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LEGAL DOCUMENTS

Privacy Policy

Description of the use and protection of your personal information.

Program Agreement

These are the terms and conditions that you agree to when becoming a UNest client.

Form CRS

UNest customer relationship summary.

Wrap Fee Brochure

A description of the product and services offered by UNest.

Form ADV Part 1

Information about UNest business and advisory practices.

Apex Account Agreement

Terms and Conditions

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Important Disclosures




© 2018-2021 UNest Advisers, LLC. All rights reserved.

This website is operated by UNest Advisers, LLC., an SEC Registered Investment Advisor. Brokerage services are provided to clients of UNest Advisers by UNest Securities, LLC, an SEC registered broker-dealer and member FINRA.  Member of SIPC. Securities in your account protected up to $500,000. For details, please see https://www.sipc.org.  UNest does not provide investment advice on investments that are guaranteed by a bank or otherwise, or that are FDIC-insured. Investing involves risk and investments may lose value. Please consider your investment risk tolerance, objectives and UNest pricing before investing. Past performance does not guarantee or indicate future results. Investment outcomes and projections are hypothetical in nature. UNest does not provide tax advice.  Please consult a tax professional for such information.. To understand Calculation Methodology, refer to the Disclosure about College Savings Calculator. See UNest Brochure for additional information about risks. Please review the program description here.

Important Information

The savings calculation is based on the following assumptions: 1) A contribution of  $250 every month to the investment account for 18 years. 2) A hypothetical  annual investment return of 8%. 3) Dividends are reinvested and no withdrawals are made from the account. A word about fees:  The traditional advisor charges a 1% annual advisory fee and the investment fund has a 1.5% annual fee (source: SmartAsset.com). UNest charges a $2.99 monthly advisory fee and other operational fees as outlined in the UNest Program Agreement.  The actual costs of working with a specific financial advisor may be different than this assumption. There is no guarantee of returns and you may lose money, including the principal amount you invested.