Unify Financial Advisors

Unify Financial Advisors is a fee-only registered investment advisor that serves individuals and families, retirement plan participants, trusts, estates, charitable organizations, and businesses. It provides discretionary portfolio management and separate financial planning engagements, and as of year-end manages roughly $155.6 million, primarily in discretionary accounts.

The firm constructs diversified portfolios using equities, fixed income, ETFs, mutual funds, and cash, and applies fundamental, quantitative, and cyclical analysis to inform asset-allocation decisions. Investment implementation is flexible across strategies — including strategic and tactical allocation, core-satellite, value investing, and bond-focused approaches — and Unify generally favors daily-liquid, low-fee instruments while also using options and other derivatives when aligned with a client’s objectives and risk tolerance.

Compared with many supported peers, Unify discloses the use of borrowing in separately managed accounts and the employment of derivatives in those accounts — practices that the firm limits (e.g., use of covered calls and cash‑secured puts and avoidance of uncovered option writing). The firm also describes the potential inclusion of below-investment-grade fixed-income and convertible securities in bond strategies, and operates with standard custodial arrangements that permit fee deduction and standing transfer authorizations.