--- title: Are You With The Right UMA? description: Find out if you are partnered with the right UMA provider, and discover the key factors to consider in choosing a UMA partner for your practice. image: https://resources.adhesionwealth.com/hubfs/Blog_Hero_6_9_19.jpg --- An AssetMark Company [- Learn More](https://www.assetmark.com/) [![Adhesion wealth](https://resources.adhesionwealth.com/hs-fs/hubfs/Adhesion-AM_Logo_Stacked_RGB.png?width=500&height=500&name=Adhesion-AM_Logo_Stacked_RGB.png "Adhesion wealth")](http:///) - Our Platform Our Platform - Advisor Solutions Advisor Solutions - Overlay Management Overlay Management - [Tax Management Services](https://www.adhesionwealth.com/tax-management-services-tms) - [Monitoring & Coordination](https://www.adhesionwealth.com/monitoring-coordination) - [Restrictions](https://www.adhesionwealth.com/monitoring-coordination) - [Cash Management](https://www.adhesionwealth.com/cash-management) - [Tax Management](https://www.adhesionwealth.com/tax-management) - 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[Flexible Portfolio Construction](https://www.adhesionwealth.com/flexible-portfolio-construction) - [Multi-Custodial Solution](https://www.adhesionwealth.com/monitoring-coordination) - Investment Consulting Investment Consulting - [Asset Manager Identification](https://www.adhesionwealth.com/asset-manager-identification) - [Direct Indexes](https://www.adhesionwealth.com/direct-indexes) - [Portfolio Construction Assistance](https://www.adhesionwealth.com/portfolio-construction-assistance) - [Personal Indexes](https://www.adhesionwealth.com/personal-indexes) - Advisor Desktop Advisor Desktop - [Performance & Reporting](https://www.adhesionwealth.com/performance-reporting) - [Proposal Generation](https://www.adhesionwealth.com/proposal-generation) - [Practice Insights](https://www.adhesionwealth.com/practice-insights) - [Digital Enrollment & Workflow](https://www.adhesionwealth.com/digital-enrollment-and-workflow) - Solutions For Solutions For - [RIAs Changing Platforms](https://www.adhesionwealth.com/roles/rias_changing_platforms) - 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[Thought Leadership](https://resources.adhesionwealth.com/thought-leadership) - [Business Consulting](https://www.adhesionwealth.com/business-consulting) - [contact](https://www.adhesionwealth.com/contact) - [careers](https://www.linkedin.com/company/adhesionwealth/jobs/?viewAsMember=true) - DEMO - [contact](https://www.adhesionwealth.com/contact) - [careers](https://www.linkedin.com/company/adhesionwealth/jobs/?viewAsMember=true) - DEMO - [contact](https://www.adhesionwealth.com/contact) - [careers](https://www.linkedin.com/company/adhesionwealth/jobs/?viewAsMember=true) - DEMO DEMO # Are You With The Right UMA? By **[Adhesion Wealth](https://resources.adhesionwealth.com/blog/author/adhesion-wealth)**, An AssetMark Company ![Are You With The Right UMA?](https://resources.adhesionwealth.com/hubfs/Blog_Hero_6_9_19.jpg) [Share on Facebook](http://www.facebook.com/share.php?u=https://resources.adhesionwealth.com/blog/are-you-with-the-right-uma-partner&utm_medium=social&utm_source=facebook) [Share on LinkedIn](http://www.linkedin.com/shareArticle?mini=true&url=https://resources.adhesionwealth.com/blog/are-you-with-the-right-uma-partner&utm_medium=social&utm_source=linkedin) [Share on X](https://twitter.com/intent/tweet?original_referer=https://resources.adhesionwealth.com/blog/are-you-with-the-right-uma-partner&utm_medium=social&utm_source=twitter&url=https://resources.adhesionwealth.com/blog/are-you-with-the-right-uma-partner&utm_medium=social&utm_source=twitter&source=tweetbutton&text=Are%20You%20With%20The%20Right%20UMA) [Unified Managed Accounts](https://resources.adhesionwealth.com/blog/tag/unified-managed-accounts) [UMAs](https://resources.adhesionwealth.com/blog/tag/umas) Unified Managed Accounts (UMAs) come with a key list of advantages. But if you don’t have the right underlying technology or managed account firm, you can’t seek to achieve all of these advantages and you may end up with some tough challenges, and possibly disappointed and frustrated clients. While it may not be flashy to talk about true sleeve tax-lot accounting, it’s critical to delivering the client outcomes you want to create for your clients. **Have you found yourself experiencing some of these challenges and wondering if you are with the right UMA?