Interactive Planning Approach
We thoroughly assess your current financial landscape, taking into account both short- and long-term objectives, family dynamics, and evolving priorities. Our dedicated team supports you through every stage of the planning process and significant life milestones.
Fee Only Financial Planning
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.
Fiduciary Financial Planning
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.
Professionals Only, No Salespeople
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.
Inside Our Carmel Valley Campus
Dot to Dot Carmel Valley
Dot to Dot Carmel Valley is a vibrant school of inquiry where curiosity and imagination come alive.
At the center of the campus is our bright piazza a welcoming space that connects classrooms, studios, and gathering areas. Every corner of the school invites exploration and collaboration.
Children move between indoor and outdoor ateliers, creative environments, and a magical playground designed for discovery.
Serving children from 18 months through Pre-K, Carmel Valley also features a full food atelier and our beloved Dot Café, where nourishing meals are prepared with care and shared in community.
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.
Programs at Carmel Valley
Seedlings
18-30 months
For many children, this is their first experience in a social learning environment. In Seedlings, we focus on building a strong sense of safety and belonging while children explore their surroundings, begin communicating with peers, & discover the joy of learning together.
Sprouts
2-3 years
Curiosity begins to expand rapidly at this stage. Children explore materials, language, and relationships while developing independence, early problem-solving, and a deeper awareness of the world around them.
Roots
3-4 years
Children begin to strengthen their voice and their ability to collaborate. Through projects, conversation, and shared exploration, they practice communication, empathy, and cooperative problem-solving.
Stems
4-5 years
In the final stage of the Dot to Dot journey, children deepen their thinking and confidence. They engage in long-term investigations, creative projects, and early literacy and math concepts that prepare them for the transition to kindergarten and beyond.