4A: Business Background United Financial Planning Group LLC (“Adviser”) has been in business since 2007 and its principal owner is Gerard Barrasso.
4B: Financial Planning Services Financial planning typically involves a variety of services, principally advisory in nature, to clients regarding the management of their financial resources based upon an analysis of their individual needs. Adviser will first conduct a complimentary initial consultation. At the end of the initial consultation, Adviser will present the client with service options and applicable fees. If the client and Adviser mutually decide to proceed, the client will engage Adviser to provide financial planning services.
Follow up meetings will be conducted as necessary, during which pertinent information about the client’s financial circumstances and objectives will be collected. Adviser may meet with the client’s other professional advisors (financial, legal, real estate, tax, etc.) for a series of information gathering and/or implementation meetings. Once such information has been reviewed and analyzed, a financial plan designed to achieve the client’s stated financial goals and objectives will be presented to the client. The primary objective of this process is to allow Adviser to assist the client in developing a strategy for the successful management of income, assets, and liabilities in meeting the client’s financial goals and objectives.
Financial plans are based on the client’s financial situation at the time the plan is presented and are based on financial information disclosed by the client to Adviser. Clients are advised that certain assumptions may be made with respect to interest and inflation rates and use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance. Adviser cannot offer any guarantees or promises that the client’s financial goals and objectives will be met.
4B: Asset Management Services Adviser provides continuous asset management services in which the investment advice provided is tailored to meet the needs and investment objectives of the client. Adviser manages accounts on both a discretionary and non-discretionary basis as elected by the client.
Pursuant to a grant of discretionary authority and subject to any written guidelines or restrictions the client may set, Adviser performs various functions, such as selection and amount of securities to be bought or sold without further approval from the client.
On a non-discretionary basis, Adviser will seek client approval prior to placing orders for any transaction. In either case, Adviser provides continuous supervision and rebalancing of the assets as changes in market conditions and client circumstances may require. On an

advisory basis, Adviser provides supervision and rebalancing of the assets with the client placing actual trade orders.
Clients may impose restrictions on investing in certain securities or types of securities.
4C: Pension Consulting Services Adviser also provides consultative services to pension and profit sharing plans that primarily consist of the following: ●Assistance with the selection and monitoring of applicable independent third-party services providers.
●Non-discretionary investment education and consulting with respect to available Plan investment options, asset classes, diversification, investment alternatives, and the Plan’s qualified default investment alternative.
●Participant education with respect to general investment concepts and the investment options available within the Plan (but not any specifically-tailored Participant investment recommendations or advice).
4D: Tailored Services Adviser tailors its advisory services to the individual needs of its clients by taking the time to understand clients’ current financial condition, goals, risk tolerance, income, liquidity requirements, investment time horizon, and other information that is relevant to the management of clients’ account(s). This information will then be used to make investment recommendations or decisions that reflect clients’ individual needs and objectives on an initial and ongoing basis.
4E: Wrap Fee Programs Adviser does not participate in or sponsor any wrap fee programs.
4F: ERISA Accounts When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (the “Code”), as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: ●Meet a professional standard of care when making investment recommendations (give prudent advice); ●Never put our financial interests ahead of yours when making recommendations (give loyal advice); ●Avoid misleading statements about conflicts of interest, fees, and investments; ●Follow policies and procedures designed to ensure that we give advice that is in your best interest; ●Charge no more than is reasonable for our services; and ●Give you basic information about conflicts of interest.
4G: Assets Under Management As of December 31, 2022, Adviser had approximately $176,613,530 under management on a discretionary basis and $14,863,174 on a non-discretionary basis.