By United Community
At United Community, we believe the most important investment we make is the one we make in understanding you. Before we ever discuss market strategies or product mixes, we invest time—real time—learning about your goals, family dynamics, hopes for the future and the life events that have shaped you along the way.
Because wealth is deeply personal, and it’s never one-size-fits-all.
Every year, our advisors and Private Wealth professionals meet with individuals and families who share a common realization: lives have changed, but their financial plans haven’t. Sometimes the change is expected—retirement approaching, a business reaching maturity, or a new phase of life unfolding. At other times, it comes unexpectedly: a job change, a family transition, a liquidity event, or a shift in personal priorities.
In moments like these, the most valuable action you can take is to pause and ask a simple question: Is my financial plan still aligned with the life I’m living and the future I want to build?
For us, that question opens the door to one of the most meaningful parts of our work: helping people reevaluate and refresh their wealth strategy during life’s pivotal moments.
Why Life Events Should Trigger a Wealth Review
A strong financial plan provides clarity, direction, and peace of mind. Yet even the most well-crafted plan needs periodic review. Life doesn’t stand still—and your wealth shouldn’t either.
Our advisors often encourage clients to revisit their strategy during key transitions because those moments have financial implications that may not be immediately obvious. For example:
- A career move or leadership transition: Changes in compensation, equity, retirement benefits, or tax exposure can significantly alter long-term projections.
- Business growth or a business sale: Liquidity events are among the most critical times to reassess estate plans, investment strategies, and long-term income needs.
- Marriage, divorce, or changes in family structure: These moments carry emotional weight and also require thoughtful adjustments to beneficiary designations, insurance coverage and wealth transfer strategies.
- Welcoming a child or grandchild: Families often reevaluate their legacy, education goals, and long-term care plans.
- Approaching retirement: Individuals may face questions about income sustainability, tax minimization, risk tolerance, and healthcare planning.
- Market or economic shifts: Even those who feel confident about their portfolio may benefit from a second opinion to ensure their strategy still aligns with their risk profile.
Each of these events represents an opportunity, not just to update numbers, but to redefine what financial well-being looks like for the next chapter.
The Value of a Second Opinion
Even individuals with established advisors or long-standing financial plans often seek a second opinion from our team. It’s not a sign of doubt; it’s a sign of diligence.
A fresh perspective can uncover:
- Misalignment between risk tolerance and investment strategy
- Gaps in estate planning or insurance coverage
- Opportunities for tax efficiency
- Ways to simplify and consolidate financial accounts
- Strategies to support charitable giving or multigenerational planning
Most importantly, a second opinion offers reassurance. It provides individuals with the clarity to move forward confidently, whether they stick with their current plan or choose to make adjustments.
At United Community, these conversations begin with curiosity, not assumptions. We listen first. We ask about what has changed, what has stayed the same, and what you want life to look like five, ten, or twenty years from now. Only then do we begin shaping recommendations.
A Wealth Experience Built Around You
United Community’s approach to wealth management centers on something simple but rare: genuine care for our customers. Our advisors and Private Wealth teams deliver guidance that is personal, proactive, and rooted in a relationship, not transactions. We believe wealth is about more than money; it’s about creating security, opportunity, and peace of mind for the people you love most.
That means:
- Conversations before recommendations
- Customized solutions, not template strategies
- Local advisors who know your community—and know you personally
- A single point of contact for personal, commercial, and wealth needs
- A fiduciary mindset focused on protecting and growing your assets over time
Whether you’re navigating complexity or planning for the next milestone, our team is here to walk alongside you with clarity and confidence.
If Life Has Changed, Your Wealth Plan Should Too
Now may be the perfect moment to revisit your plan or get that second opinion you’ve been considering. Your financial world is meant to evolve as your life evolves. We’re here to ensure it does so with intention, expertise, and care.
Let’s start a conversation about what’s next.
Visit ucbi.com/wealth to connect with a United Community advisor or Private Wealth professional.
Asset and wealth management, estate and retirement planning, investment management, and trust and fiduciary services are offered through United Community Bank. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results. Non-deposit products and services are not FDIC insured. United Community Bank is not a broker-dealer or registered investment advisor. Investment products are:
Not Insured by FDIC or Any Other Government Agency
Not Bank Guaranteed
Not a Bank Deposit or Obligation
May Lose Value
