UNFCU| Financial Advisors

Tax and estate laws are in constant flux. Above all, the financial realities you and your family face are constantly changing. Managing wealth is our business. We know how to deliver integrated strategies that can utilize a wide array of capabilities that encompass planning, investment management and trust services, among others.

Markets rise and fall. Portfolio values fluctuate. You can rely on our knowledge, experience and expertise to enable you to select appropriate asset allocation strategies.

Our Investment Philosophy

Empirical research has shown that investors are better served by a disciplined investment approach, especially an approach that combines an understanding of the investor's goals and risk tolerance within a well-defined strategy. Our objective in constructing efficient portfolios is to maximize expected returns for a desired level of risk.

We base our approach to effective investment management on the following core beliefs:

Diversification and balance:

Diversification across asset classes (together with the appropriate asset weightings within portfolios) improves long-term investment returns while reducing volatility.

Turnover erodes returns:

Excessive turnover, either of assets within portfolios or of whole portfolios, contributes to long-term underperformance.

Cost minimization is an important component of investment management:

Investment management related costs, including fees and transaction costs, will negatively affect performance especially if such costs are compounded over long periods.

Determinants of performance:

Asset allocation and portfolio structure, more than individual security selection or market timing, are the principal components of investment performance.

Our Investment Process

• Determination of Risk Preference
• Top-Down Asset Allocation Modeling
• Creation of Efficient Portfolio Structures
• Selection of Asset Classes and Setting of Weightings
• Monitoring and Re-balancing

To learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.

Our Model Portfolios

Based on our investment philosophy, we have created five diversified model portfolios with varying levels of risk and corresponding appreciation potential.

We have developed these portfolios to meet the investment needs and risk tolerances of our clients. Each portfolio is designed to address a specific investment objective, from current income with stability of principal, long-term growth with moderate volatility, to aggressive growth.

We have developed these portfolios to meet the investment needs and risk tolerances of our clients. Each portfolio is designed to address a specific investment objective, from current income with stability of principal, long-term growth with moderate volatility, to aggressive growth.

To learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.

Financial & Retirement Planning

Achieving a financial goal can be a comprehensive one, like estate planning, or goal specific, such as retirement. Our flexible fee structure offers you the option of either a fee-based plan or hourly fee consultation. We will develop and manage your strategy with a custom plan. Your personal goals and objectives will be laid out, giving you the choice to implement them through your existing financial provider(s) or execute the plan through us.

We will analyze your situation and give you our independent and unbiased opinion. This will involve reviewing assets you hold at multiple institutions, risk assessments, and tax status to help us help you achieve your future goals.

Our ongoing relationship with you ensures that your life changing circumstances are being addressed and your financial portfolio is adjusted accordingly.

Charitable giving can be a complementary tool to exclude property from your gross estate and to benefit a worthy cause. Charitable Gift Annuities, Charitable Lead Trusts and Charitable Remainder Trusts are some of the possibilities to consider.

To learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.