Is Your Will Up to Date?Is Your Will Up to Date?

John Kazary, Esq., CTFA, Vice President and Senior Financial Advisor, Univest Bank and Trust Co.

How often do you review your will? Even if you don’t have a lot of assets, a will can be an important estate planning tool for ensuring your loved ones are provided for as you wish.

Protecting Your Most Valuable Asset

Kathy Delp, Vice President, Personal Lines Manager, Univest Insurance, Inc.

When it comes to protecting your home – how much coverage do you need? Some folks are trying to cut costs by reducing the amount of coverage on their homes, thinking a lower limit is still enough since the housing prices have yet to fully rebound. However, this could be a costly gamble.

New Requirements for Buying a Home in 2014

Ed Hughes, President, Mortgage Banking, Univest Bank and Trust Co.

The Consumer Financial Protection Bureau’s new Ability-to-Repay/Qualified Mortgage rule goes into effect in January 2014. This rule requires mortgage lenders to take a consumer’s ability to repay a loan into consideration before extending the consumer credit.

Questions to Ask Your Financial Advisor in 2014

Michael Stewart, CFP®, Financial Advisor, Univest Investments, Inc.

Starting the year off with a financial planning review with your financial advisor is a good idea to make sure everything is up to date.

New Look Coming This Spring!

We’re giving our quarterly publications a facelift in 2014. We look forward to sharing the new look with the spring 2014 edition. If you prefer to receive the electronic version of this newsletter, please visit

New Requirements for Buying a Home in 2014

Univest Foundation to Launch New Website

Univest Foundation, a 501(c)(3) organization that provides clients various charitable planning options, is launching a new and improved website in early 2014.

Ring in the New Year with Smart Financial Resolutions

Anthony DaCosta, Senior Vice President and Director of Sales, Univest Bank and Trust Co.

Manage finances wisely is a popular New Year’s resolution. But it can be tough to stick to a goal this vague. Here are some specific ways to help you be money-smart in 2014.

Ensure Your Safety Online
At Univest, we are committed to protecting your personal and financial information. As your financial partner, we strive to provide you with the tools you need to manage and safeguard your assets. Awareness is one of the best ways to help protect against fraud and identity theft. Please visit to learn more.

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