RETIREMENT ISN T THE FINISH LINE... IT S THE STARTING LINE. Unified IncomePlan

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1 RETIREMENT ISN T THE FINISH LINE... IT S THE STARTING LINE. Unified IncomePlan

2 I ve spent my whole life planning for retirement and now I have a plan that gives me the confidence to enjoy retirement.

3 YOUR GOALS ARE OUR GOALS. At Unified Trust, we don t just get you to retirement, we help you succeed in retirement. The needs of retirees are ever changing. Today s modern retirees face many challenges including inflation, increased healthcare costs and longer life expectancies. This has left many wondering: Have we planned for enough years of retirement? One in four retirees will live to reach age 96 1 and it s important that you to plan to be that one in four. The reality is that people are living longer and nest eggs need to go further. To help you achieve retirement success a more comprehensive approach must be taken and that s why Unified Trust created the Unified IncomePlan. UNIFIED INCOMEPLAN The goal of our Unified IncomePlan is to create a pension-like experience with your investments so you can enjoy your retirement knowing you have reliable income for life. We know that retirement isn t an off-the-shelf product or a one size fits all solution. Rather, success in retirement is achieved through careful planning which is personalized to your individual goals and circumstances. While there is always some investment risk, our team of investment and retirement experts adopt a strategy to manage the risk. We actively manage your investments with two goals in mind: maximizing income and minimizing risk. Retirement is a time full of changes. That s why we monitor your portfolio and spending plan on a regular basis so as your lifestyle changes your retirement income plan remains on track. Our goal is to help you achieve retirement success; success in building an adequate retirement benefit and success in maintaining a reliable source of retirement income. At Unified Trust, we don t just get you to retirement, we help you succeed in retirement. 1 Annuity 2000 Mortality Table; Society of Actuaries. Figure assumes a person is in good health.

4 Planning for a successful retirement has its own challenges. With so much to consider you can be sure that Unified Trust will help you build a plan and keep you on track. You and your family can have peace of mind knowing you have reliable income for life. SECURE INCOME FOR LIFE Since fewer retirees now have a traditional pension plan there s a lot more at stake. Living longer in retirement puts more pressure on your investments to be there when needed most later in life. The objective of the Unified IncomePlan is to provide you with secure income for life. You can rest assured knowing you should not outlive your money. KEEPING RISK UNDER CONTROL Even the most carefully laid plans hit a rough patch every now and then. Markets will always fluctuate and with little ability to make up for poor stock market performance, you want to protect your nest egg in retirement. The Unified IncomePlan is designed to protect your investments from the three main risks you face in retirement: sequence risk, inflation risk and longevity risk. A RETIREMENT PAYCHECK Managing your monthly budget can be quite a challenge when the paychecks stop. The Unified IncomePlan makes it easy to manage cash flow by establishing a link to your bank account and transferring funds from your investment accounts each month. It s like receiving a paycheck. FLEXIBILITY We know life is unpredictable. That s why working with your Fiduciary Investment Advisor and the team of retirement experts at Unified Trust is so important. You can count on your team to be with you every step of the way, providing the planning, the implementation and the ongoing monitoring to help your plan stay flexible should the unexpected occur.

5 INDIVIDUALIZED PLAN The Unified IncomePlan is your personalized retirement solution. It s a process that starts with you; understanding your goals, your lifestyle and your expectations for achieving an enjoyable retirement. We believe there are different stages of retirement. In the early years of retirement, retirees maintain their pre-retirement lifestyle; they continue to travel and visit family, and spend as they did before retiring. As time goes on, retirees begin to slow down and spending patterns change. The Unified IncomePlan accounts for these different periods to help make sure that the income is there when you need it. Our experienced retirement professionals will perform a thorough financial review of your: INVESTMENTS & OTHER FINANCIAL ASSETS TRUST & ESTATE PLANNING HEALTH CARE & INSURANCE LIFESTYLE SPENDING CASH FLOW PLANNING With your help and input, we perform a comprehensive analysis of your goals and develop a personalized plan that provides you with a reliable and sustainable income stream throughout your retirement. TAX-EFFICIENT PORTFOLIO MANAGEMENT Chances are you have a mix of different types of accounts investment accounts with a broker or advisor and tax-qualified accounts like a 401(k) plan or an IRA. Which do you draw from first? And how can you avoid unnecessary costs and taxes? The Unified IncomePlan takes all of this into account. We manage your investments in such a way to reduce income taxes. We make sure withdrawals may result in the least tax possible. After all, the less you pay in taxes the more you keep for yourself. DISCRETIONARY TRUSTEE As one of only a handful of national trust companies in the country today, Unified Trust serves its clients with full fiduciary discretion. This means we take a hands on approach to managing your investments so you can enjoy your retirement. As a discretionary trustee we must always use a prudent expert standard of care and we have a legal and ethical responsibility to always act in your best interest. Unified Trust was certified to the Fiduciary Practices for Investment Advisors by the Centre for Fiduciary Excellence (CEFEX) in October, To maintain our certification we submit to annual audits by the Center for Fiduciary Excellence.

6 Our goal is to help you get the most out of retirement. PERSONAL RETIREMENT TEAM Retirement is personal. It s not a toll free number, address or website. It s someone who s dedicated to making sure you get the most out of your retirement. That s why at Unified Trust you are assigned a personal retirement team, a highly experienced Fiduciary Investment Advisor and dedicated Associate Advisor to guide you through the retirement process. You ve worked hard to get to retirement. So, let Unified Trust help get you the most out of it. For more information on the Unified IncomePlan or any of our Wealth Management solutions, call or or visit Before investing it is important that you understand that securities and insurance products involve risk and may lose value. They are not FDIC insured or insured by any Federal government agency and are not deposits of, guaranteed or insured by Unified Trust. Asset allocation of your investments does not guarantee a profit or eliminate the risk of loss of value of assets. Unified Trust cannot guarantee that any participant will achieve a successful retirement. Unified Trust does not provide tax, accounting or legal advice, and information presented about tax considerations is not intended as tax advice and should not be relied upon for the purpose of avoiding any tax penalties. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors.

7 I ve worked hard to get to retirement and I have a team working hard to make sure I can enjoy retirement.

8 YOUR GOALS ARE OUR GOALS. Unified Trust Company, N.A Alexandria Drive, Suite 100, Lexington, KY tel (866) fax (859) May 2012 Unified Trust Company, N.A. U I P- 02