Financial Planning for St. James: Where Artisan Character Meets Thoughtful Wealth Building
United Financial Planning Group serves St. James artisan business owners, families in the Smithtown School District, and late-career professionals with integrated financial planning, tax preparation, and investment management, just 10 minutes from our Hauppauge office.
CFP® professionals, CPAs, and Enrolled Agents serving St. James.
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 St. James Residents Choose United
St. James is home to the oldest continuously operating general store in the United States, and that artisan, small-town character carries through the entire community. Financial planning here reflects that independence: practical, grounded, and built for the long haul.
Small business and artisan business planning
St. James has a strong tradition of independent businesses, from specialty shops to craft producers. We help small business owners set up retirement plans, manage cash flow, plan for succession, and separate personal finances from business finances in a tax-efficient way.
Retirement strategies for late-career professionals
Many St. James residents are within 5–10 years of retirement and realizing they need a plan. We build catch-up contribution strategies, model Social Security timing, and create withdrawal plans that balance income needs with tax efficiency during the critical pre-retirement window.
Home equity optimization
With home values ranging from $550K to $900K, St. James homeowners carry meaningful equity. We help you decide how to use that asset, whether it's downsizing to fund retirement, leveraging equity for a rental property, or simply making sure it's factored into your overall financial plan.
Tax planning and investing under one roof
Our team includes both CFP® professionals and CPAs. Your small business income, retirement contributions, and personal investments are all coordinated with your tax return. That's important when you're juggling W-2 and 1099 income.
Fee-only, always
We don't earn commissions or sell products. Every recommendation is legally required to be in your best interest.
St. James: Small-Town Character, Real Planning Needs
St. James is defined by its artisan character: the St. James General Store has operated continuously since 1857, and Deepwells Farm hosts community events that draw families from across the North Shore. The Smithtown Central School District serves the area, and the LIRR station on the Port Jeff Branch gives residents a direct Manhattan connection. Underneath that small-town charm are real financial planning needs: business owners without retirement plans, late-career professionals with catching up to do, and homeowners sitting on equity they haven't incorporated into a strategy.
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.