Investment Services
No matter what type of investor you are, let one of our experienced Financial Advisors sit down and review your investment objectives to help you better formulate a more effective financial plan.
Solutions For Every Investor
No matter what type of investor you are, let one of our experienced Financial Advisors sit down and review your investment objectives to help you better formulate a more effective financial plan. If you are still unsure whether you need the help of a Univest Investments Financial Advisor, here are the types of investors that we typically deal with:
"I have enough investments, but I don't have the time to watch them..."
If you are a seasoned investor looking for guidance, allow one of our Financial Advisors to review your current allocation and make sure they are aligned with your goals and risk objectives. Remember, a second pair of eyes never hurts. To learn more about our experienced Financial Advisors, click here:
"I know I need to invest, but how do I do it the right way..."
Other investors are not as experienced, and they do not want to go at it alone. They want to count on a trusted advisor to guide them to investments that are appropriate for their stage in life and risk. If this describes you, then Univest is the right fit for you. To learn more about our experienced Financial Advisors, click here:
"I never had to deal with this before--I don't know where to begin..."
Throughout our life, we will come across many financial scenarios that will require the use of an experienced professional to guide you in the right direction. Some of those events are:
- Retirement
- Sale of Real Estate
- Legal/Insurance Settlement
- Inheritance
Having a dependable and knowledgeable Financial Advisor could be one of the most important things you do to help you through life's changes. To learn more about our experienced Financial Advisors, click here:
Other investors are most concerned with managing the assets they have accumulated.
As their wealth grows, they want to make sure they keep what they have earned over their lives. Their goals might be to finance a well-deserved retirement, to give their grandchildren a start in life or to support a favorite charity. They may be looking for someone to manage their wealth for them, or perhaps they're interested in protecting their wealth and their heirs through trusts and estate planning strategies. Univest is the right choice for investors with more than $250,000 in investable assets. To learn more about our experienced Financial Advisors, click here:
Securities and insurance products are offered through Univest Investments, Inc., Member FINRA and SIPC, a licensed subsidiary of Univest Corporation of Pennsylvania. They are not FDIC insured, are not a deposit of or bank guaranteed, and are subject to risks, including possible loss of principal amount invested.
Investment Products
Mutual Funds & Unit Investment Trusts
These securities offer broad diversification and professional management as well as convenience and liquidity. Mutual funds and Unit Investment Trusts (UITs) are often used as "core" holdings to a well-balanced portfolio, with individual securities such as CDs, stocks and bonds being used to custom design a portfolio to each investor's specific unique needs.
Fixed Income
Fixed income investments such as U.S. Savings Bonds, GNMAs, CDs and corporate bonds can provide income and stability to a well diversified investment portfolio. These instruments are often used to decrease risk and increase income to the client.
Stocks
Stocks are most commonly held to generate long term capital gains and growth within an investor's portfolio. Dividend paying stocks can add an income element to a portfolio and are often used in conjunction with fixed income securities to lower volatility and increase cash flow to investors.
Annuities
Both fixed and variable annuities offer the benefit of tax deferred accumulation of wealth. Investors may choose their withdrawal method and can therefore control their tax obligations as best fits their particular financial need. Annuities may also be structured to provide an income stream for life.
For more information email, call 215.721.2112 or visit any one of our convenient Financial Service Centers located throughout Bucks and Montgomery Counties.
Securities and insurance products are offered through Univest Investments, Inc., Member FINRA and SIPC, a licensed subsidiary of Univest Corporation of Pennsylvania. They are not FDIC insured, are not a deposit of or bank guaranteed, and are subject to risks, including possible loss of principal amount invested.
Financial Advice
There are certain basic tenets of smart investing:
- No matter how old you are, start investing today.
- Be sure to consider both long-term investment goals like retirement and short-term needs like enough savings to pay for unexpected expenses.
- Pay down your debt, especially credit cards.
- Develop a budget you can live with, and make investments an item in your budget.
- Invest regularly. Investing the same amount every month (dollar cost averaging) will get you to your goal faster than occasionally investing larger sums.
- Don't put all your eggs in one basket. Diversify your investments to reduce risk and increase overall return.
- Take advantage of tax-deferred investments, including 529 college savings accounts, IRAs, 401(k) or 403(b) retirement plans offered by your employer, and annuities.
- Make sure to protect your assets and income with adequate insurance.
If you want more help than this, then you are ready for Univest. Because while everyone should follow investing basics, developing a long-term investment plan is a very personal matter that requires a one-on-one relationship. Univest employs a team of experienced, qualified advisors to help you make the most of your investments and achieve your life's financial goals. They share dedication to personal service and attention, and a commitment to integrity above all. Meet them here.
For more information or to speak to a Financial Advisor, email, call 215.721.2112 or visit any one of our convenient Financial Service Centers located throughout Bucks and Montgomery Counties.
Securities and insurance products are offered through Univest Investments, Inc., Member FINRA and SIPC, a licensed subsidiary of Univest Corporation of Pennsylvania. They are not FDIC insured, are not a deposit of or bank guaranteed, and are subject to risks, including possible loss of principal amount invested.
Funding For Eduction
Education IRAs
You can contribute up to $500 per child per year, which is deductible from federal income taxes. Not available to single parents earning $110,000 or more or married couples earning $160,000 or more.
