Retirement Planning Where Your Advisor and Your CPA Are the Same Team
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.
When the Paycheck Stops, the Decisions Multiply
Retirement introduces a layer of financial complexity most people don't see coming — and decisions around taxes, withdrawals, and Social Security don't wait for you to get organized.
Your advisor and CPA make decisions in isolation
Most retirees work with a financial advisor and a CPA who have never spoken to each other. When your advisor recommends a Roth conversion and your CPA doesn't know about it until April, you may face unexpected IRMAA surcharges or a higher tax bracket that neither professional planned for. The gaps between advisors cost real money in retirement.
Withdrawals feel like guesswork without a strategy
Which account do you pull from first — and when? The order in which you draw down taxable, tax-deferred, and Roth accounts has lasting consequences for your tax liability and how long your money lasts. Without a coordinated withdrawal strategy, you risk overpaying taxes or depleting assets faster than necessary.
RMDs can quietly erode your retirement income
Required minimum distributions can push you into a higher tax bracket, trigger Medicare surcharges, or increase the portion of your Social Security that's taxable. Without proactive planning, RMDs become a recurring source of tax surprises rather than a manageable part of your income strategy.
IRMAA surcharges add up when no one is watching
A single Roth conversion or capital gain in the wrong year can push your modified adjusted gross income above an IRMAA threshold, increasing your Medicare premiums for the following year. Managing that threshold requires your financial planner and tax professional to coordinate — not react after the fact.
Your Income, Taxes, and Investments — Finally Coordinated
Our CFP® professionals, CPAs, and Enrolled Agents work as one team, so your retirement income strategy and tax plan are built together — not reconciled after the fact.
Retirement Planning
We build a retirement income plan that coordinates withdrawal sequencing, required minimum distributions, Social Security optimization, and estate considerations — pulling every lever together rather than one at a time.
Learn moreTax Planning
Our CPAs and Enrolled Agents work alongside your financial planner to identify opportunities for tax-efficient withdrawals, proactive Roth conversions, and strategies to manage IRMAA thresholds before they become surprises.
Learn moreInvestment Management
We manage your portfolio with your full retirement picture in mind — account location, withdrawal sequencing, and risk appropriate to your income needs, not just your age.
Learn moreFinancial Planning
From income projections to Medicare planning to estate coordination, your financial plan is a living document — updated as your life changes, not filed away after your first meeting.
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, 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.
United Financial Planning Group brings together CFP® professionals, CPAs, and Enrolled Agents under one roof — so your financial plan, investment strategy, and tax picture are never managed in silos.
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.