WHAT ARE YOU INVESTING FOR?

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1 WHAT ARE YOU INVESTING FOR? We a l t h M a na ge m e nt S e r v i ce s

2 I don t want to take chances with the future. I have a plan and it s going to take us where we want to go.

3 A PERSONALIZED APPROACH TO HELPING INDIVIDUALS REACH THEIR FINANCIAL GOALS. Dr. Gregory Kasten started Unified Trust in order to help individual investors reliably reach their investment goals. Today, our Wealth Management Services group is dedicated to carrying out that mission by offering our clients highly personalized service, expertise and a broad suite of plans and services, all focused on long-term solutions. As with everything we do at Unified Trust, our commitment to the individual investor comes first. That s not only our core belief, it s part of our charter as a national trust company and we take our fiduciary responsibility very seriously. Our goal is to provide long-term relationships to our clients along with customized strategies to assist them with lifetime income replacement. We develop these strategies through comprehensive financial planning, our local, in-house investment expertise and by using innovative product solutions. WE VE BEEN UNIQUE FROM THE BEGINNING In the early 1980 s Dr. Gregory Kasten, Founder and CEO of Unified Trust, was a successful anesthesiologist. When it came time for his own financial planning, he became dissatisfied with the investment advice he was getting, so he began learning about investing and financial planning. Before long, he found himself helping his colleagues manage their portfolios. Solutions that will help you achieve your financial goals. Dr. Gregory Kasten Dr. Kasten s innovative ideas and analysis proved so successful that in 1985 he launched his own advisory business. Today, Unified Trust Company helps investors manage over $2.0 billion in total assets. * 1 *As of April 2010

4 YOUR GOALS ARE OUR GOALS. At Unified Trust we have a proven record in financial planning and investment management. We have time-tested solutions for helping people reach successful retirement outcomes, provide for their heirs and create sound endowments. But it s only possible because of our singular focus everything we do is to help you achieve your long-term financial goals. DEDICATED TEAM OF PROFESSIONALS At Unified Trust you get personalized support from our Fiduciary Investment Advisors and Trust Administrators. These experienced locally-based professionals can provide fiduciary advice and expertise in virtually any financial area including retirement planning, fiduciary liability, education funding, insurance portfolio reviews even long-term care. INNOVATIVE PRODUCT SOLUTIONS We offer a full suite of products and services, as well as planning and education on subjects including: Retirement management Dependable lifetime retirement income distribution strategies Tax, gift, and estate planning 2 In addition, our proprietary Unified Fiduciary Monitoring Index provides a unique and time-tested way to evaluate the performance of mutual funds.

5 COMPREHENSIVE FINANCIAL PLANNING To build a personal financial strategy we must first get a complete picture of your financial situation. We provide a comprehensive review of all potential needs including: Generating dependable retirement income Estate planning Trust arrangements Banking needs Investment portfolios Insurance needs To reach your goals you need to have a longterm plan in place and continue to adjust and modify it as time goes on. That s the way we work and that s the reason our clients have had so much success. INVESTMENT MANAGEMENT Part of developing your personal financial strategy is determining your risk tolerance and asset allocation. We offer no proprietary mutual funds. Our investment portfolios consist of individual stocks and bonds, mutual funds, and Exchange Traded Funds. We re one of a handful of companies in the country today that act as a true fiduciary. Our investment decisions are made by a local team of experts who are focused solely on making decisions that are right for you. FIDUCIARY SERVICES Unified Trust s fiduciary services primarily consist of trust administration and estate settlement. Our estate settlement services consist of serving as either executor or administrator for our clients estates and performing the services involved with that role. Our personal trust services include the administration of trusts and ensuring that those accounts are managed in accordance with the terms of the governing documents. RETIREMENT PLANNING As someone who has achieved a degree of affluence, you have more sophisticated financial needs. For you, retirement planning might well include such things as creating an endowment, selling or transferring a business or setting up trusts for your heirs. We deal with all aspects of retirement planning for our clients and create personalized solutions to help them reach their goals. 3

6 WHY CHOOSE UNIFIED TRUST? To put it simply: Your goals are our goals. This is not just a slogan; at Unified Trust it s a credo. Unified Trust is one of only a handful of true fiduciaries in the country. That means that we are bound by the promise of always putting our customers interests first. We have a suite of innovative products and services that make us unique in the industry. A commitment to personal service and personalized solutions for every customer. And while you might think that you d pay a premium for all this individualized attention and innovative thinking, you ll find our pricing is surprisingly competitive. For more information on how Unified Trust Wealth Management solutions can work for you, call or or visit unifiedtrust.com. 4 Before investing it is important that you understand that securities and insurance products involve risk and may lose value. They are not FDIC insured or insured by any Federal government agency and are not deposits of, guaranteed or insured by Unified Trust. Asset allocation of your investments does not guarantee a profit or eliminate the risk of loss of value of assets. Unified Trust cannot guarantee that any participant will achieve a successful retirement. Unified Trust does not provide tax, accounting or legal advice, and information presented about tax considerations is not intended as tax advice and should not be relied upon for the purpose of avoiding any tax penalties. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors.

7 YOUR GOALS ARE OUR GOALS.

8 YOUR GOALS ARE OUR GOALS. Unified Trust Company, N.A Alexandria Drive, Suite 100, Lexington, KY (877) (859) fax April 2010 Unified Trust Company, N.A. WMS-0410