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Investment Planning

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Why Investment Planning is Important.

While many of us don’t realize it, we are constantly engaged in subconscious acts of investment planning. We plan how we can best invest the limited time we have at our disposal. Would the 2-hours we have best be spent visiting a friend at the hospital, or would it be better invested, say, by taking in that ball game? We do some longer-term planning too: Does it pay to invest the effort studying for a degree in Arts, or would we get a better return studying to pass the Bar exam?


So, why don’t we invest the time planning our investments?

It’s been said: What you sow, so shall you reap! When it comes to enjoying the fruits of your investment, truer words were never spoken. Even if you don’t have thousands of dollars to invest, simply taking the time deciding where to “park” the money until you need it can be a rewarding investment planning exercise.

How your money grows, what you pay for that growth, and the ease and comfort with which you “journey” towards reaping the rewards of your investments, are all important aspects of a good investment plan. In the absence of such a plan, your financial future could be in jeopardy!


What We Can Do For You

Our Investment Planning service is based on these simple facts: Market timing doesn’t work! Creating and preserving wealth needs diversification! Focus on the long-term, and don’t let short-term diversions distract you! Investing is about more than just making money – it’s also about helping you achieve your financial goals!

Here’s a preview of what our Investment Planning service cover:

Understanding your financial goals: Through an intense yet structured “Getting to Know You” process, we’ll understand what your financial goals are, and we’ll help you prioritize some of the most pressing short, medium and long-term financial objectives you’d like to accomplish.

Analyze a point-in-time snapshot: The next step is to analyze where you are today, in terms of your savings and current investment portfolio. Sometimes, this phase of our review results in actionable steps that can immediately benefit you – like cutting your losses in a sinking investment or leveraging some profit-harvesting and tax-selling opportunities in highly successful ones.

Proposing an investment strategy: With that information in hand, we can draw-up comprehensive personalized investment strategies that will help you reach your financial objectives. This may be accomplished by building upon your existing portfolio, or proposing a set of cost-effective, tax-efficient, age-appropriate, risk-averse investments that are aligned with your personal financial goals.

Implementing the plan: Our Investment Planning approach is dynamic, and constantly evolves with your changing circumstances. We’ll guide and advise you on investment plan transitions as you go through life and life-style changes.

Watching over your investments: We’ll monitor and review your investments, plans and strategies in light of changing investment climates.

Consult, advice and counsel: Ours is an ongoing partnership. Throughout our relationship with you, we’ll keep you informed, and communicate constantly with you about proposed changes and potential risks or opportunities for your investments.


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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).

Insurance products are offered through LPL or its licensed affiliates. United Southern Bank and USB Investment Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using USB Investment Management and may also be employees of United Southern Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, United Southern Bank or USB Investment Management.

Securities and insurance offered through LPL or its affiliates are:
Not Insured by FDIC or Any Other Government Agency Not Bank Guaranteed Not Bank Deposits or Obligations May Lose Value
The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
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Contact Our Team!

USB Investment Management  team is ready to serve you in many different ways. Contact us today!

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If you wish to leave behind a lasting legacy, you need to put a well-thought-out Estate Plan in place, so your legacy is established in accordance with your wishes. 

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For our clients, retirement planning doesn’t start at retirement. It starts much before! Our Retirement Planning service takes a long-term view of your financial wellbeing. 
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We have broad investment expertise in managing diversified portfolios and recommending direct investments, where appropriate.