Products and Services
Business Retirement Plans
Savings Incentive Match Plan for Employees (SIMPLE) IRAs
Both employee and employer contribute to this retirement option. Employees are 100 percent vested from the start, however there are steeper penalties for withdrawing from the account within the first two years of participating.
Simplified Employee Pension (SEP) IRAs
A simplified employee pension plan (SEP) is a deferred-compensation arrangement. A SEP can be set up by employers and those who are self-employed, as well as by sole proprietorship's and partnerships.
401(k), Profit Sharing and 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 best serve both your short- and long-term needs.
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 the 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 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.
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.
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.
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.