Start with your life.
Tell us what matters, what’s changing, and what you want your money to accomplish. We look at your current investments and the wider decisions around them.
Wealth management. With perspective.
Your wealth.
In full view.
Your investments are part of a bigger story. We help you connect your portfolio to your retirement, your family, and the decisions ahead.
Schedule a Clarity ReviewInvestments at the center. Your life in focus.
Our fiduciary responsibility
Your interests.
Our responsibility.
As an investment adviser, UAA has a fiduciary duty to act in your best interest. Your goals guide our advice, with attention to costs, risks, and conflicts of interest.
What being a fiduciary means for youGood advice starts
with the right questions.
What is your money meant to do?Your goals guide the conversation.
How do the pieces fit together?Your accounts are part of a larger plan.
How we help
A portfolio with purpose.
A plan with perspective.
Investment management is at the center of what we do. Planning connects that portfolio to the decisions that affect your life, today and over time.
01 / Investment management
Your investments should reflect your life.
We build and manage portfolios around your goals, time horizon, income needs, and comfort with risk. As your circumstances change, we revisit how your investments fit.
01
Start with your priorities
Give each investment decision context: what you need, when you need it, and the risks you can accept.
02
Consider costs and taxes
Look at investment expenses, account types, and tax-aware strategies as part of the overall picture.
03
Monitor and adjust
Review allocations and your changing needs, making portfolio adjustments when appropriate.
02Retirement & income planning
Turn a collection of accounts into a retirement income plan. We help evaluate Social Security decisions, spending needs, and withdrawals across taxable, tax-deferred, and Roth accounts. We also consider cash reserves, major purchases, and the financial impact of future care needs.
Your next chapter. A clearer view.03Tax-aware investing & Roth planning
We consider tax-loss harvesting, gain management, asset location, and whether Roth conversions fit your circumstances. A conversion can create a current tax cost, and future benefits depend on your situation and assumptions. We coordinate with your CPA; UAA does not prepare tax returns or provide tax or legal advice.
Schedule a Roth Conversion Review04Financial planning & estate coordination
We look beyond the accounts we manage to consider cash needs, debt decisions, and investments elsewhere. We review beneficiary designations, account ownership, and how investment accounts fit with your trust, then help complete appropriate account changes. We also assist surviving spouses and beneficiaries with inherited-account decisions and can coordinate with their attorneys and CPAs.
Legal document drafting and legal advice remain with your attorney. Insurance and long-term-care assistance are provided through Alliance America, a separate insurance and risk-management firm connected to UAA through common individual ownership.
Let’s look at the bigger picture05Wealth planning for business owners
Your business and personal finances affect each other. We help evaluate retirement savings options, including Solo 401(k), SEP IRA, SIMPLE IRA, and employee 401(k) plans. We also review how business ownership, operating agreements, and buy-sell funding fit with your broader financial and estate arrangements.
UAA provides investment lineup assistance and ongoing participant advisory services. Employers remain responsible for plan administration, testing, and required filings, as applicable. Attorneys handle legal documents, and insurance funding is coordinated with the appropriate provider.
Talk through your business and personal prioritiesYour relationship with UAA
A conversation first.
A direction together.
You shouldn’t need a financial dictionary to understand your own plan. We explain the choices, discuss the tradeoffs, and help you decide what comes next.
See how it fits.
We consider how your portfolio, retirement income, taxes, and beneficiary arrangements work together, with input from your other professionals when appropriate.
Put the plan to work.
If we decide to work together, we help implement the agreed strategy, manage your investments, and revisit your plan as your needs change.
Investment decisions involve risk, including possible loss of principal. Planning and diversification do not guarantee results.
Already have investments or a plan?
Let’s look at
the bigger picture.
An account here. A policy there. A trust signed years ago. Each may have a purpose. A Clarity Review helps you examine how they fit together now.
Schedule a Clarity ReviewYour Clarity Review30–60 minutes
01
What you have.
Understand your current investments, account ownership, and beneficiary arrangements.
02
What it costs.
Examine fees, charges, and potential tax inefficiencies that can affect your finances.
03
How it fits.
Consider your retirement goals, estate arrangements, and financial risks, including future care needs.
Coordinated and advisor-led, with review findings based on the information you provide. The initial review is not a complete financial plan. Your advisor may also be licensed as an insurance agent with Alliance America, an affiliated insurance agency. If insurance is discussed, any recommendation and the related compensation will be explained separately.
Who we serve
Different lives.
Decisions that matter.
Our work starts with your circumstances, whether you’re preparing for a change or making the most of where you are.
Your next chapter
Approaching
or in retirement
Bring your savings, Social Security decisions, and income needs into the same conversation.
Discuss your retirementYour business. Your life.
Business
owners
Connect retirement savings and investment decisions with business ownership and your family’s future.
Discuss your prioritiesYour evolving priorities
Professionals
& families
Get perspective on competing goals, major purchases, and the financial decisions that come with change.
Discuss your financial goalsA few helpful answers
Bring your questions.
Gain perspective.
Choosing an advisor should start with a clear understanding of the relationship.
Talk With an AdvisorWhat happens during a Clarity Review?
An advisor meets with you for about 30 minutes to one hour to discuss your current finances, priorities, and concerns. The coordinated review includes findings related to the information you share. These may address investment costs, tax inefficiencies, beneficiary arrangements, or other planning gaps. The scope depends on your circumstances; it does not include a complete financial plan.
How does UAA charge for advisory services?
Our standard advisory fee is based on household assets under management and billed quarterly in arrears. Retirement-income planning, Social Security analysis, and Roth conversion planning are included at no additional planning fee. Investment-product expenses and fees charged by outside professionals may apply separately. You can review our Form CRS and discuss applicable fees with an advisor.
Is there a minimum to work with UAA?
Our standard household minimum is $50,000 in assets under management. Exceptions may apply, including certain relationships involving children or referrals from existing clients. Contact our team to discuss your circumstances.
Can you work with my attorney or CPA?
Yes. We coordinate financial and investment decisions with your other professionals when appropriate. Your attorney provides legal services, and your CPA provides tax preparation and professional tax advice. Clients pay their CPAs directly; UAA receives no referral compensation from these CPA arrangements.
Can we meet virtually or in my home?
Virtual meetings are available. In-home meetings may be available depending on your location and advisor availability. Our team will confirm the meeting format and arrange a time after reviewing your request.
Start with a conversation