We provide professional money management for your Traditional, Roth or SEP IRA Accounts. Along with money management, we help facilitate IRA transfers and retirement account rollovers to make the process easier. In working with our clients we help explain the investment, taxation and estate planning benefits provided by IRA accounts so it is easier to understand and make the best decisions with their IRA accounts.

Annuities

Annuities are designed to meet long-term goals such as retirement and the earnings typically accumulate tax deferred.

401K

By far the most common employer-sponsored retirement plan is the 401(k) plan. The 401(k) plan is a defined contribution plan. It allows employees to make pre-tax contributions, and the funds contributed plus any earnings accumulate tax deferred.

IRA

An IRA is an account at a financial institution that allows an individual to save for retirement with certain tax advantages. There are three main types of IRAs are:

  • Traditional
  • Roth
  • SEP/Simple

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.