Welcome to United Capital New York and New Jersey

Experience wealth management, reimagined.

Get clarity and control over your financial life — and focus on living the life you really want. See how we help you do it.

About Our Office

The United Capital team in New York & New Jersey works with a small group of clients who are interested in creating a personal, professional relationship that maximizes their financial potential. We invite you to contact us today to learn more about how we can help you pursue your financial goals.

You save. You invest. You have no idea what your money is really capable of accomplishing. You even hire so-called experts, knowing in advance they have other agendas. But you have a life, and becoming a financial watchdog over your assets on a full-time basis is not reasonably part of it.

What you need is an independent, financial specialist to organize your specific goals. United Capital office in New York & New Jersey is that specialist.

Our United Capital team is located at:

Country Club Plaza
115 West Century Road, Suite 160
Paramus, NJ 07652

Telephone: 201.301.8080
Facsimile: 201.301.8090

E-mail: maureen.groh@unitedcp.com

Cary Carbonaro, Managing Director, is also available to meet at the following locations:

New York:

7 Platt Place
Huntington, NY 11743
(P): 201.301.8087

Florida:

20802 S Buckhill Rd.
Clermont, FL 34715
(P): 201.301.8087

To see Cary in the news, click here to see her on social media and in the press!

Affiliated offices:

Huntington

The Money Queen’s Guide: For Women Who Want to Build Wealth and Banish Fear 

Are you a material girl? The truth is that, as women, many of us have a unique relationship with money. We strive for financial security to support our family, work to ensure we can retire comfortably, create independence separate from our partners, and along the way, buy some nice purses. As much as we are motivated to make money, we often do not consider the crucial relationship between what we do today and how it WILL impact our life tomorrow.

From your Roaring 20’s, to your Thrifty 30’s, and all the way to your (hopefully) Smooth 60’s, The Money Queen’s Guide will work to help lead you through each of these financial decades step-by-step and provide insight into the steps you can take, and the decisions you can make to build a financially responsible future.

**Please note: Nothing contained in the book The Money Queen’s Guide should be misconstrued as investment, financial, legal, tax or other professional services advice, but is general information only. Nor is the information provided in the book being offered by United Capital Financial Advisers, LLC, its parent or its subsidiary entities.

Buy the book

Cary in the News

PIX 11

PIX Financial Fix: Leadership lessons from ‘Fearless’ women in finance

Read More

Why United Capital?

Financial Life Management

We’re not the typical wealth management firm. We looked around the industry and thought that there was a better way. So we created it. We developed a process that’s focused on helping you live your ideal life. One that continually adapts to the changing world and your changing circumstances. We call it Financial Life Management. And it’s totally unlike anything you’ve experienced before.

A Unique Approach

We’ll take the time to get to know you and understand the life you want to live. With collaborative, engaging digital tools, we’ll work with you to create a clear framework for living your ideal life. The result is a plan that’s dynamic and personalized — not one-and-done or one-size-fits-all.

Real Results

We help you align your decision-making with your ideal life, so you can achieve balance — and a healthy relationship with your money. That means we go beyond investments and investment results to help you live the life you want today. After all, isn’t that what a wealth manager is for?

United Capital: Imagine

Michael Duncan
Managing Director
Cary Carbonaro
Managing Director
Dawn Robertson
Director of Operations
Rich Westhelle
Wealth Manager
Maureen Groh
Relationship Manager
Dawn Evelyn Gruschow
Client Service Manager
Terri Bolden Ward
Managing Adviser
Lacey Mulroy
Relationship Manager
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Michael Duncan

Managing Director

michael.duncan@unitedcp.com

Michael Duncan is in his third decade in the Financial Services industry, where he has built a business that helps families and individuals pursue the goals that are important to them. He is Managing Director of United Capital of New York & New Jersey, previously President and Sole Owner of DFG Advisors, Inc., which he created to provide an independent and entrepreneurial fee-based advisory firm. The advisers at United Capital in New York & New Jersey utilize its proprietary planning system, The Honest Conversations® system, to help guide their clients into the future.

Michael graduated from Williams College in 1986 with a BA in Economics. He also earned the Chartered Financial Consultant designation from the American College in 1994. His passions and hobbies include spending time with family and friends, golfing and skiing.

Michael resides in Westchester County, New York and Cape Cod, Massachusetts, during the summer with his wife Elisabeth.


Securities offered through Girard Securities, Inc. (“Girard”), a registered brokerdealer, member FINRA/SIPC. Investment Advisory services offered through United Capital Financial Advisers, LLC (“United Capital”), an investment adviser registered with the SEC. Girard and United Capital are separate and unrelated companies. Check the background of this investment professional on FINRA’s BrokerCheck.

