Financial Planning for Financial Lives That Don't Fit in a Template
A comprehensive plan built around what matters to you, informed by deep tax expertise most financial planners simply don't have.
Ongoing Planning
A Plan That Changes When Your Life Does
Most financial plans are built once and forgotten. Someone hands you a thick document full of projections, and then life happens, and that document is already out of date. That's not planning. That's a snapshot.
At United, your financial plan is a living strategy that evolves alongside your life, because every piece of your financial life is managed under one roof, in real time, with full context.
Strategy reviews beyond performance
We revisit projections, stress-test assumptions, and identify new opportunities based on what's actually happening in your life.
Proactive outreach when something changes
When a new tax provision passes, we model the impact on your situation and reach out with a recommendation. We don't wait for you to call.
Year-round coordination
Financial plan, portfolio, and tax strategy working together all year, not a once-a-year meeting followed by eleven months of silence.
A team that already knows your story
Your history, goals, and full financial picture live with us. You'll never re-explain your situation to a new associate.
Coordination Status
Financial Plan
Synced
Investment Portfolio
Synced
Tax Strategy
Updating…
Tax Return
Synced
Latest Life Event
Market downturn detected
Reassessing withdrawal sequence…
Recent Plan Activity
Roth conversion projection updated
Medicare bracket review triggered
Withdrawal sequence re-optimized
Capital gains harvest executed
The Problem
You've Outgrown Simple Answers
These aren't edge cases. They're what happens when financial planning and tax planning live in different offices, or when your advisor builds a plan that looks great on paper but ignores what happens when the IRS gets involved.
You don't need another pie chart. You need a planning process that coordinates your income, investments, taxes, and long-term goals, and stress-tests every recommendation before you act on it.
Withdrawal Sequencing
Started taking retirement withdrawals in the wrong order
Thousands in unnecessary taxes, every year
Stock Option Exercise
Exercised options without modeling AMT impact
Tax bill $40K higher than expected
Business + Personal Silos
Personal CPA has no idea what's happening on the business side
Missed deductions, duplicate strategies, conflicting advice
When planning and tax live in different offices, the cost compounds silently.
The scenarios above are hypothetical illustrations and do not represent actual client results. Individual outcomes vary based on personal circumstances.
Core Planning Areas
Every area of your financial life, coordinated by one team that sees the full picture.
Retirement & Income Strategy
Coordinate withdrawal sequencing, Social Security timing, Roth conversions, and portfolio decisions into one cohesive blueprint, modeled against your actual tax situation, not rules of thumb.
Every Recommendation, Tax-Tested Before You Act
This is where United is fundamentally different. Because our team includes CFP® professionals and CPAs working side by side, your financial plan is built against real tax scenarios from day one, not handed off to a separate firm to “review.”
What that looks like in practice:
How We Work
The Planning Process Behind the Plan
A plan is only as good as the process that supports it. Here are the capabilities we bring to every client relationship.
Wealth Coordination
Map income, assets, and liquidity across every account so you can see the full picture, and so every dollar has a purpose.
Goal & Milestone Tracking
Set measurable benchmarks and adjust as life changes, not just once a year during a review meeting.
Risk & Insurance Review
Identify coverage gaps and eliminate unnecessary premiums across your policies.
Social Security & Medicare Strategy
Model claiming strategies, IRMAA surcharge avoidance, and healthcare cost projections so retirement income decisions don't trigger expensive surprises.
Charitable Giving Planning
Donor-advised funds, qualified charitable distributions, and timing strategies designed to maximize both your impact and your tax benefit.
Concentrated Position & Diversification
For those with significant holdings in a single stock: thoughtful, tax-aware diversification on your timeline.
What You'll Actually Feel
CFP® professionals and CPAs working together from day one. Your plan is stress-tested against real tax scenarios, not theoretical ones.
Every projection and recommendation accounts for the tax consequences most plans ignore.
Investment strategy integrated into your plan, not managed by a different firm with a different set of assumptions.
Insurance, retirement income, and tax decisions coordinated together, because a Roth conversion in the wrong year can raise your Medicare premiums for two years running.
Not a 100-page binder you'll never open, but a living strategy that evolves with your life and gives you confidence that the pieces fit together.
How This Connects to Your Full Financial Picture
At United Financial Planning Group, every service is informed by the others. No silos, just one integrated team working across your entire financial picture.
Tax Planning
Your financial plan is only as strong as your tax strategy. Our CPAs build both together.
Investment Management
Portfolio decisions driven by your financial plan, not the other way around.
Retirement Planning
Turn your plan into a sustainable retirement income strategy that accounts for taxes.
What Our Clients Say
Hear from families and professionals who work with our integrated team.
Our Fees
Transparent, fee-only pricing with no commissions or hidden costs.
Guidance from our team of CFP® professionals, CPAs, and Enrolled Agents. Meet the team
Last updated: March 2026
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.