Individual Investor

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.


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.

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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.


An investment process with your goals in mind.

At many investment firms, each advisor has their own investment philosophy. This leads to inconsistent and less-than-desirable outcomes for clients. At Unified Trust, we believe eight minds are better than one. Therefore, all investment strategies are established and overseen by our Trust Investment Committee.

This committee is comprised of senior leaders and highly credentialed investment professionals. The committee is responsible for evaluating macroeconomic factors and market conditions that influence our strategic investment decisions. You can rest easy knowing your portfolio is being managed by experts according to prudent investment standards.

Your investments at Unified Trust may change over time but our core philosophies will always be present in the strategies we use.

  • 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.

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.

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.

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.

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.

“Patrick, my daughter just graduated and is starting her new job. Can you help her with her 401(k) plan selections? Maybe give her some tips on budgeting, too?”

Recently I spoke with Andrea Coombes, a writer for, about retirement investing. NerdWallet provides online tools and advice to help people make better financial decisions.

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