Sophisticated Financial Planning for Southampton's Year-Round and Seasonal Residents
Southampton's population swells from 60,000 to over 300,000 each summer, and so does the complexity of managing wealth across multiple residences, states, and tax jurisdictions. Our fee-only fiduciary team helps you navigate it all.
55 min from our Hauppauge office
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 Southampton Residents Choose United Financial Planning Group
From Coopers Beach to Water Mill, we understand the unique financial landscape of Southampton, where seasonal living creates year-round planning challenges.
Multi-State Residency & Domicile Planning
Many Southampton homeowners split time between New York, Florida, and Connecticut. We help you establish and defend your tax domicile, navigate the 183-day rule, and structure your residency to minimize state tax exposure while staying audit-ready.
Seasonal Property Tax Strategies
Owning property in Southampton comes with significant tax implications, from STAR exemptions to capital gains on appreciation. We develop strategies that account for seasonal use, rental income, and the interplay between primary and secondary residence classifications.
Art Collection & Estate Planning
Southampton is home to the Parrish Art Museum and a thriving collector community. We coordinate with appraisers and estate attorneys to plan for art collections, addressing valuation, charitable donation strategies, and transfer tax implications for high-value holdings.
Trust Structures for Vacation Property Succession
Passing a cherished Southampton estate to the next generation requires careful trust planning. We help families create structures (such as QPRTs and family LLCs) that preserve the property, reduce transfer taxes, and prevent disputes among heirs.
Fee-Only, Fiduciary - Always
We don't earn commissions or sell products. As fee-only fiduciaries, our advice is built entirely around your interests, whether you're here year-round or only for the season.
The Dual-Residence Tax Trap That Catches Southampton Homeowners
If you own homes in both Southampton and another state, your domicile decision has enormous tax consequences. New York aggressively audits high-income residents who claim domicile elsewhere, and the 183-day rule is only the starting point. Auditors examine where your doctors, dentists, and dogs are located. We help Southampton clients make informed NY vs. FL vs. CT domicile decisions, maintain contemporaneous documentation, and build an audit-defense file that holds up under scrutiny. The difference between getting this right and getting it wrong can be hundreds of thousands of dollars in state income tax.
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
Also Serving Nearby Communities
Our team works with families and professionals across Long Island. Explore how we serve communities near you.
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.