<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>United Bank &#38; Trust Blog &#187; Investing and Wealth Management</title>
	<atom:link href="http://blog.ubat.com/index.php/category/investing-and-wealth-management/feed/" rel="self" type="application/rss+xml" />
	<link>http://blog.ubat.com</link>
	<description>United Behind You.™</description>
	<lastBuildDate>Fri, 13 Jan 2012 02:07:41 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.9.2</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<item>
		<title>New Withholding Requirements for Retirement Accounts</title>
		<link>http://blog.ubat.com/index.php/2011/11/29/new-withholding-requirements-for-retirement-accounts/</link>
		<comments>http://blog.ubat.com/index.php/2011/11/29/new-withholding-requirements-for-retirement-accounts/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 21:49:19 +0000</pubDate>
		<dc:creator>Carol A. Sewell</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=545</guid>
		<description><![CDATA[Effective January 1, 2012, United Bank &#038; Trust along with other Michigan financial institutions, are required to withhold Michigan income tax from distributions from certain retirement accounts (including traditional IRAs and employee benefit plans) made to Michigan residents. Although there are ongoing discussions between the State of Michigan and the Michigan Bankers Association (“MBA”) regarding [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/11/29/new-withholding-requirements-for-retirement-accounts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Special Needs Trusts: Managing to Protect Loved Ones with Disabilities</title>
		<link>http://blog.ubat.com/index.php/2011/10/24/special-needs-trusts-managing-to-protect-loved-ones-with-disabilities/</link>
		<comments>http://blog.ubat.com/index.php/2011/10/24/special-needs-trusts-managing-to-protect-loved-ones-with-disabilities/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 14:54:30 +0000</pubDate>
		<dc:creator>John L. Arenz J.D.</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=531</guid>
		<description><![CDATA[Some have heard of Special Needs Trusts, but do not fully understand their significance. A Special Needs Trust is like an ordinary Trust in that it acts as a container to hold property and assets for someone else’s benefit. However, a Special Needs Trust is carefully drafted to protect an individual who has a disability [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/10/24/special-needs-trusts-managing-to-protect-loved-ones-with-disabilities/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>National Save for Retirement Week: October 16 &#8211; 22</title>
		<link>http://blog.ubat.com/index.php/2011/10/14/national-save-for-retirement-week-october-16-22/</link>
		<comments>http://blog.ubat.com/index.php/2011/10/14/national-save-for-retirement-week-october-16-22/#comments</comments>
		<pubDate>Fri, 14 Oct 2011 05:08:15 +0000</pubDate>
		<dc:creator>Tonia-Marie Wander</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=523</guid>
		<description><![CDATA[When it comes to saving for retirement, there is never a better time than today to assess your prospects toward meeting your goals. And with our nation&#8217;s leaders declaring Oct. 16 through Oct. 22 as National Save for Retirement Week, you have a great opportunity. 
National Save for Retirement Week is the first congressionally endorsed, [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/10/14/national-save-for-retirement-week-october-16-22/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>S&amp;P Downgrades US Debt Rating</title>
		<link>http://blog.ubat.com/index.php/2011/08/08/sp-downgrades-us-debt-rating/</link>
		<comments>http://blog.ubat.com/index.php/2011/08/08/sp-downgrades-us-debt-rating/#comments</comments>
		<pubDate>Mon, 08 Aug 2011 16:47:02 +0000</pubDate>
		<dc:creator>Charles N. Waterhouse</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=498</guid>
		<description><![CDATA[In a historic move late Friday night (8/5/11), Standard &#038; Poor’s sovereign debt rating committee downgraded the United States’ credit rating one notch from AAA to AA+. While bold, this move was certainly not unexpected. Months ago, S&#038;P fired a shot across the bow, announcing that the government’s AAA credit rating was in peril. They [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/08/08/sp-downgrades-us-debt-rating/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Ceiling Showdown</title>
		<link>http://blog.ubat.com/index.php/2011/06/28/debt-ceiling-showdown/</link>
		<comments>http://blog.ubat.com/index.php/2011/06/28/debt-ceiling-showdown/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 20:10:49 +0000</pubDate>
		<dc:creator>Eric Dahlberg</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=475</guid>
		<description><![CDATA[To raise, or not to raise the US debt ceiling, that is the question. 
