Equal Opportunity Trust
They ask how many children you have.
We operate on a fee-only basis, charging solely for our time and expertise. This model eliminates any commission-based conflicts, aligning our success directly with your financial progress.
They determine your net worth based on the assets you’ve acquired, such as your bank accounts, retirement accounts, and property.
As fiduciaries, we are legally obligated to prioritize your financial well-being above all else. This means every recommendation we make is based on what’s best for you, not for us. Our fiduciary duty ensures you receive advice that is unbiased.
Finally, they divide up the assets.
Every advisor at United Financial Planning Group proudly holds the prestigious CERTIFIED FINANCIAL PLANNER™, ensuring that every recommendation is made solely in your best interest. We are committed to transparency and integrity — never selling products or earning commissions, but focusing entirely on delivering unbiased financial guidance tailored to your goals.
The Money Dump Approach
If you simply dump your cash on your heirs without a system of responsibility and accountability, how long do you think your legacy of “money” will last?
History has proven that money dumped on unprepared heirs can cause financial ruin, extraordinary consumption, unhappiness, and even lawsuits between family members. It can easily take a family from a “we” attitude to a “me” attitude.
William K. Vanderbilt, a grandson of Cornelius Vanderbilt (the Bill Gates of his time) said this: “It has left me with nothing to hope for, nothing definite to seek or strive for, inherited wealth has been a real handicap to my happiness.”
How Can Our Team Help You to Reach Your Goals
Learning About You
Schedule a 30-minute call with our professional to discuss your goals and how we can help. This phone or Zoom call also outlines who we are and our process.
Organized Meeting
Meet with our team to gather the necessary data for your Financial Plan. We’ll discuss your finances, lifestyle, and goals, including investments, assets, expenses, and income.
Plan Meeting
Our advisor will present your personalized financial plan, ensuring it aligns with your evolving needs and goals, and provide clear steps to help you reach your financial objectives.
Implementation
Your advisor will send a copy of your plan with an actionable list of recommendations. We’ll implement and manage these, keeping you updated.
See What Our Clients Are Saying
Next Generation Trust
We recommend an Equal Opportunity Trust because of its ability to foster a “we” mentality rather than a “me” mentality.* Unlike traditional approaches, this type of trust helps set the foundation for generational wealth—ensuring your assets create opportunities and resources for your family while instilling responsibility and accountability.
One way to do this is through a Legacy IUL Fund—a dedicated family repository for both financial assets and KASH (Knowledge, Attitudes, Skills, and Habits) you wish to pass down intentionally to children and grandchildren. Your Legacy IUL Fund could be as simple as including assets from all three Dimensions of Authentic Wealth, or it could take a more structured form through tools such as the KASH Blueprint and Equal Opportunity Trust, which together establish family rules of governance within the trust.
For example, rather than distributing all assets to heirs who may not be prepared, your trust could include governance rules allowing future generations to take loans from the Legacy IUL Fund for education or advanced studies. These loans could be repaid at a small interest rate, allowing the money to be replenished and continually reinvested into the opportunities, education, and growth of generations to come.
Your Goals, Our Commitment
We’ve helped countless successful individuals grow and protect their wealth with strategies designed for safety and predictability. With historical annual average returns of 5–10%—tax-free, our clients enjoy the confidence of knowing their money is working for them.
What does this mean in real life?
For every $1 million accumulated, you could generate $70,000–$100,000 in annual, tax-free retirement income—without ever touching your principal. That’s what true financial freedom looks like.
