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.
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 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.
A recent survey asked foundations and endowments about how much risk they're willing to take to get their target return. Can you guess what the results found?
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.
What’s the difference between a market storm watch and a market storm warning? What factors are we looking at? On any given day you can look at the radar and see some storms brewing somewhere in the country.
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.