It is also the dilemma that has led to the current showdown between Congress and President Obama, which must be resolved by August 2nd, or the US risks defaulting on its debt for the first time in our nation’s history. Since [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/06/28/debt-ceiling-showdown/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Considerations for Choosing a Beneficiary for Your 401(K) or IRA</title>
		<link>http://blog.ubat.com/index.php/2011/06/16/considerations-for-choosing-a-beneficiary-for-your-401k-or-ira/</link>
		<comments>http://blog.ubat.com/index.php/2011/06/16/considerations-for-choosing-a-beneficiary-for-your-401k-or-ira/#comments</comments>
		<pubDate>Thu, 16 Jun 2011 16:01:14 +0000</pubDate>
		<dc:creator>Christopher Phillips</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=471</guid>
		<description><![CDATA[In my last blog post, I discussed the importance of reviewing your 401(K) or IRA beneficiary designation form. Hopefully, you have taken time over the past couple of weeks to review the provisions I mentioned. Ensuring you have named a primary as well as a contingent beneficiary are key provisions which require further discussion to [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/06/16/considerations-for-choosing-a-beneficiary-for-your-401k-or-ira/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Accumulating Is the Easy Part! Planning for Distribution Is Hard!</title>
		<link>http://blog.ubat.com/index.php/2011/05/24/accumulating-is-the-easy-part-planning-for-distribution-is-hard/</link>
		<comments>http://blog.ubat.com/index.php/2011/05/24/accumulating-is-the-easy-part-planning-for-distribution-is-hard/#comments</comments>
		<pubDate>Tue, 24 May 2011 02:44:07 +0000</pubDate>
		<dc:creator>Christopher Phillips</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=456</guid>
		<description><![CDATA[You worked hard- put as much as possible aside for retirement. During your working years you shifted your 401(K) or other retirement savings into overdrive; and you’re able to retire on the very day you had planned. Congratulations! Your efforts have paid off, and you can plan your days doing whatever you want. Hold up! [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/05/24/accumulating-is-the-easy-part-planning-for-distribution-is-hard/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>The Potential Impact of the Crisis in Japan</title>
		<link>http://blog.ubat.com/index.php/2011/03/16/the-potential-impact-of-the-crisis-in-japan/</link>
		<comments>http://blog.ubat.com/index.php/2011/03/16/the-potential-impact-of-the-crisis-in-japan/#comments</comments>
		<pubDate>Wed, 16 Mar 2011 14:42:09 +0000</pubDate>
		<dc:creator>Eric Dahlberg</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=438</guid>
		<description><![CDATA[After opening down yesterday more than 25 points on S&#038;P 500 and more than 250 points on the Dow, it appears we may be moving toward correction territory (5-10% down from a cyclical peak) in the US stock market. The current Japanese situation may be the catalyst for what really is long overdue action in [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/03/16/the-potential-impact-of-the-crisis-in-japan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Safe Are My Municipal Bonds?</title>
		<link>http://blog.ubat.com/index.php/2011/03/03/how-safe-are-my-municipal-bonds/</link>
		<comments>http://blog.ubat.com/index.php/2011/03/03/how-safe-are-my-municipal-bonds/#comments</comments>
		<pubDate>Thu, 03 Mar 2011 18:25:37 +0000</pubDate>
		<dc:creator>Charles N. Waterhouse</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=430</guid>
		<description><![CDATA[It is no secret that many states are going through challenging economic times. The recession of 2007 – 2009 has put an enormous strain on the fiscal health of states and municipalities. Revenues from property taxes, sales taxes and income taxes have fallen dramatically due to the fall in home values, decrease in personal spending [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/03/03/how-safe-are-my-municipal-bonds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Finally Some Certainty from Washington.  Well, for the next two years at least.</title>
		<link>http://blog.ubat.com/index.php/2011/02/08/finally-some-certainty-from-washington-well-for-the-next-two-years-at-least/</link>
		<comments>http://blog.ubat.com/index.php/2011/02/08/finally-some-certainty-from-washington-well-for-the-next-two-years-at-least/#comments</comments>
		<pubDate>Tue, 08 Feb 2011 16:24:56 +0000</pubDate>
		<dc:creator>Carol A. Sewell</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=417</guid>
		<description><![CDATA[In December, our Wealth Management Group Focus Newsletter reported on the uncertainty regarding the federal estate and gift tax system. Since that time, we received some certainty from Congress…at least for the next two years regarding these tax systems.
On December 17, 2010, President Obama signed The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/02/08/finally-some-certainty-from-washington-well-for-the-next-two-years-at-least/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

