatives such as delaying their retirement or lowering their personal retirement spending for investors who may not be able to save the requisite amount. For investors who are already retired, the tool helps assess whether their portfolio will be able to sustain their desired spending throughout their retirement. The UnifiedPlan® tool uses a deterministic probability simulation that considers factors such as individual investor’s saving and spending levels, Unified Trust Company’s (“UTC’s”) long-term market expectations associated with the risk profile selected by the individual investor, the investor’s pre- and in-retirement time horizons, and other sources of outside personal income.
    2. Investment Data: Unified Trust Company, N.A. (UTC) gathers mutual fund and collective investment fund data from publicly available sources including but not limited to Morningstar or the mutual/collective investment fund companies’ own websites. © 2019 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. UTC takes reasonable care in collecting the data, and UTC believes the data to be accurate, but UTC reserves the right to correct any errors and/or deficiencies as soon as practicable, upon discovery by UTC. Individual mutual fund or collective investment fund performance data listed throughout the document represents the net of underlying fund expense ratios, but is the gross of add-on expenses such as Trustee fees, TPA fees, or advisory fees. The performance histories reported are simply dollar-weighted historical returns for the proposed fund investments and do not reflect the effects of any rebalancing and/or fund investment replacements.
    3. Mutual Fund Investments: Mutual funds are not bank deposits or obligations, are not guaranteed by any bank, and are not insured or guaranteed by the FDIC, The Federal Reserve Board, or any other government agency. Mutual fund investments involve risk, including possible decline and/or loss of principal. Mutual fund investment performance quoted reflects past investment performance and is not indicative nor can it predict or guarantee future investment results. Investment return and principal value will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Performance figures represent an investment made at the beginning of the reporting period. Results for investments made during the report period will differ. UTC obtains performance data information from sources UTC believes to be reliable, but UTC cannot guarantee the data’s completeness and/or accuracy.
    4. Limitations Associated with the UnifiedPlan®: The UnifiedPlan® tool’s limitations include, but are not limited to the large number of assumptions UTC must make in its analysis for the investor. The accuracy of UTC’s assumptions directly impacts the quality of the UnifiedPlan® tool’s assessment provided to the individual investor. Potential known problems and/ or deficiencies of the UnifiedPlan® tool presently include, but are not limited to, UTC’s use of the investor’s personal financial data provided to UTC which may later prove to be inaccurate or incomplete, the investor’s selection of a risk tolerance that does not represent how the investor’s portfolio is actually invested, the investor’s long term market expectations of risk, return, and inflation that are not achieved in the modeled time frame, UTC’s inclusion of the investor’s future personal income in UTC’s analysis that is never received by the investor, and unforeseen personal life emergencies that require decreased personal saving before the investor’s retirement, the investor being forced to retire earlier than originally planned, or the investor’s increased spending needs during their retirement. Differences will likely exist between prospective and actual investment results because events and circumstances frequently do not occur as expected, and those differences may be material in the investment outcome, particularly because investment performance estimates are made over extended time periods. All projected figures and investment performance data are reflected in current (inflation adjusted) pre-tax dollars, as of the date of the investor’s enrollment in the plan and initial use of the UnifiedPlan® tool. The estimated inflation rate used in this analysis is based upon a capital market forecast developed by UTC. 

      Certain participant circumstances may have a material impact on individual retirement projections and on actions that the UnifiedPlan initiates with respect to your (the participant’s) account. Such circumstances could include, without limitation, deferral rates that are not constant throughout the year, and/or annual historical compensation figures that have varied materially, inconsistency of the timing or amounts of compensation, information regarding personal investments, additional income or other personal circumstances supplementing the information above or affecting the above analysis. In addition, the actual Social Security benefit received in retirement may be different from the estimated value used for projections. Such circumstances should be communicated to and discussed with your Plan advisor or Unified Trust Company.
