Investment Management That Answers to Your Financial Plan, Not the Other Way Around
Low-cost, tax-efficient portfolio management built on index investing, guided by your financial plan and tax situation, because the most effective portfolio is the one you actually keep after taxes.
Low-Cost Index Funds
Avg expense ratio 0.06%
Tax-Efficient Structure
Asset location optimized
Plan-Driven Allocation
Built from your financial plan
Tax-Optimized Allocation
The Problem
Your Portfolio Doesn't Exist in a Vacuum. So Why Is It Managed Like It Does?
Your advisor rebalances in December without asking your CPA how it'll hit your return. You're paying capital gains taxes that could have been offset, if anyone had been paying attention.
Most investment managers optimize for one thing: returns before taxes. But returns before taxes aren't what you spend. What you spend is what's left after the IRS takes its share.
Typical Setup
DisconnectedToo late to offset, no losses harvested
Unnecessary tax bill: $12,400
United FPG
CoordinatedModels rebalance impact on this year's return
Rebalances using contributions + dividends
Tax saved: $12,400, portfolio on target
At United, your portfolio is never managed in isolation. It's managed in service of your financial and tax plan, always.
The scenarios above are hypothetical illustrations and do not represent actual client results. Dollar amounts shown are for illustrative purposes only. Individual outcomes vary based on personal circumstances.
Fee Structure
How Your Advisor Gets Paid Changes What They Recommend
Not all financial advisors are compensated the same way, and the difference directly affects what ends up in your portfolio. United is fee-only: we don't earn commissions, sell products, or receive referral fees. The only people who pay us are our clients.
Fee-Only
United FPG
Fee-Based
Hybrid model
Commission
Product sales
Over a 20- or 30-year retirement, the difference in fees alone may amount to hundreds of thousands of dollars that either stay in your portfolio or quietly disappear into someone else's.
Our Investment Philosophy
Simple. Disciplined. Tax-Efficient.
We don't chase performance. We don't try to time the market. And we don't use expensive, actively managed funds that statistically underperform their benchmarks over time.
Low-Cost Index Investing
We build globally diversified portfolios using low-cost index funds and ETFs. The evidence is clear: according to the S&P SPIVA Scorecard, the majority of actively managed funds have underperformed their benchmark over 15- and 20-year periods. We'd rather put that fee savings back in your pocket and let compounding do the work.
Tax-Aware Investing in Practice
How Tax-Aware Investing Works in Practice
Six coordinated strategies that turn portfolio management into after-tax wealth building.
Tax-Loss Harvesting
When positions decline, we strategically realize losses to offset gains elsewhere, coordinated with your actual tax situation, because a loss that saves you 37 cents on the dollar is worth a lot more than one that saves you 12.
Asset Location Optimization
The same investment can produce very different after-tax results depending on which account it sits in. We place bonds and REITs in IRAs while keeping tax-efficient equity index funds in taxable accounts.
Rebalancing With Tax Consequences in Mind
We rebalance strategically, using new contributions, dividends, and tax-loss harvesting opportunities to bring your portfolio back to target without creating avoidable tax bills.
Capital Gains & Bracket Management
We monitor your taxable income throughout the year and time investment decisions accordingly, because the same team managing your portfolio is also managing your tax plan.
Equity Compensation & Concentrated Positions
ISOs, NSOs, RSUs, or a concentrated single-stock position: we integrate equity compensation into your overall allocation and model exercise and diversification strategies with tax consequences in mind.
Withdrawal & Distribution Coordination
Which account you pull from, and when, can dramatically change your tax bill in retirement. We sequence withdrawals across taxable, tax-deferred, and Roth accounts to keep you in the lowest bracket possible, year after year.
The United Difference
The Difference Between Managing a Portfolio and Managing Your Wealth
Most investment managers will build you a good portfolio. Some will even build a great one. But very few will call your CPA before rebalancing. Almost none will model how a trade in your brokerage account affects your Medicare premiums two years from now.
We do, because the people managing your portfolio are the same people managing your financial plan and preparing your tax return.
There's no handoff, no game of telephone, no hoping that two separate firms happen to make compatible decisions.
Your investments, your tax plan, and your financial plan: one team, one strategy.
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
Tax-loss harvesting, asset location, and Roth conversion strategies, managed alongside your portfolio.
Financial Planning
Portfolio decisions should flow from your plan, not the other way around. We do both.
Equity Compensation
RSUs, ISOs, and NQSOs require specialized investment and tax coordination, handled in-house.
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 for Investment Management That Sees the Full Picture?
Schedule a no-pressure conversation. We'll listen to how your portfolio is currently managed, what's working, what isn't, and whether a more coordinated approach could make a meaningful difference.