You've Spent Decades Building Wealth. The Next Chapter Is About Making It Last.
Most retirement plans ignore the single biggest variable: taxes. Ours is built around it, because the difference between a good retirement and a great one is often what you keep, not what you earn.
The Problem
The Questions That Keep You Up at Night
When should I claim Social Security, and what does that decision actually cost me over 20 years?
Am I withdrawing from the right accounts in the right order?
Should I be doing Roth conversions now, and how much is too much?
What happens to my Medicare premiums if my income spikes in one year?
Will my money actually last?
These aren't abstract planning questions. They're real decisions with real tax consequences, and getting the sequence wrong can quietly cost you tens or even hundreds of thousands of dollars over the course of retirement.
The problem is that most advisors treat these as separate decisions. Your financial advisor picks a withdrawal rate. Your CPA files your return. Nobody models how one choice cascades into the next.
We do.
Every retirement decision at United is modeled as a connected system: income, taxes, Medicare, and portfolio, together.
Retirement decisions coordinated across taxes, income, and Medicare
When your withdrawal plan, Roth conversions, and tax return are managed by the same team, every decision is modeled together. Separate advisors mean separate assumptions, and costly surprises in retirement.
Schedule a retirement conversationHow We Approach Retirement Planning
Every Retirement Decision Is a Tax Decision
Retirement planning at United isn't a projection spreadsheet you review once a year. It's an ongoing, actively managed strategy where your income plan, your portfolio, and your tax return are coordinated by the same team, in real time.
Roth Conversion Modeling
When we recommend a Roth conversion, we've already modeled the impact on your Medicare premiums two years from now.
Core Areas We Manage in Retirement Planning
Five interconnected decisions that determine how long your money lasts, and how much you keep after taxes.
Withdrawal Sequencing & Income Strategy
Which accounts do you draw from first, and when do you switch? We design a withdrawal plan across taxable, tax-deferred, and tax-free accounts that minimizes your lifetime tax burden, not just this year's bracket.
Social Security Optimization
The difference between the best and worst claiming strategy for a married couple can be six figures over a lifetime. We model your specific situation (factoring in your tax picture, your other income sources, and your longevity assumptions) so you make this irreversible decision with confidence.
Roth Conversion Planning
There's often a window (especially in the years between retirement and RMDs) where strategic Roth conversions can dramatically reduce your future tax burden. We identify those windows and size the conversions to stay within optimal brackets year by year.
Medicare & Healthcare Cost Planning
IRMAA surcharges can quietly add thousands to your annual healthcare costs if your income crosses certain thresholds. We model retirement income decisions with Medicare brackets in mind, so a smart tax move in one year doesn't become an expensive healthcare surprise two years later.
RMD Management
Required minimum distributions force taxable income whether you need it or not. We build strategies to reduce the impact of RMDs before they begin (through Roth conversions, charitable giving, and bracket management) and manage them tax-efficiently once they start.
The United Difference
Why Retirement Planning at United Is Different
At most firms, your retirement plan is a document. At United, it's a living strategy managed by the same CFP® professionals and CPAs who handle your investments and prepare your tax return.
When tax law shifts, we update your projections immediately, not at your next annual review.
When the market drops, we look for Roth conversion opportunities while prices are low.
When your income changes, we re-optimize your withdrawal sequence and bracket strategy in concert.
Your retirement plan, your investment strategy, and your tax return, built and managed by one team that sees the full picture.
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
Roth conversions, RMD strategies, and Social Security timing, all built around your tax bracket.
Financial Planning
Your retirement plan is one piece of a comprehensive financial roadmap. We build both together.
Investment Management
Tax-efficient drawdown strategies that make your retirement portfolio last longer.
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
Retirement Is Too Important to Wing It
Schedule a no-pressure conversation. We'll listen to where you are in the process, answer your questions, and help you understand what a coordinated approach could look like for your situation.