    5. Investor/Participant Success is Not Guaranteed: The UnifiedPlan® tool’s portfolio changes for each participant are governed by the Plan Document, the Benefit Policy Statement and the Investment Policy Statement for the investor’s own Plan. Investor/ Participant success is the Plan’s primary goal but is not guaranteed. UTC is a professional, independent fiduciary focused on managing retirement plans for the benefit of participants and beneficiaries, with a focus on achieving the highest possible rates of participant success. But, ultimately, success depends upon the decisions and abilities/capabilities of each investor/ participant and other factors beyond the control of both investors/participants and fiduciaries, including UTC. As a result, the investor/participant’s investment success is not and cannot be assured and/or guaranteed by UTC. Neither the Plan Sponsor nor UTC guarantees that any participant will achieve a successful retirement.
    6. IMPORTANT: The projections or other information generated by the UnifiedPlan® tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Projected growth of assets is based upon UTC’s projected future modeled returns and the asset allocations of the investor’s portfolio for the investor’s goals. The graphical representations are an approximation derived from the pertinent events and assumptions tied to the investor’s goal. Please note that indices are not managed, indices do not incur management fees or expenses, and investors cannot make directi nvestments in indices. UTC bases risk assessments upon both Modern Portfolio Theory (“MPT” standard deviation risk) and Post Modern Portfolio Theory (“PMPT” downside deviation risk).
    7. Investment Diversification: UTC believes that a well-balanced and diversified investment portfolio will help achieve an investor’s long-term retirement security. Assuch, UTC feels the investor should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. UTC believes that spreading aninvestor’s assets among different types of investments can help the investor achieve a favorable rate of return, while minimizing the investor’s overall risk of losing money. Consequently, UTC believes that certain market or other economic conditions that cause one category of assets, or one particular security, to perform very well can likewisecause another asset category, or another particular security, to perform poorly. If you invest more than 20% of your retirement savings in any one company or industry, your savings may not be properly diversified. Although diversification is not a guarantee against loss, UTC believes diversification is an effective strategy which helps theinvestor manage investment risk. In deciding how to invest retirement savings, UTC believes the investor should take into account all of the individual’s personal assets, including any retirement savings held outside of the Plan. UTC believes that no single approach is right for all investors because, among other factors, individual investor shave different financial goals, different time horizons for meeting their goals, and different tolerances for risk. UTC also believes that it is important for the investor toperiodically review their own investment portfolio, personal investment objectives, and the investment options available under the Plan to try to ensure that the investor’sretirement savings will meet their personal retirement goals. For more information regarding individual investing and diversification, please visit the Department of Labor’s website at https://www.dol.gov/agencies/ebsa/lawsand-regulations/laws/pension-protection-act/investingand-diversification. UTC believes that a well-balanced and diversified investment portfolio will help achieve an investor’s long-term retirement security. As such, UTC feels the investor should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. UTC believes that spreading an investor’s assets among different types of investments can help the investor achieve a favorable rate of return, while minimizing the investor’s overall risk of losing money. Consequently, UTC believes that certain market or other economic conditions that cause one category of assets, or one particular security, to perform very well can likewise cause another asset category, or another particular security, to perform poorly. If you invest more than 20% of your retirement savings in any one company or industry,your savings may not be properly diversified. Although diversification is not a guarantee against loss, UTC believes diversification is an effective strategy which helps the investor manage investment risk. In deciding how to invest retirement savings, UTC believes the investor should take into account all of the individual’s personal assets,including any retirement savings held outside of the Plan. UTC believes that no single approach is right for all investors because, among other factors, individual investor shave different financial goals, different time horizons for meeting their goals, and different tolerances for risk. UTC also believes that it is important for the investor to periodically review their own investment portfolio, personal investment objectives, and the investment options available under the Plan to try to ensure that the investor’s retirement savings will meet their personal retirement goals. For more information regarding individual investing and diversification, please visit the Department of Labor’s website at https://www.dol.gov/agencies/ebsa/lawsand-regulations/laws/pension-protection-act/investingand-diversification.

Contact Us Today