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Trust and Estate Planning Services

United Bank is pleased to offer Trust and Estate Planning through our partnership with The Trust Company of Sterne Agee, Inc.

Financial and estate planning decisions make a significant impact on you and your family. The multitude of choices can make decisions overwhelming. Before investments are made, a number of matters must be taken into consideration including income needs, financial goals, risk tolerance, and tax consequences. Transfer of assets to family members and gift giving programs also present issues that must be carefully considered.

Reasons to establish a trust:
A personal trust provides protection for you and your family in a number of situations. If you are no longer able to oversee personal affairs or provide the financial advice your family depends on, a personal trust can be the solution. A personal trust can also meet an array of asset management problems (including financial, family, and tax problems) as well as unify your estate plan for your family's benefit. In each instance, you get peace of mind, relief from responsibilities of managing assets, and the assurance of consistent, ongoing asset management.

Understanding the role of trustee:
When you create a personal trust, you enter into a legal agreement with a trustee. The trustee agrees to manage the trust assets for the benefit of the beneficiaries you name. The selection of the appropriate trustee is critical to the trust's success. A relative, friend or financial advisor can serve as trustee if they have reached the age of majority and are not legally disqualified from serving, or you may choose a professional trustee such as an organization.

The Trust Team at Sterne Agee works closely with other members of your advisory team including your investment consultant, attorney, accountant, and family members to assist you in these situations. Its fiduciary role allows them to serve as your representative in fulfilling your current needs as well as your wishes for your beneficiaries and future generations. Services provided by The Trust Company of Sterne Agee include:

  • Investment Management/Consulting
  • Wealth Planning
  • Living Trusts
  • Revocable Trusts
  • Testamentary Trusts/ Trusts Under Will
  • Estate Administration
  • Special Needs Trusts
  • Investment Management Agencies
  • Charitable Trusts
  • Foundation/Endowment Management
  • Individual Retirement Accounts (IRAs)
  • Family Office Services

For more information, please contact:

Renee Hardy
251-446-6042
renee.hardy@unitedbank.com

Max Osborn
251-962-3306
max.osborn@unitedbank.com

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