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.
Whether you want to travel the world or stay close to home, your retirement should be exactly what you want it to be. Your employer sponsored retirement plan is a great place to start!
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.
YOUR RETIREMENT PLAN
Why do I need a retirement plan?
For most of our big purchases we ‘borrow’; mortgages, car loans, school loans, etc. However, the one thing we can’t borrow for is retirement.
Your Trusted Fiduciary
Unified Trust provides the highest level of fiduciary oversight to your employer sponsored retirement plan. Why is that important? A fiduciary is an individual or organization bound by law to act in your best interest. As your fiduciary, you can trust that everything we are doing is to help you be successful in retirement.
Founded by a Doctor
Dr. Gregory Kasten founded Unified Trust because he believed the financial services industry desperately needed an organization that would always look out for the best interest of the investor first and foremost; just like a doctor would look out for the best interest of a patient.
We Do More to Help You Succeed
Planning for retirement can be challenging. What is my goal? How much do I need to save? How should I be invested? That’s where Unified Trust comes in. As a discretionary trustee fiduciary, we are able to do more to help you be successful. We take an active approach to managing and monitoring your retirement plan. You simply need to stay in the plan!
YOUR FINANCIAL RESOURCE CENTER
The tools you need to organize your financial life.
In the Financial Resource Center, you will find quick-read articles, comprehensive planning guides, interactive financial tools, animated presentations and much more! Simply find your place on the timeline and click to connect you to your financial planning tools.
READY TO GET ROLLING?
When career changes happen, make sure your plan for retirement stays on track.
The Managed Rollover Solution is designed to help you do just that. Unlike most off the shelf rollover products, the Managed Rollover Solution is personalized to your specific situation, goal and time horizon. Ask your advisor about how the Managed Rollover Solution can help you achieve your goals or click below for more information.
YOUR FINANCIAL FUTURE
Unified Trust can help you put your financial plan into action.
Participating in a retirement plan is a great first step; however financial success is best achieved by looking at the big picture and developing a financial plan that considers all of your life’s goals and challenges. Unified Trust is pleased to offer you a personalized approach to planning for your future.
Your Customer Service Team
We are pleased to be able to assist you with your retirement account. Our team of friendly and professional customer service representatives are available Monday-Friday from 9:00am to 8:00pm EST. Reach them toll-free at (866) 680-7000.
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.
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?
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?
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.
You’re likely familiar with the idea of (or have personal experience with) a personal financial advisor. However, you may be asking what exactly a nonprofit financial advisor is and what do they do? You’re not alone.
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.