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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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.


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.

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.

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.

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?

Recently on CNBC, financial experts took turns predicting the stock market and discussing how it is way over-priced due to the very bleak economic circumstances. During that same time frame, another half-dozen suggested the worst was over. How can experts be so far off?

You do not need to inherit a long-lost relative’s estate or even win the lottery to set yourself up for success, you just need to follow practical financial fundamentals and stick to it for the long-term. So today, let us celebrate “National Be a Millionaire Day” by looking at real-life millionaire money hacks.

Since the start of the pandemic that’s rocked the world, rattled the stock markets and significantly altered the way we live and work, what we’ve come to realize is that investing in community isn’t about money. It’s about seeing a need, realizing you are in a unique position to meet that need and then doing it, taking action!

Amid so much uncertainty, we should all follow the basic recommendations for relieving stress and practicing self-care. Here are some tips and recommendations for exercising control and managing risk that will ultimately provide for successful financial outcomes.

The global pandemic has created a very interesting, sometimes surreal, collection of experiences for many of us. We watch the investment markets flying in all directions with incredible volatility. It really is that ‘interesting time’ that we’ve all heard we would be living through.

Grab your popcorn, movie awards season is upon us! From year to year, the winning genre varies depending on trends, current events and even the whim of the audience. Not unlike the movie awards, investment categories also prove to be hard to predict which one will be the big winner for the year.

October is Financial Planning Month! Questions about charitable giving are asked quite often, especially around this time of year, and can easily be addressed in a personal financial plan.

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.

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