United Advisor Group, LLC (“UAG”) is a registered investment adviser based in Cincinnati, Ohio. The
firm is a limited liability company (LLC) formed under the laws of the state of Delaware. UAG has been in
business since 2022 with multiple office locations throughout the United States and Guam and applied
to become a registered investment adviser in 2022. UAG is owned by UAG Enterprises, LLC which is a
partnership owned by IARs of the firm. Ray Gettins serves as UAGs Chief Compliance Officer and
Director.
The following paragraphs describe our services. Please refer to the description of each investment
advisory service listed below for information on how we tailor our advisory services to your individual
needs. As used in this brochure, the words "we", "our" and "us" refer to UAG and the words "you", "your"
and "client" refer to you as either a client or prospective client of our firm. Also, you may see the term
Associated Person throughout this brochure. As used in this brochure, our Associated Persons are our
firm's officers, employees, and all individuals providing investment advice on behalf of our firm.
Our firm focuses on providing Investment Management and Financial Planning strategies with each
independent IAR choosing the strategies, services and products which are most appropriate for their
unique client base.
Types of Services
Each of our IARs and Offices are independent and offer a unique combination of services tailored to
their clients. The below services are a description of possible services which may be offered by advisors
of our firm in any combination. Your advisor will discuss the services and products they will provide to
you individually.
Investment Management
Model Portfolio Management
One of the primary investment management services we offer is a discretionary asset management
program. Clients participating in this program are generally placed in a model overseen by a financial
professional at our firm. Under this program, UAG is authorized to buy and sell investments in your
account without asking you in advance. We will monitor the portfolio's performance on an ongoing
basis, unless otherwise agreed, and will make adjustments and reallocations as necessary due to
changes in market conditions and your unique circumstances.
We typically recommend one of our asset allocation models based on your risk tolerance, investment
objectives, tax strategy and long-term financial goals. You must inform us of any changes to your
financial circumstances, investment objectives or risk tolerance, or of any modifications or restrictions
that are imposed on the management of your account(s). In this manner, our firm can better serve our
clients' needs.
Clients have the ability to impose reasonable restrictions and guidelines on investing in certain
securities, types of securities, or industry sectors. We require all such restrictions to be timely
communicated to us in writing. Client restrictions and guidelines could negatively affect investment
performance.
At our discretion we may offer non-discretionary investment management services which would require
your authorization each time we enact a transaction in your account. These accounts are not traded
with our model portfolios.
Third-Party Managers
We may recommend the use of third-party managers or sub-advisors to manage some or all of your
assets. In such cases, the third-party money managers will be responsible for continuously monitoring
client accounts and making trades in client accounts when necessary. While the chosen third-party
money manager(s) will provide advice on specific securities and/or other investments in connection
with this service, our firm has discretionary authority to hire and fire such managers
and reallocate
assets among them as deemed appropriate. We will assist you with identifying your risk tolerance and
investment objectives, and, in turn, retain third-party money managers in relation to your stated
investment objectives and risk tolerance. As a result, we allocate a portion of the total fee charged and
collected from you to the third-party money managers, if utilized, as compensation for their direct
management of your account.
When using third-party managers or sub-advisors you may be required to complete additional
paperwork for those managers. Additionally, these accounts may participate in wrap programs
sponsored by the chosen managers. Please review all disclosures provided by or about third-party
managers or sub-advisors to ensure you understand what costs their wrap programs cover.
Custom Traded Portfolios
In some cases, your advisor may recommend a custom traded portfolio to you. In these accounts your
advisor will manage your assets individually and not as part of a model portfolio. Custom traded
portfolios do not typically participate in block trading or order aggregation and as such may receive
different pricing on trade execution than for the same security traded in a block trade.
Financial Planning
Our advisors may offer a range of financial planning services. These include but are not limited to
wholistic financial planning, investment planning, insurance planning, tax planning, college planning,
trust and estate planning, and business consulting. The scope of services to be provided and the fees
for these services will be memorialized in your UAG Financial Planning and Consulting Agreement with
us.
Retirement Planning
We provide investment advice and financial planning for your retirement accounts and retirement
plans.
When we provide investment advice to you regarding your retirement plan account or individual
retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income
Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement
accounts. The way we make money creates some conflicts with your interests, so we operate under a
special rule that requires us to act in your best interest and not put our interest ahead of yours.
Under this special rule’s provisions, we must:
o Meet a professional standard of care when making investment recommendations (give prudent
advice);
o Never put our financial interests ahead of yours when making recommendations (give loyal
advice);
o Avoid misleading statements about conflicts of interest, fees, and investments;
o Follow policies and procedures designed to ensure that we give advice that is in your best
interest;
o Charge no more than is reasonable for our services; and
o Give you basic information about conflicts of interest.
Financial Education
We may provide financial education, coaching, and seminars to our clients and prospective clients on a
variety of topics. This includes but is not limited to information regarding retirement planning, social
security benefits, tax strategies, investment types or options and estate planning.
Integration of Tax, Accounting, Legal, and Other Services
Some of our advisors may also be accountants, tax, or legal professionals and recommend strategies or
services to you in this separate capacity. Please refer to Item 10: Other Financial Industry Activities and
Affiliations and Item 14: Client Referrals and Other Compensation for more information on these
entities and services.
Assets Under Management
As of December 31, 2023 UAG had $570,674,254 in discretionary Assets Under Management (“AUM”)
and $8,100,000 in non-discretionary AUM. Our reported AUM will be updated at least annually.