Expertise You Can Believe In
At UBT, your money has people — investment people
You’ll benefit from the experience of all the investment professionals on our team (like Frank) while getting personal service from your dedicated portfolio manager. Investment decisions are made in-house by nine analysts who hold Chartered Financial Analyst® designations and over 150 years of combined investment experience. They research, analyze, recommend, and monitor your accounts.
Define your goals
You’re investing to accomplish future goals — we’ll ask the right questions to help you sharply define them.
Assess risk tolerance
Risk and reward go hand-in-hand when investing. Our sophisticated process helps us strike the right balance of your time horizon, need for returns, and stomach for risk.
Choose investments
Based on your risk tolerance, we’ll select the appropriate mix of stocks, bonds, and mutual funds to get the best returns possible and mitigate market fluctuations.
Optimize for taxes
Effective tax planning is an important component of your investment strategy. We’ll design your plan in the most tax-advantaged* manner possible.
Review and adjust
We’ll keep an eye on your investments and recommend any updates to ensure you’re on track to reach your goals.
Team-based approach
Your portfolio manager takes an active role in your investments. In addition to managing individual accounts, each of our portfolio managers also specializes in different areas of the financial markets and reports to the team on their area of expertise. By utilizing a team approach, you benefit from the experience of all of the investment professionals on our team, while receiving personal service from your dedicated portfolio manager.
Have Questions?
Get help from an expert
*The accuracy and completeness is not guaranteed and does not constitute legal or tax advice. Please consult with your own tax advisor.
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CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CERTIFIED FINANCIAL PLANNER™ certification mark in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
