Connect with a financial advisor: 833-346-5433
Connect with a financial advisor

Welcome to
Guidance-Driven Investing

Ultimately, money is a resource to help you live your best possible life. Because your goals are unique, we believe your investment portfolio should be, too. Your advisor will engage in a collaborative process that takes the guesswork out of investing.

  • We take time to learn your goals and priorities.
  • You can make clear, informed decisions.
  • We build a financial plan, so that your investments can help you lead the life you want to live.
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How do we build a portfolio?

We build a customized, personalized portfolio tailored to your preferences using our investment tools. Here’s how:

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Understand

Learn how your personal investing preferences may have a big impact on your investment portfolio.

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Evaluate

Compare your preferences against your current portfolio and align them to your target risk profile.

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Build

Our advisors will build portfolios customized to your priorities and goals, using strategies managed by experienced, professional portfolio managers.

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Monitor

Monitor and adjust your investments as your life and priorities change.

Understand Your Investment Preferences

The InvestmentViewfinder provides simple questions that show you how your investment preferences can have a great impact on your portfolio.

  • Participate in an open dialogue about investments with your advisor.
  • Understand the benefits and trade-offs to your investment decisions.
  • Prioritize investment attributes to help your advisor create your customized portfolio.

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Evaluate: Compare Your Preferences to Your Portfolio

We believe there’s no such thing as a one-size-fits-all portfolio. The financial plan you build with your advisor, and your output from the InvestmentViewfinder exercise, helps to determine the investment attributes most important to you and the benefits and trade-offs to each.

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Performance

Objective

Seeks higher relative returns in the long run (a full market cycle).


Trade-offs
  • Forgo being tax-conscious
  • Forgo protection against severe market declines
  • Higher cost
  • Higher risk
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Low-Cost Tracking

Objective

Seeks to closely and predictably match its benchmark at a low cost.


Trade-offs
  • Forgo relative outperformance versus the benchmark
  • Forgo protection against severe market declines
  • Forgo being tax-conscious
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Protection

Objective

Seeks to mitigate against severe bear market declines.


Trade-offs
  • Forgo being tax-conscious
  • Forgo relative outperformance versus the benchmark
  • Higher cost
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Tax Advantaged

OBJECTIVE

Seeks to lower taxes in the long run (a full market cycle)


TRADE-OFFS
  • No pre-tax outperformance
  • Forgo protection against severe market declines
  • Higher cost

Build: Create Your Customized Portfolio

Your advisor will build your customized portfolio with a core strategy and specialized solutions, based on your goals and your suitability for certain investments. The core strategy provides exposure to stocks and bonds, while specialized investments will complement your portfolio with active equity strategies, personalized tax-managed strategies, or values-based strategies.

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Start With Your Customized Core

Core portfolio
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Leverage InvestmentViewfinder Results

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Build Your Personalized Portfolio

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Monitor: GuideCenter Keeps You Up to Date

Keep tabs on your investments with GuideCenter®, a dynamic, easy-to-use online financial life management portal that helps you engage with your advisor to oversee your finances anywhere, anytime. It allows you to take on life’s changes with clarity and control—no matter how complex life can become.

  • Access, store, and share all of your financial information in one place including accounts, portfolios, and goals.
  • View your financial life in real time from a phone, computer, or tablet.
  • Communicate with your advisor through email and our proprietary VideoMessenger tool.

An Investment Proposal that Empowers You

Our unique investment proposals create a custom profile built just for you—evaluating taxes, performance, cost, and protection. Each proposal is designed especially to help you Live Richly℠.

Browse a Proposal

Meet United Capital's Chief Investment Officer, Kara Murphy, CFA®

Interested in hearing what a leading expert has to say about the current market conditions? Every month, our CIO, Kara Murphy, writes her market commentary to keep you updated on the latest market trends and conditions.

Read Kara’s Commentaries

Meet Our Team

David Hallman, CFA®

Vice President, Investment Oversight and Operations

Stephen Tuckwood, CFA®

Vice President, Head of Research

Christian Yoss, CFP®

Vice President, Head of Investment Management Advocates

United Capital Financial Advisers, LLC (“United Capital”) is an affiliate of Goldman Sachs & Co. LLC and subsidiary of The Goldman Sachs Group, Inc., a worldwide, full-service investment banking, broker-dealer, asset management, and financial services organization. United Capital does not provide legal, tax, or accounting advice. Clients should obtain their own independent legal, tax, or accounting advice based on their particular circumstances.

United Capital provides sub-manager services to non-affiliated investment advisors to help service their clients’ investment management needs. When managing assets as a sub-manager, United Capital relies solely on the client’s advisor to determine what the specific needs and circumstances of each client are and to choose the investment options that are appropriate to help meet each client’s needs. United Capital solely relies on information provided by the client’s advisor and does not independently verify any information provided.

All names, logos, and slogans identifying United Capital and United Capital’s products and services (including, without limitation, HonestConversations®, MoneyMind®, FinLife®, Financial Control Scorecard®, Live Richly, We Help You Live Richly, Helping People Live Richly®, One Best Financial Life®, Ideal Life Index®, GuideCenter®, InvestmentViewfinder, United Capital Financial Life Management®, and Financial Years of Freedom) are trademarks and service marks or registered trademarks and service marks of United Capital or its affiliates in the United States and/or other countries.

For clients with managed accounts, United Capital has discretionary authority over investment decisions. Investing involves risks, and clients should carefully consider their own investment objectives and never rely on any single chart, graph, or marketing piece to make an investment decision. The information, data, analyses, and opinions contained herein include confidential and proprietary portfolio information of United Capital, may not be copied or redistributed for noncommercial or personal purpose without United Capital’s expressed permission, and do not constitute investment advice. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Except as otherwise required by law, United Capital and your advisor shall not be responsible for any trading decisions, damages, or other losses resulting from or related to this information, data, analyses, or opinions or their use.