Unity Financial Planning Group LLC

Unity Financial Planning Group is a small, registered investment adviser that serves individuals, families and high-net-worth clients, and it also provides advisory and fiduciary services to employer-sponsored retirement plans. The firm offers comprehensive financial planning, ongoing discretionary portfolio management using individual stocks, ETFs and mutual funds, and a subscription-style ongoing planning service.

Investment decisions are guided by individualized Investment Policy Statements, fundamental analysis, and a mix of proprietary model-based and customized portfolios with an emphasis on long-term holdings; the firm accepts both discretionary and non-discretionary authority per client agreement. Unity coordinates ancillary services as part of some planning or asset-management options, including tax preparation through an independent accounting firm and basic estate-document preparation via an outside law firm.

A statistically uncommon feature for a firm of this size is that the principals also operate an affiliated insurance agency and receive commissions for insurance products; the brochure discloses this relationship and describes policies intended to mitigate related conflicts of interest. For a two-advisor firm managing roughly $10.6 million for about 41 clients, Unity’s combination of retirement-plan fiduciary offerings, integrated tax and estate coordination, and a subscription planning model differentiates its service mix from many similarly sized peers.