Resources

A collection of resources to help you on your financial journey.

Financial Resource Center

The Unified Trust Financial Resource Center gives you access to the tools you need to organize your financial life. You will find quick-read articles, comprehensive planning guides, interactive financial tools, animated presentations and much more! The Unified Trust Financial Resource Center provides a single source of financial information for all age groups.

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News

Fiduciary Investment Advisor, John Deglow, and Digital Advice Manager, Mike Samford, recently spoke with U.S. News & World Report with some retirement investing tips and the power of compound interest.

When we look at how the pandemic will impact Social Security for younger generations of workers, Fiduciary Investment Advisor Karen McIntyre told PLANSPONSOR: “If we are entering into a period of prolonged recession, we could see a generation of stunted workers unable to grow their income in a meaningful way to ensure maximum benefits at retirement age.”

How is the DC plan industry continuing to innovate and reshape plans to better serve participants, especially during a pandemic? Founder and CEO Dr. Gregory Kasten told PLANSPONSOR the crisis is shining a light on plan shortfalls, but highlights one aspect that is working: automatic plan features.

Library

In the Unified Trust Library you will find a collection of white papers and articles on a variety of financial issues relevant to today's investor.

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.

Estate planning can be overwhelming. Before you make an appointment with your attorney it’s a good idea to look at your situation and if needed, talk to your advisor. Here are some tips on how to get your financial matters organized.

I was recently reading Skin In The Game by Nassim Taleb and was captivated by a chapter in the book titled, “The Merchandising of Virtue.” In that chapter, Taleb discusses the importance of virtue, or colloquially, what you do when no one is looking. To be, rather than to seem. This maxim is particularly relevant to the retirement plan services industry and fiduciary duty.

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!

In honor of the greatest movie franchise of all time, my favorite movie ever, some of the best characters to grace the silver screen, the best quotable lines, the first love of my life (Princess Leia) and of course today’s date, I give you this blog post…

The last 45 days feels like we’ve been punched in the mouth. We all had plans, we all had strategies to grow our practice, grow our clients, grow our savings and SMACK, a right hook to the jaw that changes everything. What do we do now? There are so many unanswered questions.

The term relájate (pronounced: rreh-lah-ha-tay) is a Spanish command which, calmly, implores you to relax. It’s a word I came to know while living in the laidback Yucatan peninsula of Mexico over a decade ago. When you say it, you feel its meaning. This is a feeling participants in Unified Trust’s UnifiedPlan® Managed Account Solution, can embrace.

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.

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