529 Plans
Much higher contribution limits, depending on the state in which the plan was established. In Pennsylvania, the maximum account size is $300,000 per child. Earnings are not taxed. The parent, not the child, has control of the account. More than one person can contribute to the account. Amounts above $11,000 per child per donor may be subject to the federal gift tax. In some states, contributions may be partially deductible from state income tax.
Uniform Gifts to Minors Act (UGMA)
You can also give funds directly to your children or grandchildren under the Uniform Gifts to Minors Act (UGMA). This reduces taxes on earnings, because they are taxed at the child's lower rate. For example, you can purchase mutual funds on the child's behalf. If the child has no other income, often the income is not taxed at all. Unlike 529 plans, however, gifts under UGMA belong to the child and cannot be returned to the giver. The child gains access to the funds at age 18.
For more information or to speak to a Financial Advisor, email, call 215.721.2112 or visit any one of our convenient Financial Service Centers located throughout Bucks and Montgomery Counties.
Securities and insurance products are offered through Univest Investments, Inc., Member FINRA and SIPC, a licensed subsidiary of Univest Corporation of Pennsylvania. They are not FDIC insured, are not a deposit of or bank guaranteed, and are subject to risks, including possible loss of principal amount invested.
Retirement Planning
Let's face it – Everyone wants to retire. Like other goals in your life, you will have the best chance of succeeding by formulating a comprehensive plan. Retirement is no different. Whether you are in the process of saving for retirement or about to retire, an experienced Univest Financial Advisor can make this complicated process easier. We do this by taking the necessary time to learn about you, your financial needs, and put this all together to formulate a customized retirement plan designed to meet your financial objectives.
The sooner you start to formulate your plan, the closer you will be to reaching your goals. You can learn more about all our services and set up a free consultation by calling 215.721.2112, email, or visit any one of our convenient Financial Service Centers located throughout Bucks and Montgomery Counties.
Securities and insurance products are offered through Univest Investments, Inc., Member FINRA and SIPC, a licensed subsidiary of Univest Corporation of Pennsylvania. They are not FDIC insured, are not a deposit of or bank guaranteed, and are subject to risks, including possible loss of principal amount invested.
Brokerage Online Investing Platform
Univest Investment’s online brokerage access is a great way for clients to be able to execute trades, see current balances, as well as look up transactions. The online platform utilizing NetExchange Client is the internet tool offered by Pershing, LLC, one of the largest clearing firms in the United States.
Already Have A NetExchange ID?
If you currently have a NetExchange ID, click here to enter the Pershing Net Exchange Client site.
Looking To Establish a NetExchange ID?
If you do not have an account with Pershing, please contact Univest Investments at 215.721.2112, or use the forms list below to obtain the appropriate form.
- Disclosure Agreement
- New Account Form
- IRA Adoption Agreement and Plan Document
- Account Transfer Form
- Net Exchange Client ID Form
- Margin Agreement
If you currently have a Pershing brokerage account through Univest Investments and would like to establish an online ID, click here to access the Net Exchange Client Form.
Once we receive your application and any applicable forms at the address below, we will provide you with a NetExchange ID and password.
Univest Investments, Inc.
14 N. Main Street
P.O. Box 64197
Souderton, PA 18964
If you have any questions filling out the forms, please contact our Operations Desk at 215.721.2112.
To view our current commission/fee schedule, please click below.
Securities and insurance products are offered through Univest Investments, Inc., Member FINRA and SIPC, a licensed subsidiary of Univest Corporation of Pennsylvania. They are not FDIC insured, are not a deposit of or bank guaranteed, and are subject to risks, including possible loss of principal amount invested.
Business Continuity Plan Disclosure
Univest Investments has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan.
Contacting Us - If after a significant business disruption you cannot contact us as you usually do at 215-721-2112, you should call our alternative number 215-362-7000, or go to our web site at investments@univest.net. If you cannot access us through either of those means, you should contact our clearing firm, Pershing, LLC, at 800-220-3077, www.pershing.com for instructions on how it may process cash disbursement, security transfers, and trade-related transactions. Customers who maintain an account directly with a mutual fund or annuity company can access their funds directly by using the contact information on their statements.
Our Business Continuity Plan - We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm's books and records, and allowing our customers to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.
Our business continuity plan addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business.
Our clearing firm, Pershing, LLC backs up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our clearing firm that its objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments within four (4) hours. Your orders and requests for funds and securities could be delayed during this period.
Varying Disruptions - Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only our firm or a building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within four (4) hours. In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business within 48 hours. In either situation, we plan to continue in business, transfer operations to our clearing firm if necessary, and notify you through our web site, www.univest.net or our customer emergency number, 215-362-7000 how to contact us. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer's prompt access to their funds and securities.
For more information - If you have questions about our business continuity planning, you can contact us at 215-721-2112 or investments@univest.net.
Securities and insurance products are offered through Univest Investments, Inc., Member FINRA and SIPC, a licensed subsidiary of Univest Corporation of Pennsylvania. They are not FDIC insured, are not a deposit of or bank guaranteed, and are subject to risks, including possible loss of principal amount invested.