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Cary Carbonaro, MBA, CFP®

Managing Director

cary.carbonaro@unitedcp.com

Connect on LinkedIn
Twitter
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See Cary in the media

Cary Carbonaro is an award-winning*, internationally known Personal Finance Professional. She is a CERTIFIED FINANCIAL PLANNER professional with an MBA in Finance, in her second decade of experience in financial services. In 2014, she was named an Ambassador for the CFP® Board, one of only 50 in the United States. Cary’s book “The Money Queen’s Guide for Women Who Want Build Wealth and Banish Fear” (Morgan James, October 2015) was an Amazon #1 Best Seller in several countries for Wealth Management books. It was also ranked as one of the “Top 10 Books that Can Make You Rich” by Daily Worth. Cary is the recipient of the prestigious “2016 Investment News Women to Watch” award. She is a passionate female advocate and champion of financial literary. She counsels her clients on how to life their One Best Financial Life®.

Cary is frequently sought out for her opinions and is a leading influencer in her profession. She was listed as #2 on financial Twitter, just behind Suze Orman, as one of the women you want to follow all year round. She is listed as one of “The Most Influential Women in Finance on Twitter." Cary has been a guest on “Fox & Friends," “The Today Show,” CNN, CNBC, CBS, Fox News, ABC and NPR and is a frequent guest on Fox 5, PBS Nightly Business and WPIX NY. She has been quoted in a variety of well-known publications, including, The Wall Street Journal, Newsday, New York Post, USA Today, Cosmopolitan Magazine, Teen Vogue, AARP, Time Magazine, Money Magazine, Bloomberg, Huffington Post, Bankrate, More Magazine, Business Insider, Reuters, Forbes, Kiplinger’s, U.S. News & World Report and Investor’s Business Daily. She has also served as the Orlando Sentinel’s “Money Matters Hotline” Expert. For a full of list of Cary’s media appearances, please visit: moneyqueenguide.com/press/.

Cary has spoken all over the world about financial literacy for women.

Her volunteer work includes:

  • Vice President of the Long Island chapter of Ellevate (formerly 85 Broads), a women’s professional networking organization
  • Founding President of the South Lake (Florida) Community Foundation, Women’s Giving Circle, which provides community, based philanthropic support
  • The 2017 Go Red for Women Honoree for Long Island
  • CFP® Ambassador
  • CFP® mentor to multiple women
  • Center for Financial Planning donor and Committee Member

*Awards are not indicative of investment performance. 

Cary is available to meet at the following locations:

  • Long Island, NY, Huntington
  • New York City, Midtown
  • Central Florida, Clermont
  • Paramus, New Jersey

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Dawn Robertson

Director of Operations

dawn.robertson@unitedcp.com

Dawn plays an active role in working directly with the clients of United Capital of New York & New Jersey to provide a link between them and the advisers of our firm. She provides support through ongoing contact and project management. Her specialties include having detailed knowledge of the specifics involved in each one of our client situations. This provides our team the ability to deliver timely, accurate and holistic wealth counseling that ultimately helps our clients make decisions that will allow them to live their one best financial life.

Dawn resides in Fair Lawn, New Jersey, with her husband, Billy, and their three children

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Rich Westhelle, CFP®

Wealth Manager

rich.westhelle@unitedcp.com

Rich Westhelle is in his eighth year in the financial services industry, where he has worked exclusively in fee-based investment advice and financial planning field. He serves as a reliable resource to help guide clients' make decisions on how to best use their finances to achieve their goals.

Rich graduated from The Ohio State University, where he earned a Bachelors of Science in Family Resource Management. He is currently a CERTIFIED FINANCIAL PLANNER practitioner. He also holds Series 7, 63 and 65 and Life and Health Insurance licenses.

Rich lives in Monticello, Arkansas, with his wife, Amanda, and one daughter, Savanna. He enjoys sports, movies and spending time with family and friends.


Securities offered through Girard Securities, Inc. (“Girard”), a registered brokerdealer, member FINRA/SIPC. Investment Advisory services offered through United Capital Financial Advisers, LLC (“United Capital”), an investment adviser registered with the SEC. Girard and United Capital are separate and unrelated companies. Check the background of this investment professional on FINRA’s BrokerCheck.

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Maureen Groh

Relationship Manager

maureen.groh@unitedcp.com

As an important member of the United Capital of New York & New Jersey team, Maureen Groh works with our clients through ongoing contact to offer operational support and provide resolution to their specific needs. She also plays an active role in following up on inquiries made of the firm for potential business.

