Unify Financial Advisors

Unify Financial Advisors provides portfolio management and financial planning to individuals and families, retirement plan participants, trusts, estates, charitable organizations, and small businesses. The firm manages diversified accounts using equities, fixed income, ETFs, mutual funds, and cash equivalents and offers discrete financial planning engagements under separate agreements.

Investment decisions are driven by a disciplined asset-allocation framework that draws on fundamental, quantitative, and cyclical analysis and tools such as Modern Portfolio Theory, strategic and tactical allocation, and a core–satellite approach. The firm discloses that it may incorporate derivatives and alternative instruments when appropriate for a client’s objectives, and specifically describes the use of options strategies (primarily covered calls and cash‑secured puts) while avoiding uncovered option sales.

What is distinctive about Unify compared with many peers is its stated use of borrowing and derivatives within separately managed accounts — the brochure notes recommending derivatives (including options and commodities) and identifies custodial services that can include margin interest and standing letters of authorization. The firm operates as a fee‑only adviser, and with roughly $156 million in AUM, a two‑adviser team, and about 193 client relationships, it emphasizes institutional custodial support and execution tools such as batch trading and electronic order entry.