You're Close to Retirement. Let's Make Sure the Numbers Actually Work.
At United Financial Planning Group, our CFP® professionals, CPAs, and Enrolled Agents work as one team to stress-test your retirement readiness — turning savings projections into an income plan you can commit to with confidence.
The Decisions You Make Now Shape Every Year After You Stop Working
The five to ten years before retirement are when the highest-impact financial decisions get made — and most of them can't easily be reversed once you've walked out the door.
You don't actually know if you can afford to retire
A 401(k) balance isn't a retirement plan. Without a comprehensive projection that accounts for taxes, healthcare costs, inflation, and the income you'll actually need, 'Can I retire at 62?' remains an unanswered question. Most people nearing retirement are making one of the biggest financial decisions of their lives based on incomplete information.
Your financial advisor and CPA aren't building the same plan
Your advisor is projecting retirement income. Your CPA is preparing last year's return. Neither knows what the other is recommending, which means your Roth conversion window, catch-up contribution strategy, and tax bracket management aren't coordinated — and the cost of that gap compounds as you approach retirement.
The Roth conversion window is closing faster than you think
The years between your peak earning and the start of Social Security and RMDs are often the best window for Roth conversions — but only if someone is actively watching your tax brackets and modeling the impact. Once that window closes, the opportunity doesn't come back.
Health insurance before Medicare is a blind spot
If you want to retire before 65, you need a plan for the health insurance gap. The options — COBRA, the ACA marketplace, or private coverage — each have different costs, tax implications, and coverage trade-offs. This is one of the most common reasons people delay retirement, and one of the least planned-for.
Your Retirement Readiness, Built by One Coordinated Team
Our CFP® professionals, CPAs, and Enrolled Agents work together on your transition from accumulation to income — so your timeline, tax strategy, and investment positioning all move in the same direction.
Retirement Planning
We build detailed retirement readiness projections that go beyond a savings target — modeling your income sources, tax liability, healthcare costs, and spending patterns to answer 'Can I retire?' with real clarity.
Learn moreTax Planning
Our CPAs and Enrolled Agents work alongside your financial planner to identify Roth conversion opportunities, optimize catch-up contributions, and manage your tax bracket in the critical years before retirement income begins.
Learn moreInvestment Management
We begin repositioning your portfolio for the transition from growth to income — managing risk, improving tax efficiency, and building the account structure you'll draw from in retirement.
Learn moreFinancial Planning
From Social Security timing and pension analysis to health insurance bridging and estate coordination, your financial plan accounts for the full picture — not just the investments.
Learn moreWhat 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.
Guidance from our team of CFP® professionals, CPAs, and Enrolled Agents. Meet the team
Last updated: March 2026
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Our integrated approach helps people across many financial situations.
At United Financial Planning Group, CFP® professionals, CPAs, and Enrolled Agents work together on your retirement — so your withdrawal strategy, tax plan, and estate considerations are built as one cohesive whole, not handed off between offices.
At United Financial Planning Group, our CFP® professionals, CPAs, and Enrolled Agents work together as one team — so your entity structure, tax strategy, compensation plan, and personal wealth are never managed in isolation.
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.