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Planning Services

Using the latest technologies and methodologies, PSA and United Capital are teaming up to deliver the best wealth management services and experience possible. The partnership brings a number of benefits to our clients, including access to the most innovative practices in investment advisory.

Financial Planning 

Our planning process is a tool to guide our clients in reaching their financial goals.  Services can be tailored to fit the needs of each client, including complete financial plans and individual modules designed to plan for specific goals.  The initial strategy can be modified for clients as needs and situations change.  Clients benefit from the process of developing the plan and the impact of the plan as it is implemented.

Trust and Estate Planning 

We offer direct access to selected estate planning professionals and provide the investment, insurance, funding strategy, and strategic implementation of the plan as well as guidance in the areas of Charitable Giving, Wealth transfer, Business succession, and the use of insurance as a funding vehicle for trusts.

Retirement Planning 

The PSA professionals guide our clients in developing a retirement planning strategy to help them achieve their goals during the accumulation phase of their working years and then provide an effective income (decumulation) strategy during their retirement years.    

Business Succession 

We help our clients coordinate legal and tax advisors to establish a strategy for the ownership transition of their company, and guide clients in managing their wealth created by the sale of their business.  PSA’s advisors can also help you to coordinate estate planning opportunities and explore charitable intentions.

Wealth Transfer 

We work with businesses, business owners, and estates to evaluate alternative solutions and strategies to direct wealth as efficiently as possible, including coordination with our client’s advisors to achieve an integrated solutions to meet the desired outcomes.  Our work includes coordination with our client’s advisors to achieve an integrated solution to meet their desired outcomes.  Depending upon access, taxation, incidences of control, and the desired impact, it may be preferred to accumulate wealth in a specific environment or move the accumulated wealth to an alternative environment.  Transferred wealth includes securities, business ownership, retirement accounts, insurance, and real estate.

Charitable Giving 

Charitable giving strategies allow clients to provide a gift to a charity of their choice while maximizing the gift and tax benefit, and minimizing the impact to their assets.  With proper planning, a client’s income, capital gains, and estate taxes can be reduced through gifting strategies.

In addition to working with high net-worth clients, we work in a consultative role with non-profit organizations to evaluate fact patterns, propose alternative strategies, and provide guidance in gifting strategies.

Education Funding 

We offer guidance in funding for education through 529 plans, College Savings Plans, and various trust and gifting strategies.  Depending on the selected strategy, guidance regarding the specific investments as a funding vehicle may be offered.

Investment Review 

Prospective clients are offered a free, no obligation Portfolio Review of their current investments based on the research of independent experts.  Our Financial Advisors will share the analysis and help you identify the strengths and weaknesses of your portfolio.  The report will enable you to determine whether your assets are properly diversified and allocated across multiple asset classes to maximize the return and reduce the risk of your portfolio.

Lifetime Income 

Lifetime income strategies are designed to assist you in determining how much predictable income can be generated during the retirement years of your life.

Guidance on various lifetime income opportunities including Social Security claiming strategies, company Pension Plans, and the use of Annuities with guaranteed income benefits is provided by Advisors who are well-versed in these areas.

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