Register Today! PEPs & The Future of 401(k)

Hosted by: Michael Abate AIF®, CRPS®

Date: Wednesday, October 28th

Time: 12:00pm ET

PEPs & The Future of 401(k)
Webinar explores the future of 401(k) plan management and the growing role of Pooled Employer Plans (PEPs). We’ll discuss how employers view the challenges of managing 401(k) plans and how PEPs can help reduce fiduciary risk, streamline administration, and lower costs.

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United Asset Strategies is dedicated to consistently advocating for our clients' best interests and financial well-being through prudent and sound investment strategies customized to achieve desired investment and financial goals. At United, our Portfolio Managers can create customized portfolios to meet specific investment objectives, such as the promotion of charitable goals, socially conscious investing or mitigating tax burdens. We want to work with you to solve any financial challenges you may face and we look forward to helping you achieve your financial goals.

  • Equity Strategies

    While many advisors rely solely on ETFs, mutual funds, or SMAs—often resulting in additional layers of fees—we prioritize individual securities. This approach allows for greater customization, transparency, and cost efficiency for our clients.

    United’s approach incorporates high levels of flexibility to meet our clients’ unique objectives. We do not adhere to a cookie-cutter approach.

  • Fixed Income

    Our bond strategy stands out in the industry. While many firms default to laddering bonds or simply following the benchmark, we take a more nuanced and proactive approach tailored to market conditions and client needs.

    United Asset Strategies takes an active role in developing, implementing, monitoring and trading our clients’ fixed income portfolios. Being independent, having access to a variety of issues, and having multiple sources for trading execution is very important to our tactical approach.

    United provides its clients with Prime Broker Services, an important resource which allows us to execute bond trades with multiple bond trading desks rather than being limited to the specific dealer associated with the custody of each client's account. The Prime Broker Service is effective in offering multiple sources to work with and reducing the hidden cost associated with buying and selling bonds.

  • Options and Alternatives

    Portfolio Managers may use option strategies in various circumstances to create income or as a hedge. We employ different combinations of calls and puts to maximize returns and minimize risk.

    Covered Calls

    By writing covered calls, United is able to generate income in the form of an option premium received. This effectively reduces the risk of a long stock position when its price is falling, as the premium will offset some or all of the loss. Covered call writing also allows for increased returns (think of the premiums as income) during intervals when the market is flat. During a bull market, the option may be exercised and the stock called away. While some upside is negated, the position is still sold at the set higher price, and the option premium received adds to any gain.

    Put Writing

    United will sell a put option on a stock we or you are willing to purchase but at a price lower than the present valuation. By selling a put, we agree to buy the shares at a discount to the current cost. For taking on this obligation, our clients receive cash in the form of an option premium. A stagnant or rising price is not a concern, as we would not have bought the stock in the first place due to its rich valuation, allowing our clients to keep the premium.

    Long Straddle

    A long straddle is an option strategy in 
    which, during a period of market volatility, both a call and a put are purchased at the same strike price and expiration. By identifying opportunities in a volatile market, we can employ the long straddle to profit on a movement in either direction. With only a put, should the market go up, there is a loss, and with a call, should the market go down, there is a loss; but with a long straddle, you are prepared for any movement. When executed, the benefits of one outweigh the cost of the other.

    Protective Put

    The protective put is essentially insurance on an investment. If a protective put is in place and the market goes up, you can move with the market and profit from gains. However, if the market takes a sudden drop, the protective put ensures you maintain some profitability by keeping a minimum sell price. Should you want to keep the shares in a company, you can also sell your put, which increases in value when the market drops, offsetting some of the loss of the share’s value

    Collar

    A collar is combining a protective put and a covered call at the start of an investment to hedge against market volatility. This creates a bracket, setting a maximum and minimum exiting price for your investment. The profit from the call feeds into the put, making sure your money is protected