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Investor information

FROM THE PRESIDENT & CEO OF UNITED PLANNERS:

Welcome to the United Planners’ website. This section of our website is dedicated to providing potential clients and the clients of our Financial Service Representatives, information and important disclosures about their choice of Broker-Dealer firms.

Founded in 1987 and located in Scottsdale, Arizona, United Planners provides full brokerage, investment advisory, and insurance services to over 375 prestigious investment and financial planning professionals throughout the United States. We here at United Planners have over 150 years of collective experience among our senior management team. We are a member of the Financial Industry Regulatory Authority (FINRA), as well as with the Securities and Exchange Commission (SEC) and Securities Investment Protection Corporation (SIPC).

Our business philosophy is to provide the highest level of personalized investment advisory and securities brokerage services to a select group of consummate financial professionals. Our “client oriented” service and support coupled with our advanced technology offerings sets United Planners apart from other Broker-Dealer firms. Our vision and resolve is to be:

A Partnership of quality investment professionals mutally committeed to exceeding client expectations. United Planners is focused on providing a robust offering of low cost solutions, platforms and offerings to advisors to make informed decisions and appropriate recommendations that can best serve their client’s investment planning needs

As an Investment Advisory and Independent Broker-Dealer firm, we provide our Financial Service Representatives access to a wide array of non-proprietary investment products and support services which assist him or her in their practice. Because of this relationship we have with your Representative, you will complete a United Planners’ Client Agreement when establishing an investment account.

As a Broker-Dealer registered with FINRA and the SEC, we are subject to certain laws and regulations regarding you and your investment experience. Such information is confidential (please see our Privacy Policy which is available here in this section of our website or by request).

Although your relationship is mainly with your individual Financial Service Representative, there are a few times you will receive correspondence directly from United Planners. Your Client Agreement is established through us, and we will send you a letter to advise you of your account registration and financial profile. Each year end we will also send you a mailing which will allow you to update your personal or financial information. Changes or updates to these mailings can be made directly with your Financial Service Representative.

I want to personally thank you for taking the time to learn more about United Planners

Sincerely,

Michael A. Baker, CPA
President & CEO

Order Routing Disclosure

United Planners routes 100% of our retail non-directed orders (defined as “held” orders) in National Market Systems (NMS) equities and options to our clearing broker, Pershing LLC, for further handling, routing and execution. We do not receive payment for order flow from Pershing or any market center.  For complete Order Routing information, please refer to www.orderroutingdisclosure.com and enter UNITED PLANNERS FNC’L SVCS AMER in the Broker-Dealer’s Full Name box.  The data can be downloaded to either PDF or XML format by clicking on Export Report.

Investment Objective Definitions

United Planners and your financial advisor also depend upon the accuracy of your stated Investment Objective. To clarify the various objectives that investors such as you may select for their investment accounts, please read the following:

Capital Preservation: I am seeking preservation of capital as my primary objective. Market risk (fluctuation of principal) should be minimized, regardless of the effects of inflation.

Income: I am seeking current income as my primary objective. Market risk, while reflecting the desired income stream and your risk tolerance, should be modest.

Growth and Income: I am seeking current income with the opportunity to also experience longterm capital appreciation as my primary objective. I can accept additional fluctuations in my initial investment amount to seek potential appreciation while generating some current income.

Growth: I am seeking long-term capital appreciation of my initial principal investment as my primary objective. I have a long-term time frame and do not need my investments to provide an income stream. Investments that have the potential for growth generally have increased risk and I understand that my investment value will fluctuate and may be worth less than my original investment.

Speculation: I am seeking a high return of my initial investment as my primary objective. I understand that a speculative investment objective means that my investments will be in higher risk, more volatile securities and require an aggressive risk tolerance.

Certain risks including loss of principal exist with any type of investment & should be considered carefully before making any investment decisions.

Important documents & disclosures

Business Continuity Plan

This Business Continuity Plan document is to provide you with information on how we will respond to events that significantly disrupt our business. It provides contact information for our Home Office, and how to obtain up to date information in the event of a significant business disruption such as fire, earthquake, flood or other natural or unnatural event that may cause a closure at our primary place of business. It is always the intent of the firm to recover quickly from any event that may cause our business continuity plan to be called into effect.

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Data Privacy & Protection

United Planners data privacy and protection brochure is intended to educate consumers on the extra steps the firm takes to protect client’s confidential information. It goes beyond the scope of the privacy policy and discusses topics such as device requirements, secure networks, cybersecurity risk assessments, third party vendor due diligence, awareness training and testing, incident response planning and cybersecurity insurance.

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Form ADV Part 2A Disclosure Brochure

Uniteasd Planners Financial Services publishes the Form ADV-Part 2A Disclosure Brochure to provide investors information about the fee based and managed account options available to you with the firm. Any conflict of interest which require disclosure are contained within this document, as required by regulation. Investors will be offered this document annually, and will be notified should there be any material changes. Investors will obtain a copy of each advisors ADV-Part 2B from their respective advisor, as that document will be specific and applicable to that advisor.

