Retirement Planning

• Accumulation Phase
• Transition Phase
• Income Phase

Insurance Planning/Services

• Life Insurance (Universal Life, Whole Life, Term)
• Long Term Care (Traditional, Hybrid)
• Free Insurance reviews and appraisals

Investment Management

• Model based investment strategy
• Flexible, dynamic and disciplined approach 
• Diversification across asset classes and managers using factor based analysis and investment themes
• Ongoing portfolio risk management

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Business Owner Planning

• Customized Financial Planning
• Cash Flow
• Tax Planning
• Retirement funding strategies
• Key Man Protection

Wealth Management System

• Organized/Consolidated Financial Picture
• Assets and Liabilities Updated Nightly
• Convenient Storage and Retrieval of Important Financial Documents

College Planning

• Early stage accumulation strategies
• Late stage admissions and funding strategies

Tax Planning

• Business Owners
• Rental Property Owners
• W-2 Wage earners
• Investment tax harvesting

Debt Reduction Planning

• Strategies designed to help improve Cash Flow through reduced payments
• Strategies designed to help accelerate payoff of mortgage(s) 

Cash Flow Planning

• Improved Cash Flow Strategies to Fund Financial Objectives
• Strategies designed to help improve finances through targeted use of available dollars
• Debt Consolidation

Estate Planning

• Financial and Investment strategies for Family Trusts/Irrevocable Trusts/Fiduciaries
• Gifting Strategies
• Organized Financial Affairs

Unified Wealth Advisors and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.