Products and Services
Investments and Investment Holding Accounts
We offer a variety of investment vehicles designed to help your money accommodate your life journey. Our advisors will interview you thoroughly to figure out your needs and goals. We then create an investment strategy that is highly personalized and continually evolves with you.
Brokerage and Advisory
These accounts allow you to buy, sell and hold your investments. The type of account you select will determine the costs associated with your individual account. We’ll carefully discuss all of your options and any questions you have prior to uniting in a working relationship.
Mutual Funds, ETFs, Common Stocks and Bonds
These are the most common investments used by our clients, but other options are available. Though each carries risk, when united together, they all can be used to help create a balanced portfolio.
Fixed, Fixed Indexed and Variable Annuities
Annuities can serve many different purposes including guaranteed rates of return, tax deferral, guaranteed income, death benefit and many others. We’ll share with you the various situations in which these make for an appropriate investment choice.
Withdrawals made prior to age 59 ½ are subject to 10% IRS penalty tax. Surrender charges apply. Guarantees are based on the claims paying ability of the issuing insurance company. Variable annuities are subject to market risk, may lose value and may also include fees and other expenses.
Tax Qualified Investment Accounts
Tax savings means more money in your pocket. So whether you are setting up retirement plans or college education accounts, be sure to take advantage of the many tax savings opportunities available to you. We’ll show you how. Our knowledgeable advisors will assist you in choosing the most appropriate accounts for your life or business.
Traditional, Roth, SIMPLE and SEP IRAs
Each of these options provides some type of tax advantage for you or your employees. Let us educate you on the options that fit your individual situation. Trust us to help guide you toward the best solution for your financial well-being.
Coverdell and 529 College Savings Accounts
We can assist you in establishing accounts to save for college costs for your children or grandchildren through these tax-advantaged savings accounts.
401(k), Profit Sharing & Money Purchase Plans
These retirement plans provide greater benefit to employers and employees. We offer strategic advice to help you understand which retirement plans are appropriately suited for your company’s situation. Consider us a valuable resource and one that is always responsive to your needs.
Retirement Planning Services
When you take advantage of our retirement planning services, you’ll find that you have more answers about your future than questions. We’ll provide strategies on how to coordinate and optimize your income in retirement to serve both your short- and long-term needs.
Fee-Based Asset Management
We’re dedicated to building trusting relationships and providing you with advice suitable for your situation, which is why we offer fee-based asset management. Our advice is based on what we feel is most appropriate for your situation and adds the most value to you, therefore our compensation is not determined by the investment choice.
Income Planning in Retirement
Once you decide to retire, it can be difficult to adjust to the idea of not receiving a regular paycheck. Our skilled advisors will use the latest personal planning tools to create a strategy to help you work toward maintaining your lifestyle in retirement. First we’ll develop an income strategy and then match you with the investment options designed with the goal of helping generate the right amount of income from your retirement portfolio.
Social Security Income Coordination
Take full advantage of the wealth of Social Security benefits available to you. Our advisors will share valuable insight such as when might be an appropriate time to file for increased income and maximized security for both you and your spouse throughout your entire retirement.
Pension Plan Income Coordination
Your payout typically depends on how long you worked for your employer and on your salary. When you retire, you can often choose between a lump-sum payout and a monthly annuity payment. Our advisors will assist you in choosing what’s appropriate for your situation to help you and your family throughout your retirement years.
Estate Plan Coordination
No matter how big or small the value of your estate, every person has an estate. We’ve assisted innumerable clients with their estate management needs, as well as their deceased family members’ estates. We have the knowledge to help you successfully manage yours, and we can’t emphasize enough how important it is to get prepared now. One of the most important things you can do to maintain your long-term wishes for your estate is to update your beneficiaries. We will consult with you and your attorney to confirm that all parties are working together in your best interest.
Income Tax Coordination
While we are not tax advisors, we will work with your accountant to maximize tax advantages or limit tax liabilities to the greatest extent possible. Our services allow you to capitalize on all available opportunities.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
United Wealth Management | 616.559.4611
900 East Paris Avenue, Grand Rapids, MI 49546 | 1131 West Superior Street, Wayland, MI 49348
Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA / SIPC . Insurance products offered through LPL Financial or its licensed affiliates.United Bank and United Wealth Management are not registered broker/dealers and are not affiliated with LPL Financial. The investment products sold through LPL Financial are not insured United Bank deposits and are not FDIC insured. These products are not obligations of United Bank and are not endorsed, recommended or guaranteed by United Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.
This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financial’s U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.
Investment products and services available only to residents of Arizona, Arkansas, Colorado, Florida, Illinois, Indiana, Michigan, Missouri, Ohio.
Fee-based investment advisory services available only to residents of Michigan, Ohio.
UNITED WEALTH MANAGEMENT is licensed to sell insurance products in the state of Michigan.