Fee-Only Financial Advisor in Manhattan
United Financial Planning Group brings financial planning, investment management, tax planning, and tax preparation together under one roof, built for the financial complexity of working and living in New York City.
CFP® professionals and CPAs in Midtown Manhattan, steps from Penn Station.
What Changes When Everything Works Together
Most advisory firms do one thing well and outsource the rest. At United Financial Planning Group, your investment decisions, retirement timeline, and tax planning reinforce each other, because the same team handles all three.
CFP® professionals, CPAs, and Enrolled Agents work side by side, not across town. Hover over a service to see how it connects to your complete financial picture.
Why Manhattan Professionals Choose United
Manhattan is one of the most financially complex environments in the world. Between triple-layer taxation, concentrated stock positions, and the demands of dual-income households, you need advisors who see the full picture.
Built for NYC's triple tax burden
Manhattan residents face federal, New York State, and New York City income taxes. Combined marginal rates can exceed 50% for high earners. Every financial decision we make accounts for all three layers.
Equity compensation specialists
ISOs, NSOs, RSUs, ESPPs, and deferred comp require complex tax timing decisions. Because we handle both the financial planning and tax preparation, we model exercise strategies, manage AMT exposure, and coordinate equity decisions with your full financial picture.
Your CPA and advisor in one team
Most Manhattan professionals use separate advisors and CPAs who make decisions in silos, costing real money. Our CFP® professionals and CPAs work side-by-side so your investments, tax strategy, and financial plan are always in sync.
Steps from Penn Station
Our Midtown office at 14 Penn Plaza makes in-person meetings easy for professionals across the city. We also serve clients virtually nationwide.
Fee-only, fiduciary, always
No commissions, no product sales. Every recommendation is legally required to be in your best interest.
The NYC Tax Reality
New York City residents can face combined marginal tax rates exceeding 50%. That makes every financial decision (when to exercise stock options, whether to convert to Roth, how to structure charitable giving, when to take capital gains) is a tax decision. Our team doesn't just build your financial plan and manage your investments. We prepare your tax return too. That means every strategy we recommend is built with full knowledge of your tax picture, not assumptions about it.
A one stop shop for your
entire financial life
Financial Planning
A comprehensive roadmap for your financial future, built around your actual life and informed by deep tax expertise most planners simply don't have.
Learn moreHypothetical illustration only. Not actual client results. Past performance does not guarantee future results. Investing involves risk, including possible loss of principal.
Investment Management
Tax-aware portfolio management that considers how every trade, every rebalance, and every distribution flows through to your tax return.
Learn moreHypothetical illustration only. Dollar figures do not represent actual client results. Individual outcomes vary based on circumstances.
Tax Planning & Preparation
Proactive, year-round strategies to reduce your lifetime tax burden, prepared by CPAs and Enrolled Agents who already know your financial story.
Learn moreBuilt for Financial Lives That Don't Fit in a Template
Retirement Readiness
Retirement income gap analysis
Roth conversion strategy
Health insurance bridge modeled
Hypothetical illustration only. Dollar figures do not represent actual client results. Individual outcomes vary based on personal circumstances.
Fee-Only. Fiduciary. No Exceptions.
We don't earn commissions. We don't sell products. As a fee-only registered investment advisor, every recommendation we make is legally required to be in your best interest.
Years of experience
Under management
States served nationwide
What Our Clients Say
Ready to Stop Coordinating Between Advisors?
Schedule a no-pressure conversation. We'll listen to what's going on in your financial life and help you decide if working together makes sense.