Our team believes in financial guidance. What this means to clients is that before any actions are implemented, a carefully constructed plan is put into place that accounts for clients’ current resources and future goals. Once this plan is crafted, the other components of our wealth counseling services are initiated. This may mean guidance on investment accounts, presenting various risk management solutions, and help implementing various wealth management strategies at the corporate level – whether it’s counseling on buy/sell agreements, defined benefit plans, or providing retirement planning services to key executives.
Within a complete financial plan, United Capital pulls together all aspects of wealth – investments, taxes, retirement, education, philanthropy and family. We explore how our clients feel about their wealth, and what they want out of life for themselves and the people they care about. We then develop a plan that helps them meet their needs, achieve their goals and hopefully live their dreams. This process begins by looking at 41 specific metrics of an individual’s financial life and proceeds to conduct – to the metrics that apply – a goals-based gap analysis to determine the areas for improvement.
From portfolio re-balancing, to making an annual gift for college funding, to setting meetings to ensure that wills are updated – United Capital undertakes a systematic approach to address the areas that require attention. These actions steps are prioritized based on the need and frequency of the individual item, and is managed by the United Capital team, incorporating the other professionals of one’s financial team, when necessary.
In order to enhance the ability to provide ongoing guidance and monitoring, clients are given access to a personalized and secure website that gives them access to their entire financial picture. Included on the site is a virtual vault that has the capability to store items of your choice, as well as a method to directly share items with us. Our system updates account balances nightly and alerts us when something needs attention. Bottom line -United Capital looks out for what is most important to our clients.
United Capital has a planning-focused approach to investment management. Our investment strategies are custom-designed to help our clients meet their long-term financial goals. We do not try to outperform various benchmarks; we strive to meet client goals with the least amount of risk. We act objectively and independently and our due diligence process is extensive and ongoing. We are committed to screening, monitoring and hiring the best of investment managers. If a manager does not meet our standards, we terminate the relationship. We help clients develop an Investment Policy Statement, which is the foundation for all future investment decisions. It serves as a guidepost, identifies goals and creates a systematic review process. The Investment Policy Statement keeps us focused on long-term objectives during short-term swings in the market. It provides a baseline from which to measure investment performance of the overall portfolio, as well as the performance of individual money managers.
A sound financial plan is only sound if the proper protections are put in place. Throughout the financial planning process, United Capital works with clients to identify risks that could get in the way of achieving their goals. We then develop creative insurance solutions to minimize those risks. We also work with our clients’ legal and tax advisors to provide customized insurance solutions in complex estate planning matters to facilitate inter-generational planning, help minimize tax liabilities and maximize benefits going to heirs.
Corporate Retirement Planning
In Florida’s tight labor market, the employee benefit package can make all of the difference in the race to attract and retain talent. United Capital’s retirement planning professionals work with businesses of all sizes and industries to design and implement retirement and executive benefit plans that meet corporate objectives and help employees achieve financial goals. At the heart of our services is education. Participation in a retirement plan is one of the most important financial decisions a person can make and we make sure that employees understand that. Our CERTIFIED FINANCIAL PLANNER™ professionals and dedicated enrollment staff conduct fun and informative meetings to help your employees.
Along with these core offerings, we offer guidance in many other wealth management areas.
*Award not indicative of investment performance.
We believe a persons financial life isn’t just about money; it’s about a their entire life. We help clients make better decisions by using our judgement, creativity, and empathy to guide and optimize how they make financial decisions.
That’s why we built United Capital: to reimagine wealth management so that money serves our clients and the life they want, not the other way around.
Money means something different to each of us. Whether you see it as a way to enjoy life, protect yourself from pain or take care of the ones you love, the way you feel about money effects the financial decisions you make every day.
When you understand what your money means to you, you can make clear, smart choices about your financial life.
Our advisors have access to many high-quality services that enable us to ensure that your money is always working throughout your life towards the life you want.
Want to speak with us now? Give us a call at 833-346-5433
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Securities offered through Cetera Advisor Networks LLC (“Cetera”, doing insurance business in CA as CFGAN Insurance Agency), member FINRA/SIPC. Investment Advisory services offered through United Capital Financial Advisers, LLC (“United Capital”), an investment adviser registered with the SEC. Cetera is under separate ownership from any other named entity.