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United Capital Financial Advisors

Updated today

Total assets under management

$24,646,765,344

Total clients

24,837

8% high-net worth

Total advisors

165

of 289 employees

Firm size

Enterprise

51-2,000 advisors or $10B+ in AUM

Average clients per advisor

151

Average account size

$992,341

About

United Capital provides national financial planning and discretionary investment management to a broad mix of clients, including individual and high-net-worth households, retirement plans, and corporate or institutional accounts. The firm also offers sub-advisory and consulting services and operates a technology and practice platform, FinLife Partners, which onboards and supports other independent investment advisors.

Investment teams work from client-specific financial plans to set asset allocation and select between United Capital-managed strategies, third‑party managers, or separately managed accounts, and they typically manage accounts on a discretionary basis with custody options that commonly include Fidelity and Schwab. United Capital’s platform supports customization — including ESG and faith‑based portfoliooptions — access to vetted alternative investments (via providers such as iCapital), and limited Variable Subaccount allocation services for certain clients.

Compared with many large enterprise advisers, United Capital is notable for the breadth of its affiliate network and non‑standard businesses: it is affiliated with a law firm (Creative Planning Legal, P.A.) and a retail trust company (Creative Planning Trust Company), operates lending and referral relationships for bank and securities‑based loans, and maintains a suite of related entities (including SageView and Baseline) that provide cross‑referrals. The firm also provides technology, marketing, and sub‑advisory services to other advisers through FinLife Partners and retains certain legacy arrangements (e.g., wrap program accounts and third‑party class‑action claim services) that can affect how specific client relationships are handled.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Newsletters or periodicals Educational seminars or workshops
Sub-adviser for other investment advisers

Expertise

ESG / Sustainable investing Annuities

Occupation focus

Founder/Business Owner Retired

Demographic focus

Values-based investing Religious/faith focused

Fee options

Fixed

Financial Planning fees can be negotiated as flat fees, ranging typically from $2,500 to $55,000 per year.

Percentage

$0 - $500,000: 1.50% $500,000 - $2,000,000: 1.25% $2,000,000 - $5,000,000: 1.15% $5,000,000 - $10,000,000: 1.00% $10,000,000+: 0.85%

Commissions

Commissions received on insurance products and variable annuities sold through affiliated broker-dealer and insurance agencies; commissions vary by product and arrangement.

Project-based

Hourly fees historically ranged from $200 to $500 per hour for Financial Planning services (prior to March 31, 2020).

Other

Account minimum: $500,000 Fee-only: Financial Planning fees typically between $2,500 and $55,000 per year, paid quarterly in advance; fees negotiated and can be higher or lower; prior to March 31, 2020, some clients paid hourly fees between $200 and $500 per hour.

Main office location

United Capital Financial Advisors

125 E John Carpenter Frwy, Suite 1300

Irving TX 75062, United States

Number of offices

47

Most active in

Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virgin Islands · Virginia · Washington · West Virginia · Wisconsin · Wyoming

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Samuel S

CFP®, Series 65

Scottsdale, AZ

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Stacey Z

Series 63, Series 65

Honolulu, HI

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Julie H

Series 66

Seattle, WA

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Trudy T

CFP®, PFS™

Irving, TX

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Joshua M

Series 65

Seattle, WA

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Michael J

CFP®, Series 63, Series 66

Boca Raton, FL

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Melissa E

Series 63, Series 66

Brentwood, TN

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Seungho H

Series 65

Baltimore, MD

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
user avatar

Adam N

CFP®, CFA®, Series 66

Seattle, WA

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
user avatar

Anthony A

Series 66

Newport Beach, CA

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Frank M

Series 65

Turnersville, NJ

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Chris B

Series 65

Austin, TX

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Michael R

CFP®, Series 66

Tulsa, OK

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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Geoffrey P

Series 63, Series 65

Essex, CT

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
user avatar

Christopher V

Series 66

Fort Collins, CO

United Capital Financial Advisors

ESG / Sustainable investing Annuities Founder/Business Owner Retired Values-based investing Religious/faith focused
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