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United Wealth Management: A Holistic Approach Centered Around You

United Wealth Management delivers a personalized total solution for each of our clients.  We oversee client assets in excess of $5 billion, an amount that provides you access to opportunities you expect from a global financial institute while still allowing us to deliver the personal service you expect from your local bank. With over one hundred dedicated professionals, you and your family have access to a full range of wealth management experts.

What Sets Us Apart:

  • A Focus on Customer Service - You will work directly with our advisory team to assess your tolerance for risk and develop a customized long-term financial plan for the accumulation, protection, and transfer of your assets. In order to maintain a high level of service, we limit the number of clients each adviser serves.
  • Asset Management You Can Trust - We earn your trust by managing your family's affairs with the utmost care. We provide total transparency in our investment choices and do not engage in any relationships where United Bank is compensated for selecting one manager over another. As a result, our clients know all of our investment decisions are performance based.
  • The Strength of an Independent Bank - United Wealth Management is part of United Bank, an independent financial institute with a 175 year history of commitment to the communities we serve. Our relationship with the bank gives clients access to over 130 offices in Virginia, Maryland, West Virginia, Ohio, Pennsylvania, and the District of Columbia. Professional staff including attorneys, accountants, and financial specialists with a variety of certifications are available to assist our clients.

United Wealth Management draws on our foundation of customer service, objective asset management, and the strength of our institution to build customized solutions. Your solution will encompass three phases of personal wealth management - accumulation, protection, and transfer.

  • Wealth Accumulation - Our advisers put your money to work by developing an investment plan that meets your long term goals.
  • Wealth Protection - We assist you in determining the resources you need for your lifetime and establishing contingencies for family, partners, and shareholders in the event that your earnings capacity changes.
  • Wealth Transfer - We help you plan your business succession and estate in a manner that delivers assets to the people and organizations you designate in the most tax-efficient way possible.

Not FDIC Insured | May Lose Value | Not Bank Guaranteed
This information is not legal or tax advice and past performance is no guarantee of future performance.

Wealth Accumulation: A Tailored Investment Plan

Our Approach

  • We Listen: We listen to your thoughts regarding your goals, current needs, existing investments, and tolerance for volatility.
  • We Analyze: We review the information and provide feedback on the balance of risk and return in your current portfolio and the optimal levels of each.
  • We Build: We build a portfolio structured to meet your needs.

Our approach to Asset Accumulation: Mastering the Art & Science of Portfolio Construction

  • The Science - Portfolio construction is founded on the principals of Modern Portfolio Theory. Optimization and allocation models are used to provide a framework for informed portfolio management decisions.
  • The Art - Optimization models left on their own can generate portfolios that work quantitatively, but are difficult to implement or are inconsistent with your risk tolerance. As a result, we will carefully modify selected model constraints and inputs based on the current state of capital markets, your objectives, and your viewpoints.
  • The Plan - The design and implementation of a successful client portfolio is a combination of quantitative techniques and qualitative professional judgments.

Not FDIC Insured | May Lose Value | Not Bank Guaranteed
This information is not legal or tax advice and past performance is no guarantee of future performance.

Wealth Protection: Identifying Your Risks

Our Approach: Protecting You & Your Family from Risk

Risk may appear from many different sources. We utilize an array of solutions to protect you, your family, and your business.

Our Solutions Include:

  • Strategies that generate a stream of income for your lifetime.
  • Personalized pension plans.
  • Protection of assets from future litigation.
  • Providing income to your family.
  • Providing an exit strategy for your business in the event of death or disability.

Not FDIC Insured | May Lose Value | Not Bank Guaranteed
This information is not legal or tax advice and past performance is no guarantee of future performance.

Wealth Transfer: Ensuring your Legacy is Realized

Successful individuals work hard to accumulate wealth and protect it throughout their lifetime. But they often fail to address key concerns about the transfer of wealth which may lead to increased taxes, frustration, and uncertainties for their heirs. It's not hard to understand why there are many questions and the answers aren't always easy to find:

  • Do I shift assets during my life or do I wait until they pass at my death?
  • Can I shift some assets now but retain control over them for a period of time?

  • How will I divide my assets fairly among my heirs while addressing personal family dynamics?
  • How much will it cost me and my heirs to transfer family wealth?

Some people spend more time planning their next vacation than planning their estate. Our job is to keep you focused.

Not FDIC Insured | May Lose Value | Not Bank Guaranteed
This information is not legal or tax advice and past performance is no guarantee of future performance.

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