Investment & Trust Services

United Bank’s Investment and Trust Division offers a full range of services to provide for your peace of mind. With a focus on investment performance and experience, our investment professionals offer the same high quality service and individualized attention you’ve come to expect from United Bank.

After an initial consultation to determine your personal financial goals, we will recommend a program customized for your needs.

Our services include:

As an Investment and Trust customer of United Bank, you'll have the convenient option of reviewing your portfolio online.  This information is available 24 hours a day, and may be accessed here with your username and password.

Investment Management

Jere Koser VP Trust Officer

Deanna Neely VP Trust Officer

Doug Lane Investment Officer

Investment management services provide professionally managed portfolios tailored to match your investment objectives and tax needs. Investment management services are available to individuals, trustees, executors, partnerships, and corporations who have liquid assets of $250,000 or more. These services are ideal for those who may have:

• received a lump sum from an inheritance
• recently sold a business or entered retirement
• received a personal injury settlement
• recently divorced or received a legal settlement

Jere Koser, Sandy Bales and Deanna Neely, three seasoned investment professionals with over 80 years of combined trust and investment experience, manage our Investment Management services. You can contact them at (770) 412-4948 to arrange a confidential consultation.

Back to Top

Financial Planning

People typically spend more time planning a single two-week vacation than their entire financial future. Yet good planning is essential for ensuring a secure financial future. United Bank, through its association with UVEST Investment Services*, offers professional financial planning services that can help you make your financial future what you want it to be. Our UVEST Investment Representative can work closely with you to analyze your financial position and recommend realistic ways for you to accomplish your goals. A personalized financial plan will help you set up the right investments for your particular circumstances, income, and performance expectations. The plan recommends concrete ways you can:

• Reduce income taxes
• Allocate and build an investment portfolio
• Protect your family against loss of income
• Meet education expenses
• Finance your retirement
• Plan your estate

Endowments and Foundations

We also offer trust services that assist hospitals, educational institutions, non-profit organizations and foundations. With over 40 years combined experience, United Bank understands your unique administration and investment needs.

Back to Top

Employee Benefit Plans

More and more people are looking toward their employers to provide for their retirement needs. Most business owners would like to offer this benefit to their employees, but need assistance in establishing and managing a plan.

United Bank has the expertise to assist you or your company in successfully managing deferred compensation plans and qualified retirement plans such as 401k plans, profit sharing plans, money pension plans, and defined benefit pension plans. Our management services are available for investment only, administration only, or both.

Back to Top

Traditional Trust Services

United Bank can assist you with estate planning, estate administration, testamentary trusts, and on-going investment management for living and charitable trusts. Some of the benefits of a well-planned estate include:

• Minimize estate taxes.
• Maximizing return on your investments by using a corporate trustee who possesses the knowledge and resources to manage your assets.
• Maximizing tax benefits with gifts made to beneficiaries and charities.
• Providing peace of mind for situations involving incapacity or disputes by beneficiaries.
• Reducing management fees paid by the estate and by beneficiaries.

United Bank will serve as executor for the estates of individuals who designate the bank as such in their will. With United Bank acting as your trustee, you have a team of experts to manage your assets to their potential. We can relieve you and your beneficiaries of many financial responsibilities that are considered burdensome. A trust can create important estate tax-related savings that can help preserve the assets you’ve worked so hard to accumulate.

Back to Top

Discount Brokerage and Online Trading*

Open Account

When buying and selling securities, you can save on commissions when you use United Bank’s discount brokerage services offered through UVEST Investment Services.

Trades may be executed via a convenient 800 number or via the Internet. Internet trades cost only $23 per transaction up to 1,000 shares. Additional shares incur a $ .03 per share fee. With our online link to UVEST, you can analyze your portfolio, follow investment trends and check current security prices. United Bank customers enjoy the added convenience of settling transactions quickly and easily through your United Bank checking account.

Back to Top

Back to Top

*Securities offered by, and Investment Consultants are registered with UVEST Investment Services, member NASD/SIPC. UVEST is independent of any financial institution. Securities (1) are not deposits of this institution; (2) are not insured or guaranteed by the FDIC or any other government agency; (3) are not obligations of or guaranteed by any financial institution; and (4) involve investment risks, including the potential for fluctuations in investment return and the loss of principal.

Home Page | Personal Banking | Business Banking | Investments & Trust | Mortgages
 Take Action | Online Services | About United Bank | Top of Page