Tiers & Benefits

Read more about each tier to see what features are included.
December 05, 2019
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Digital Features

$0 Minimum balance.

  • No minimum monthly fee. That’s low. Really low.
  • We want you to be comfortable with your investments. When you set up your account, you’ll be asked to take a simple survey to determine your risk tolerance. Your money will then be invested accordingly.
  • You’ll invest in low-cost, globally diversified funds. This helps reduce risk and gives you a balanced investment portfolio.
  • Your asset allocations will automatically shift based on your risk tolerance. UBT’s Strategy Group is responsible for reviewing the balance of stocks and bonds available. They’re really good at this stuff.
  • Customized allocation paths automatically reduce risk as you near your goals. This helps protect the money you’ve saved as you reach your goals.
  • Automatic rebalancing keeps you in line with your original allocations.
  • Set up multiple accounts and goals. Save for a vacation — and your retirement — and track your progress toward each.
  • No-commission trading. Yep, trades are free.
  • Free transfers to and from your bank account. It’s your money. You should be able to move it as you wish.1
  • Secure “online vault” stores your digital documents. Perfect for securely storing a copy of your will or copies of tax returns.

 

Premier Features

Cost: 0.75% ($4 per month minimum fee). That’s still low, and you get some great add-ons.

All the benefits of Digital, plus:

  • Initial goal-setting consultation with a UBT Financial Planning expert. We’ll look at where you are now, where you want to go, and then plan for how to get you there.
  • Annual review and update. Things change. Let’s make sure we’re on top of it.
  • General investment and portfolio education — we'll help make you a more educated investor.
  • Insights regarding cash flow, debt reduction, and student loans.
  • Budgeting and saving strategies.
  • Strategies for managing your risk — this will help you avoid potential roadblocks to reaching your goals.
  • Phone and email access to an Advisor team.
If you are interested in this tier, please call us at 877.851.8847 or email investonline@ubt.com.
Platinum Features

Cost: 1.00% ($20 per month minimum fee). The highest tier we offer.

All the benefits of Premier, plus:

  • Unlimited contact with your dedicated financial advisor. If you have questions or concerns, we’re here for you.
  • Comprehensive financial plan — we'll look at where you are now, where you want to go, and then plan for how to get you there.
  • Annual review and financial plan update. Things change. Let’s make sure your financial plan reflects your evolving needs and goals.
  • Your financial plan will take a deeper look at the following:
    • Retirement needs. We'll take a look at what your expenses versus your cash flow will look like during retirement.
    • Financial statements. Your advisor will review your assets and liabilities to make sure you fully understand where you stand and how much you're spending.
    • Asset allocation. We'll review current equity and fixed income across all of your investment accounts.
    • Risk management. By understanding potential risks, you are better equipped to address them. Your Advisor will walk you through the costs and benefits of potential solutions.
    • Tax analysis. We'll work with you and your tax advisor to ensure your assets, withdrawals, and other aspects of your tax profile are solid and you are maximizing ways to reduce tax liability.
    • Educational expense planning. If you have savings goals related to educational expenses for yourself, children, or grandchildren, we’ll provide options to meet those goals.
If you are interested in this tier, please call us at 877.851.8847 or email investonline@ubt.com.
  • Personal

1Transfers are typically initiated through the Automated Clearing House (ACH) system. Although transfers to and from Union Bank accounts via ACH will not incur a charge, other financial institutions may charge for these services.

*Investment products: Not FDIC Insured — No Bank Guarantee — May Lose Value.