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Privacy Policy

United Planners is committed to protecting and safeguarding the confidentiality of clients’ information by maintaining physical, electronic and procedural safeguards that comply with federal standards. United Planners does not disclose non-public personal information about you to anyone, except as permitted by law. When you are a client of the firm, you will be offered this privacy policy at least annually.

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Third-Party Payments and Revenue Sharing Arrangements

United Planners has Strategic Partnerships with various Service Providers who are core to the products & services that our Financial Professionals (Brokers & Advisors) use to service their clients. Service Providers include but are not limited to mutual fund companies, insurance companies, direct participation companies (real estate investment trusts, oil & gas programs, business development companies, etc.), money managers, custodians and financial technology companies. Strategic Partners are Service Providers that pay compensation to United Planners through Third-Party Payments and Revenue-Sharing Arrangements. This compensation is used to support United Planners’ corporate events for marketing, business development and training & education. This type of marketing, business development, training & education is designed to keep our Financial Professionals well-informed in order to provide quality service to their clients.

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Variable Annuity Brochure

Variable Annuities are considered complex products, as there are a variety of different features each may offer that can make them unique. This brochure is intended to inform you of some of the key terms, costs and questions you should consider prior to making any decision to invest.

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Variable Life Brochure

Variable Life products are considered complex products, as there are a variety of different features each may offer that can make them unique. This brochure is intended to inform you of some of the key terms, costs and questions you should consider prior to making any decision to invest.

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Reg BI/Form CRS Documents and Disclosures

529 College Savings Plan: Summary of Fees and Costs

This document summarizes the various fees and costs associated with 529 College Savings Plans.

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Alternative Investments: Summary of Fees and Costs

This document summarizes the various fees and costs associated with various types of Alternative Investments.

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Form ADV Part 2A Disclosure Brochure

United Planners Financial Services publishes the Form ADV-Part 2A Disclosure Brochure to provide investors information about the fee based and managed account options available to you with the firm. Any conflict of interest which require disclosure are contained within this document, as required by regulation. Investors will be offered this document annually, and will be notified should there be any material changes. Investors will obtain a copy of each advisors ADV-Part 2B from their respective advisor, as that document will be specific and applicable to that advisor.

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Mutual Fund Expense Analyzer

The “Fund Analyzer” is a FINRA tool to help you analyze and compare the cost of owning mutual funds, exchange-traded funds, exchange traded notes, and money market funds. The Fund Analyzer automatically applies a fund’s applicable fees and commonly available discounts. The Fund Analyzer also does the math for you to show how fees and expenses impact the value of a fund(s) over time.

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Mutual Funds: Summary of Fees and Costs

This document summarizes the various fees and costs associated with Mutual Funds.

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Relationship Summaries

United Planners has two types of Relationship Summaries to cover different client engagements. These Relationship Summaries provide you a brief explanation to help you understand the different types of engagement you may have with our Financial Professionals (FP), along with an Introduction, a description of the our Services, an overview of Fees, Costs, Conflicts and Standards of Conduct, disclosure of any Disciplinary History and an Additional Information.
All of our FPs are Registered Representatives (RR) of our Broker-Dealer (BD) to provide commission-based brokerage services.  If our FP provides fee-based advisory services, our FP will be an Investment Advisor Representative (IAR) with our Corporate Investment Advisor (IA) or an IAR with an Independent IA that is not affiliated with United Planners.
If your FP is an IAR with our Corporate IA, please reference this Relationship Summary:

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If your FP is an IAR with an Independent IA, please reference this Relationship Summary:

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For the Expanded Version of this Relationship Summary:

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Third-Party Payments and Revenue-Sharing Arrangements

United Planners has Strategic Partnerships with various Service Providers who are core to the products & services that our Financial Professionals (Brokers & Advisors) use to service their clients. Service Providers include but are not limited to mutual fund companies, insurance companies, direct participation companies (real estate investment trusts, oil & gas programs, business development companies, etc.), money managers, custodians and financial technology companies. Strategic Partners are Service Providers that pay compensation to United Planners through Third-Party Payments and Revenue-Sharing Arrangements. This compensation is used to support United Planners’ corporate events for marketing, business development and training & education. This type of marketing, business development, training & education is designed to keep our Financial Professionals well-informed in order to provide quality service to their clients.

Download File

Variable Annuity Brochure

Variable Annuities are considered complex products, as there are a variety of different features each may offer that can make them unique. This brochure is intended to inform you of some of the key terms, costs and questions you should consider prior to making any decision to invest.

Download File

Variable Life Brochure

Variable Life products are considered complex products, as there are a variety of different features each may offer that can make them unique. This brochure is intended to inform you of some of the key terms, costs and questions you should consider prior to making any decision to invest.

Download File

Variable Annuities: Summary of Fees and Costs

This document summarizes the various fees and costs associated with Variable Annuities.

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Variable Life Insurance: Summary of Fees and Costs

This document summarizes the various fees and costs associated with Variable Life Insurance.

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