United Bank Wealth Logo

Wealth Management

A Relationship That Goes Beyond Investing.

Where are you in your financial journey?

United Bank’s team of Wealth Management Advisors can help you with financial planning during any phase of life, whether you’re just getting started with investing, planning your retirement, or preparing to transfer your wealth to the next generation.

Early Career

In your 20s and early 30s, you’re starting your career and likely have more expenses than income. Financial planning can seem irrelevant, but it’s important to build good habits early on and think about what you want your future to look like.

During this stage, you want to prioritize paying off student loans or credit card debt, setting aside even just a little bit of money for retirement, and planning for upcoming expenses such as moving, buying a home, purchasing a new car, or getting married.

Many people hate the idea of budgeting but rest assured, we will not tell you to stop eating out or getting coffee. We’ll work with your budget to include those simple pleasures without sacrificing your future goals.


From your mid-30s through your 50s, you’ll earn promotions at work, embark on new careers, and possibly raise children. During this stage, you’ll take retirement planning a bit more seriously, but you might also have other large financial goals you want to meet.

Many people in this phase want to upgrade or purchase a newer home or car. If you intend to have children, you may consider saving for a private school or college education. For many, purchasing a summer or winter home, boat, or regular travel is a priority.

Regardless of what you want your life to look like, United Bank Wealth Management Advisors can help you make those dreams a reality.  

Late Career/Pre-Retirement

As you reach your 60s, you’ll want to hone in on your retirement savings and make sure you’re set up for the kind of life you want to have into your future. You may be interested in reducing to part-time work or volunteering instead of full-time work. You may even want to spend more time at home with your grandkids.

Now is the time to assess whether or not you are on track to meet your retirement savings goals. If you are, great! If not, we can help you fill in the holes and prepare for any potential risk over the next five to ten years.


This is when all the hard work pays off.  It's time to enjoy the retirement you’ve planned for throughout the years. Now you can travel, visit family, relocate to a warmer climate, or check items off your bucket list. However, make sure you’re not overspending so you can enjoy your retirement savings for years to come. That’s where we come in.

Our advisors understand each client is unique with a personalized retirement planning strategy; we'll ensure that you stay on course so you can enjoy your benefits comfortably. 

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.

United Bank is Here for You

No matter which stage of life you find yourself in, United Bank has a full team of Wealth Management Advisors to help you navigate the highs and lows. From your very first paycheck, to your end-of-life plan, we will listen to your needs and desires to help you develop a financial plan that works for you. Reach out to us today at 770.412.4925 to learn more.

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.