Our Personal Planning Process

The economic development of an individual is directly related to the quality and efficiency of his long term financial plan. This process at The Hunter Group begins with the establishment of personal and financial objectives. 

United Capital uses Private Wealth Counseling as a comprehensive way to address client’s financial needs. In this increasingly complex world, wealth management has become an effective bridge across previously unrelated disciplines: accounting, tax planning, risk management, cash management and investments. United Capital's professional planners recognize in a way that no other adviser does-that one cannot address a single financial issue in isolation from all others. Our process allows you to gain financial control of your life by using an individually customized program.

Once your Master Plan has established a unique set of recommendations for the achievement of your goals, your adviser will then begin to tactically implement a plan of action. Some of your solutions may require interactions with other professionals. Other solutions may relate to adjustments to risk management and insurance programs or employee benefit selections,  Others may require the implementation of professional investment management services.

Your adviser utilizes world-class, independent,  non-proprietary investment solutions that are suitable for your risk profile and investment objectives.  By matching your desires against your limitations, we can have an Honest Conversation about the steps you need to take to accomplish your goals.

Signature Services

Our partnership with United Capital expands our wealth and investment management resources to deliver a powerful combination of confidential local knowledge and nationwide expertise for your benefit.

Your Master Plan is a written comprehensive financial plan addressing your current financial situation, your desired objectives and specific, personalized strategies available to achieve those objectives.   The Master Plan includes the following schedules: 

  • Schedule of Financial Objectives and Assumptions
  • Investment Summary
    • Asset Allocation Schedule
    • Investment Asset Cost Basis Schedules
    • Consolidated Investment Holdings Statement
    • Allocation Report
    • Risk Analysis
    • Individual Security Analysis
    • Investment Recommendations
    • Internal Rate of Return Report
    • Current Market Review Letters
  • Retirement Planning Schedule
  • Educational Funding Schedules, if applicable
  • Estate Planning Schedule
  • Insurance Needs Analysis (Life/Disability/Auto/Homeowners/Personal Liability)
  • Fringe Benefit Planning and Analysis
  • Financial Statement and Net Worth
  • Income Tax Statement, including comparison to current withholding/estimated tax payments
  • Cash Flow Statement
  • Financial Plan Summary, which lists the actions needed to implement your Financial Plan
  • Home Mortgage/Real Estate Analysis
  • Business Continuity Plan
  • Stock Option Schedule, if applicable

We assist you with every aspect of your financial life.  Here are some additional services where we will interface with other professionals:

  • Coordination and assistance with annual tax preparation
  • Coordination and assistance with estate planning attorney and asset transfers
  • Assistance with mortgage refinancing.

The benefit of our process allows you to gain financial control of your life by using an individually customized program by:

  • Getting to know you and your family and what is important to you
  • Helping you identify and prioritize your long-term goals
  • Creating a vision of your future,  your lifestyle, where you’ll live and how much it will cost
  • Forecasting the growth of your portfolio making realistic assumptions that you agree with, about the risk you are willing to accept and the investment returns you should realistically expect
  • Modeling different scenarios for achieving your goals showing you how different decisions, such as retiring a couple of years later or working part-time, can impact your nest egg
  • Assisting you to make the best decisions that fit your current and long-term expectations
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