** - **Inability to support fixed-income or dually managed (hybrid) models** - **Segregating cash amongst client cash, manager cash and cash pending withdrawals that are not partitioned and managed independently** - **Dividends are not posted back to the sleeve in which they originated** - **Manager Sleeve performance is inaccurate and varies significantly across clients** - **Difficulties changing managers in a UMA. Selling and repurchasing overlapping security** - **Inaccuracies around corporate actions** - **Meaningful trade execution variance for the same trade across multiple custodians** - **Inaccurate tax management results or limited tax management capabilities** - **Insufficient coverage of your asset managers** - **Challenges enrolling and transitioning accounts to the platform** Most of these issues are due to a platform’s inability to tag and partition tax lots. It takes time and experience to build a platform that handles and partitions a UMA properly. You cannot take shortcuts. Some people call it old school, at Adhesion Wealth, we call it experience. C24-21005 | EXP 3-31-2026 By **[Adhesion Wealth](https://resources.adhesionwealth.com/blog/author/adhesion-wealth)**, An AssetMark Company [Unified Managed Accounts](https://resources.adhesionwealth.com/blog/tag/unified-managed-accounts) [UMAs](https://resources.adhesionwealth.com/blog/tag/umas) [Related **Resource** Model-based Separately Managed Accounts (SMAs) are an expression of financial evolution, a step forward from the legacy of mutual funds By Adhesion Wealth, An AssetMark Company](https://resources.adhesionwealth.com/blog/model-based-separately-managed-accounts-smas-are-an-expression-of-financial-evolution-a-step-forward-from-the-legacy-of-mutual-funds) [Related **Resource** Quarterly Check-Ins: Best Practices for Virtual Meetings By Adhesion Wealth, An AssetMark Company](https://resources.adhesionwealth.com/blog/quarterly-check-ins-best-practices-for-virtual-meetings) **CHARLOTTE** 2825 South Blvd Suite 500 Charlotte, NC 28209 **ASSETMARK CORPORATE HEADQUARTERS** 1655 Grant Street 10th Floor Concord, CA 94520 --- - [Company](https://www.adhesionwealth.com/about) - [Resources](https://www.adhesionwealth.com/resources) - [SECURITY CENTER](https://www.adhesionwealth.com/security-center) [CONTACT](https://www.adhesionwealth.com/contact)   sales@adhesionwealth.com 888-295-8351 [CAREERS](https://www.adhesionwealth.com/careers)   Join the Adhesion Wealth team and be part of a growing financial industry leader.   --- An AssetMark Company - [Learn More](https://www.assetmark.com/) - [Privacy Policy](https://www.adhesionwealth.com/privacy-policy) - [Terms of Use](https://www.adhesionwealth.com/terms-of-use) - [ADV2](https://adhesionwebsitecontent.blob.core.windows.net/$web/documents/Adhesion-Form-ADV-Part-2A-Disclosure-Brochure_final_2024.12.2.pdf) -   - - **FOR FINANCIAL PROFESSIONAL USE ONLY.** **Important Information** This is for informational purposes only, is not a solicitation, and should not be considered investment, legal or tax advice. The information has been drawn from sources believed to be reliable, but its accuracy is not guaranteed, and is subject to change. **Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results**. UMAs are not suitable for all investors and should be evaluated for suitability by financial professionals prior to investing. **For more complete information about the various investment solutions available, including the investment objectives, risks, and fees, please refer to the Disclosure Brochure. Please read it carefully before investing. For a copy, please contact Adhesion Wealth Advisor Solutions (“Adhesion Wealth”).** Adhesion Wealth is an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”). Adhesion Wealth and third-party providers are separate and unaffiliated companies. Each party is responsible for their own content and services. Adhesion Wealth does not provide personalized investment or tax advice. Adhesion Wealth and Adhesion Wealth Advisor Solutions are trade names for Atria Investments, Inc. Atria Investments, Inc. is owned by AssetMark Financial Holdings, Inc. © 2026 Adhesion Wealth Advisor Solutions, Inc. 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