Achieving financial security doesn’t happen by accident. It takes solid planning, a laser focus on goals, and sometimes, a dash of patience. But more than anything, it takes the help of an expert who has your best interests at heart. UB&T investment and trust professionals are fiduciaries. That means they are legally bound to provide the advice and services that are best for you – not the ones that get us the highest commissions or fees.

We provide professional money management based on your risk tolerance, time horizon and investment goals. We work together to determine the best investment policy for your account and adhere to that policy when making investment decisions. Every time we meet to review your account, we also review any life changes you may have so we can make the necessary changes to your portfolio as needed.

And because each client’s needs are different, each solution we offer is unique. There are no “off-the-shelf” products at UB&T Financial Services – only the customized products and service that you’d expect from a true community partner.

 PRODUCTS:

  • Traditional & Roth IRA’s
  • Fixed, Indexed, & Variable Annuities
  • 401K, SEP & Simple IRA Plans
  • Stocks, Bonds, & Mutual Funds
  • REITs (Real Estate Investment Trusts)
  • Life Insurance (Term, Whole, Universal)
  • Medicare Supplement Insurance
  • Disability & Long Term Care Insurance
  • College Savings Plan

SERVICES:

  • Professionally Managed Portfolios
  • Payroll & 401K Plans for Businesses
  • Seminars & Workshops
  • 401K Rollover Specialists
  • Estate & Trust “Strategy Planning”
  • Retirement Income Planning

We provide professional money management based on your risk tolerance, time horizon and investment goals. We work together to determine the best investment policy for your account and adhere to that policy when making investment decisions. Every time we meet to review your account, we also review any life changes you may have so we can make the necessary changes to your portfolio as needed.


Investment products are:
Not FDIC Insured – No Bank Guarantee – May Lose Value
Not all investment products are FDIC insured; Non-Deposit Investment Products (NDIPs) are not a deposit or other obligations of, or-guaranteed by, Union Bank & Trust Company; Non-Deposit Investment Products (NDIPs) are subject to investment risk, including possible loss of principal amount invested. e. Investment and insurance products are not deposits, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank and may lose value.