What's the Value of an Advisor Who Sees Everything?
Most advisory firms do one thing. We integrate four (financial planning, investment management, tax planning, and tax preparation) under one roof, for one reason: disconnected advice can be costly.
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This page is for informational purposes only and is not individualized investment, tax, or legal advice. Strategies discussed may not be suitable for every person and do not guarantee results. Investing involves risk, including the possible loss of principal. Tax outcomes depend on individual circumstances and may change as tax laws and regulations change.
The Core Idea
You're Not Just Paying for a Plan. You're Paying for Coordination.
Anyone can build you a financial plan. Plenty of firms manage investments well. Good CPAs are not hard to find.
But when those professionals are at different firms, operating on different timelines, with incomplete views of your financial life, the advice you receive can have gaps. And those gaps can create avoidable costs.
A Roth conversion done in the wrong year. A portfolio rebalanced without considering tax consequences. A Social Security claiming decision made without modeling how it may affect Medicare premiums.
United was built to be the one firm that sees the whole picture.
Typical Setup
DisconnectedAdvisor suggests Roth conversion
CPA pushes back, missing context
Nobody follows through
Window closes. Opportunity gone.
Value lost quietly
United FPG
CoordinatedCFP® professional identifies conversion window
CPA confirms tax impact, same day
Portfolio manager moves the assets
Strategy implemented. You're informed.
Implemented same day
Where the Value Shows Up
Tax-Aware Investing
Keeping More of What You Earn
When your portfolio manager and tax team are on the same team, investment decisions can be evaluated with tax consequences in mind: tax-loss harvesting, rebalancing timing, and asset location coordinated to help reduce unnecessary tax drag.
Proactive Tax Planning
Planning Before April
Multi-year projections, scenario analysis before major decisions, and proactive outreach when tax laws change. The value shows up in decisions made at the right time, with the right information.
Retirement Income Strategy
Making Your Money Last
Which accounts to tap first, when to claim Social Security, whether Roth conversions make sense, how to manage RMDs: modeled as a connected, multi-year strategy, not a series of isolated decisions.
Behavioral Guidance
Avoiding Expensive Mistakes
Markets drop. Headlines get scary. Our job isn't just to build a plan; it's to help you stick to it when the world gets noisy. The best financial decision is often the one you don't make.
Fee-Only & Fiduciary
Aligning Incentives
No commissions. No proprietary products. No revenue sharing. Low-cost index funds and ETFs. When incentives are aligned, the advice is simpler, clearer, and more focused on your goals.
One Firm, One Strategy
No More Playing Middleman
Your CFP, CPA, and portfolio manager work together directly. Opportunities are evaluated with shared context, and implementation is faster because the people responsible are aligned.
1. Tax-Aware Investing
The Return Your Statement Doesn't Show You
Your investment return is a number on a screen. Your after-tax return is what you actually keep, and the gap between those two numbers is where many investors lose money without realizing it.
Tax strategies involve complexities and risks, including the risk that expected tax benefits are not realized. Results vary.
Tax-Aware Coordination Coverage
United FPGTax-Loss Harvesting
Coordinated with actual income
Rebalancing Timing
Tax impact evaluated first
Asset Location
Optimized across account types
Capital Gains Management
Bracket-aware year-round
Withdrawal Sequencing
Aligned with tax plan
All five areas managed by one team, in coordination
Proactive vs. Reactive
Tax projections built for the year
Others: CPA not involved yet
Roth conversion window identified
Others: Nobody looking
Year-end strategy adjusted
Others: Still waiting for March
Return filed, no surprises
Others: Surprises discovered at filing
2. Proactive Tax Planning
The Most Valuable Tax Work Happens Months Before Your Return Is Filed
Many people experience “tax planning” in hindsight: “You should have done that last year.” At United, we plan forward where appropriate.
United does not provide legal advice. Tax outcomes are not guaranteed and depend on your full financial picture and current law.
More Ways Coordination Shows Up
Retirement Income Strategy
How you draw down (which accounts first, when to claim Social Security, whether Roth conversions make sense, how to manage RMDs) modeled as a connected, multi-year strategy.
The Real Question Isn't What We Cost. It's What Disconnected Advice Can Cost You.
If your advisor has never talked to your CPA. If your tax return is prepared by someone who has no idea what your financial plan says. If you're the one connecting the dots between professionals who should be coordinating, there can be a cost to that.
We built United to reduce those gaps through integrated planning, investing, and tax strategy.