Wealth Management for Cold Spring Harbor: Where Scientific Innovation Meets Financial Strategy
United Financial Planning Group serves Cold Spring Harbor Laboratory scientists, biotech executives, and affluent families with equity compensation planning, estate strategy, and integrated tax services, 18 minutes from our Hauppauge office.
CFP® professionals, CPAs, and Enrolled Agents serving Cold Spring Harbor.
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 Cold Spring Harbor Families Choose United
Cold Spring Harbor Laboratory (birthplace of modern DNA research and home to Nobel laureates) defines this community. The biotech ecosystem it has cultivated creates financial planning needs that most advisors aren't equipped to handle.
Equity compensation for biotech and pharma executives
Cold Spring Harbor's biotech community includes executives with ISOs, NSOs, RSUs, and pre-IPO equity. We model exercise timing, AMT exposure, and lockup period strategies to help you maximize the value of your compensation while managing concentration risk.
Intellectual property and royalty income planning
Researchers affiliated with Cold Spring Harbor Laboratory often earn royalty income from patents, publications, and licensing agreements. We structure tax strategies around irregular royalty payments and coordinate them with your salary, investments, and retirement plan.
Estate planning for waterfront properties
Cold Spring Harbor's waterfront homes routinely exceed $1.5M and represent a major portion of family wealth. We use QPRTs, irrevocable trusts, and strategic gifting to minimize estate tax exposure and ensure these properties pass to the next generation according to your wishes.
Tax planning and investing under one roof
Our team includes both CFP® professionals and CPAs, so your equity compensation, royalty income, and estate strategy are all coordinated with your annual tax return. That's critical when you have multiple complex income streams.
Fee-only, always
We don't earn commissions or sell products. Every recommendation is legally required to be in your best interest.
The Cold Spring Harbor Laboratory Effect
Cold Spring Harbor Laboratory is one of the world's premier research institutions. Its contributions to DNA research, cancer biology, and neuroscience have produced multiple Nobel laureates. The laboratory's presence has fostered a community of scientists, biotech executives, and pharmaceutical professionals with highly specialized financial planning needs: equity compensation from pre-revenue startups, royalty income from patents, and the challenge of building wealth outside a single company's stock.
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.