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.

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Awarded #2 on Barron's Top 40 independent advisory firm list for 2018*

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About Our Office

The United Capital New York & New Jersey office is headed by Managing Directors Michael Duncan and Cary Carbonaro. Both Michael and Cary have deep roots within the New York & New Jersey areas with over 50 years of combined financial planning experience.

At the United Capital New York & New Jersey office we help our clients attain security and confidence. Our clients achieve this by working toward the goal of providing for themselves and the people they truly care about. We help clients identify their financial biases, and understand how these affect the way they make decisions about money.

Your finances play a major role in how you are able to live your ideal life. That’s why we are proud to be nations first “Financial Life Manager”, a phrase coined by our CEO Joe Duran. Click here to read Joe’s personal story and learn about his inspiration to build United Capital as the country’s largest Financial Life Management firm.

Michael and Cary serve a wide network of clientele and are available to meet in Paramus, NJ and Manhattan, NY. We are also available to meet in our offices in Huntington, NY and Clermont, FL.

If you have any questions or would like to set up a consulting appointment call us at 201-301-8080 or email dawn.gruschow@unitedcp.com.

Find out your Money Mind®!

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


Affiliated offices:

Huntington
Clermont
Boston

Articles

United Capital Blog

Strategizing When Young Will Help You Achieve your Desired Future

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United Capital Blog

How Planning and Having Plans for the Future Differ Significantly

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United Capital Blog

Tough Conversations Help Investors Prepare For Multiple Future Outcomes

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United Capital Blog

Erase Blind Spots to Make Better Investing Decisions

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The information being provided is strictly as a courtesy. When you link to any of the web sites provided herewith, you are leaving this site. We make no representations as to the completeness or accuracy of the information provided at these sites. Nor is United Capital liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third party technology, sites, information and programs made available through this site. By clicking on the link above you will leave our web site and assume total responsibility and risk for your use of the site you are linking to.

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
Chad Rishel
Senior Wealth Manager
Maureen G. Groh
Senior Relationship Manager
Colleen Martinez
Client Services Manager
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Michael Duncan

Managing Director

michael.duncan@unitedcp.com www.linkedin.com/in/michael-s-duncan https://twitter.com/michaelsdu...

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.

Registered Representative of and offering securities through Cetera Advisor Networks LLC (“Cetera”), 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.


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Cary Carbonaro, MBA, CFP®

Managing Director

cary.carbonaro@unitedcp.com

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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 literacy. She counsels her clients on how to live 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

Cary Carbonaro is not affiliated or registered with Cetera Advisor Networks LLC. Any information provided by Cary is no way related to Cetera Advisor Networks LLC or its registered representatives.

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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 help 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 is in his tenth year in the financial planning industry where he works with clients to successfully develop and achieve their financial goals. He serves as a reliable resource and problem solver, who guides clients in their decision making process on how to best use their resources and prioritize based on what is most important to them. 

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.

Registered Representative of and offering securities through Cetera Advisor Networks LLC (“Cetera”), 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.


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Chad Rishel, CFP®, CLU®

Senior Wealth Manager

chad.rishel@unitedcp.com

Chad Rishel has worked in the financial services industry since 2005, helping families plan for and live their best financial lives.  Through our unique Financial Life Management process, Chad works directly with clients as part of a team at United Capital that is focused on providing clients with clarity, organization, accountability, objectivity, and an action plan.  He serves investment advisory clients in the greater Boston, MA, Providence, RI and Portland, ME areas.

Chad graduated from The Pennsylvania State University in 2003 with a BS in Economics.  He has also earned the CERTIFIED FINANCIAL PLANNER certification from The College for Financial Planning.

Chad and his wife, Jennifer, live in the Boston area.  He enjoys spending time with his family, reading, cooking, and traveling internationally.

 

Registered Administrative Assistant of Cetera Advisor Networks LLC (“Cetera”), member FINRA/SIPC. Cetera is under separate ownership from any other named entity.

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Maureen G. Groh, FPQP

Senior Relationship Manager

maureen.groh@unitedcp.com

Maureen has near 20 years of experience in the financial services industry and is a key player on the United Capital of New York & New Jersey team. Maureen demonstrates competence in gathering and coordinating client’s financial information to help her adviser give clients a comprehensive picture of their financial well-being. Maureen’s proactive approach, excellent communication skills, and sound judgement may help provide clients the feeling that United Capital is their extended financial planning family.  

Maureen her husband, Ted, children, Patrick and Carliann, reside in Northern New Jersey. In her spare time she enjoys touring old castles, vacations, mixology and exploring new cool happenings….and of course, gardening and reading.  

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Colleen Martinez

Client Services Manager

colleen.martinez@unitedcp.com

As an important member of the United Capital of New York & New Jersey Team Colleen Martinez 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 confidence 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 Advisers. 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 coaching recreational sports. She has been a resident of the Palisades Park, New Jersey, for over 35 years. She is the proud mother of three children Tiffany, Jenna, and Madison.

Start the conversation

115 W. Century Rd., Suite 160
Paramus, NJ 7652
201-301-8080

Securities offered through Cetera Advisor Networks LLC (“Cetera”), 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. Check the background of this investment professional on FINRA's BrokerCheck.

This site is published for residents of the United States only. Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on this site or visit the Cetera Advisor Networks LLC site. You can also view Cetera’s Privacy Policy &Important Disclosures.

*Award not indicative of investment performance.