Unified Retirement Planning Group, operating as Usonia Advisory Group, LLC, offers personalized retirement planning and investment management services primarily for individuals and high-net-worth clients. Founded in 2016 and based in Briarcliff Manor, New York, the firm creates customized financial plans using RightCapital software and provides ongoing portfolio management with the authority to make trades without asking first. Unified Retirement Planning Group employs various analytical methods—including fundamental, technical, cyclical, and economic reviews—alongside long-term purchasing and strategic asset allocation strategies. The firm operates as part of a wrap fee program where clients pay a single all-inclusive fee covering investment advisory services, brokerage execution, and custody. In addition to investment management, the firm offers standalone financial planning services on an hourly or fixed-fee basis. The principal owner, Peter Gallagher, is also licensed as an independent insurance agent, presenting a potential conflict of interest regarding commission-based insurance recommendations.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 2.00% |
Fees are up to 2% annually and are negotiable based on asset size, related accounts, and complexity of client needs.