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Wealth Management

A Relationship That Goes Beyond Investing

Your financial future is our priority.

Wherever you are in life, we’ll meet you there, helping you define and shape your financial goals. Our team of Wealth Management Advisors builds long-term relationships, offering planning services to new investors, growing families, empty-nesters and people enjoying retirement.^♣ Each life stage comes with different goals and obligations. We take time to understand your situation so you can enjoy your achievements.

Meet Your Team

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Early Career

You’ve landed a job and you’re building a career in your 20s and 30s. There’s a lot on your plate right now. If you recently graduated college, you could be managing student loan payments, along with all the other expenses that come with the early stages of adulting. Is long-term financial planning important now? Absolutely.

While you’re paying your bills, look for ways to set aside money in savings by creating and sticking to a sensible and realistic budget. Retirement planning is important, so get a head start by participating in your employer’s 401(k) plan or investing in your own Individual Retirement Account (IRA).

We are here to help set you up to meet your future financial goals.

A man and woman sitting together in a meeting with a financial rep.

Mid-Career

Life through your 50s can be filled with remarkable milestones you will always remember. As you become an established professional, you might get opportunities as you take on new projects and earn promotions. Or maybe you’re in the middle of a career change or two. On the personal side, you could be raising a family while planning and paying for things you rarely considered earlier in life.

These are exciting years, and people often need some help to reach bigger goals, such as buying a newer or larger home or vehicle, saving for education costs for their children, investing in additional properties or treating themselves to whatever they consider to be the finer things in life.

What will your story be? We’ll be on the journey with you, providing the insight and options for all your wealth management and financial planning needs.

An older man and woman sitting in a meeting with a financial rep.

Late Career/Pre-Retirement

After all your hard work and the financial planning effort, retirement feels more realistic than ever. What do you want your retirement to look like? Maybe it’s a gradual move away from full-time employment into a part-time role that’s aligned with your other interests, giving you time to do things like volunteer or be with your family.

At this stage, we’ll make sure your investments and entire portfolio put you in a good position to enjoy the retirement you want. And if some adjustments need to occur, we’ll address those for you over the next five to 10 years.

An elderly woman holding two children and smiling.

Retirement

Congratulations! Many years of planning have come down to a single day—the day you enter a new phase of your life. After a retirement party, you now get to plan how to use your time, whether traveling, visiting the people you love or anything else you have in mind. Freedom is yours!

As you’re living your new life, you’ll want to stay within a budget so you don’t outspend your retirement savings, and that’s where we assist. Our advisors focus on your specific needs, as always, and maintain a flexible, personalized path so you can enjoy your retirement while your investments remain tailored to your goals at this stage.

Wealth Transfer

As you reach your later years, you’ll still want to manage risk and take advantage of tax incentives. You’ll also want to consider the transfer of your assets after you pass away. Now is the time to double-check that your will is in order and a power of attorney is in place.

At this stage of life, healthcare expenses are 20 percent of the average budget, so it’s important to ensure you have enough funds left to cover these costs, as well as fulfill the terms of your estate.

Get Started

At United Bank, we’re proud to offer Wealth Management services that our communities trust. If you would like to learn more about what we do, please contact us at 770.412.4925 or reach out directly to a United Bank Wealth Management Advisor.

Meet Your Team

♣United Bank Wealth Management services are: not FDIC-insured, not bank-guaranteed, may lose value, not a bank deposit, not insured by any federal government agency.

United Bank is a full-service financial institution serving customers in Middle Georgia.