Gary Wolfer

Univest Investments determines asset allocation based on each client's income needs, risk tolerance and tax implications. Mutual funds and Unit Investment Trusts (UITs) are often used as core holdings to a well-balanced portfolio. Individual securities such as CDs, stocks and bonds are used to customize portfolios for individual investors. Fixed-income investments such as US Savings Bonds, GNMAs, CDs and corporate bonds are used to provide portfolios with income, stability and decreased risk. Stocks are held to generate long term capital gains and growth within a portfolio. Dividend paying stocks add an income element to a portfolio and are often used in conjunction with fixed-income securities to lower volatility and increase cash flow. Univest also offers fixed and variable annuities which provide the benefit of tax deferred accumulation of wealth.

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