Her specialty is in the administration of our Investment Management and Insurance services and affording our clients the peace of mind that the United Capital family is here to support theirs.

Maureen resides in West Milford, New Jersey, with her husband, Ted, their two children and their Labrador, Jake.

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Dawn Evelyn Gruschow

Client Service Manager

dawn.gruschow@unitedcp.com

Dawn Evelyn Gruschow has over 20 years working in the corporate arena. Her diversified work experience includes working in the Financial Industry for a Merger Arbitrage Hedge Fund for nearly six years. She holds a BA in Sociology from Montclair State University and a Certificate in Financial Accounting from the New York School of Finance. Dawn Evelyn is a member of Alpha Kappa Delta, The International Sociology Honor Society. She also offers special experience through her many years of volunteer work, which includes volunteering abroad with Habitat for Humanity International.

As an important member of the United Capital of New York & New Jersey team, Dawn Evelyn works with our clients through ongoing contact to offer superior operational support. Her primary goal is to provide top-notch service so that our clients can have a peace of mind that the United Capital family is here to support theirs. She assists the Relationship Manager in all aspects of the administration and execution of the specific needs of each client, providing quality and timely responses to inquiries and resolutions. She is the first point of contact of both current and prospective clients. She coordinates and schedules client meetings for the Managing Directors and Wealth Adviser. Her specialty is providing a high standard of support to our clients through accuracy and efficiency.

Her passion is spending quality time with her family and volunteering her time for good causes. She has been a resident of Fort Lee, New Jersey, for over 25 years. She is the proud mother of four children, Kristina, Larissa, Elizabeth and Liam.

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Terri Bolden Ward, CFP®

Managing Adviser

terri.ward@unitedcp.com

Terri Bolden Ward established her career in financial planning and investments in 1997. With over 15 years’ experience, she has developed an integrated approach to financial planning, which is to consider everything the client wants to accomplish today while helping them remain focused on the future.

After spending the last eight years as an Investment Adviser Representative with another Investment Advisory Firm, Terri wanted to expand her ability to serve as her clients' most trusted adviser. Prior to joining United Capital, she established Richland Advisory, LLC to create a unique firm where the primary purpose is offering unbiased, objective advice based on each client’s specific financial goals. She continues to accomplish this at United Capital by leveraging the latest integrated technology, investment research and financial guidance strategies, while always providing a personal commitment to serve the clients' long-term needs.

Terri's role as Managing Adviser is to listen to her clients' goals, personally analyze their unique situations, then offer planning solutions that not only incorporate what the clients know they want but also what they may not realize they need.

Terri's clients typically fall into one or more of these categories:

  • They are successful professionals or business owners who lack the time, expertise or desire to manage their financial situation with the same dedication and energy they devote to their career
  • They have financial products, but no unbiased adviser who has the responsibility of coordinating an integrated financial plan that aligns all of the client’s objectives
  • They are seeking guidance because their situation has become more complex, often due to a crossroad in life: change in job, birth or adoption, impending retirement or inheritance

Within this approach, Terri is committed to:

  • Put the clients' interest first
  • Keep all client information strictly confidential
  • Take complex financial planning issues and explain them in a straightforward, unbiased manner

Terri was born and raised in Nashville, Tennessee, and graduated from Brentwood Academy. She attended Georgia Tech on an athletic scholarship where she graduated with honors, earning a Bachelor of Science in Management with certificates in Finance and Economics. During her Division-I athletic career, Terri was named to both the Athletic and Academic All-ACC Teams.

She completed Belmont’s CERTIFIED FINANCIAL PLANNER program and became a CFP® practitioner in 2003.

In addition, Terri is a former board member of the National Association of Women Business Owners and a member of the Financial Planning Association. Terri and her husband, Jon, have two children and reside in Brentwood, Tennessee. In her free time, Terri enjoys teaching Sunday school class, playing tennis, biking and attending her children’s athletic events.

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Lacey Mulroy, RP

Relationship Manager

lacey.mulroy@unitedcp.com

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115 W. Century Rd., Suite 160
Paramus, NJ 7652
201-301-8081

Securities offered through Girard Securities, Inc. (“Girard Securities”), a registered broker/dealer, member FINRA/SIPC. Advisory services offered through United Capital Financial Advisers, LLC (“United Capital”) a Registered Investment Adviser. Girard Securities and United Capital are separate and unrelated companies.


Check the background of this investment professional on FINRA’s BrokerCheck.