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Richard N

Fresno, CA

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Richard Nilmeier Sr. is a financial advisor with United Planners Financial Services of America, holding over 52 years of industry experience. He has worked with United Planners since 2010 and has prior experience at Rice Brown Financial Services and his own Nilmeier Financial & Insurance Services and Nilmeier Insurance Services, Inc. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based financial solutions.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Aaron V

Series 63, Series 66

Scottsdale, AZ

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Aaron Vettraino is a financial advisor at United Planners Financial Services of America with 13 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at M. S. Howells & Co and The Vanguard Group, Inc. Outside of finance, he has been involved with AquaSafe Swim School for over a decade. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base through independent Investment Adviser Representatives. The firm manages approximately $12.77 billion in assets, primarily on a non-discretionary basis, and supports advisors through a limited-partnership ownership structure and formalized transition assistance.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Mitchell L

CFP®, Series 66

Chapel Hill, NC

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Mitchell Ludwig is a CFP® professional with seven years of industry experience, currently associated with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA. His prior work includes roles at OSAIC, FSC, Wealthcare Capital Management LLC, and The Family Firm. He is also involved as an Associate Partner in Carolina Wealth Partners, a marketing entity based in Raleigh, NC. United Planners Financial Services is a national wealth-management enterprise serving a broad client base, including individuals, retirement plans, corporations, and institutional clients. The firm offers advisory and brokerage services through independent Investment Adviser Representatives and employs a mix of custodians and third-party managers to implement client strategies.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Thomas S

Series 63, Series 65

Voorhees, NJ

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Thomas Schulgen is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 designations and six years of industry experience. He has been associated with United Planners since 2026 and has longstanding ties to Haddon Agency LLC since 2009, where he also serves in an insurance producer capacity. Schulgen is a partner in Haddon Advisory Group, a non-investment-related partnership. United Planners Financial Services is a national wealth-management enterprise with approximately $12.77 billion in assets under management and serves a diverse client base including individuals, retirement plans, corporations, trusts, and institutional clients. The firm operates through independent Investment Adviser Representatives and employs a range of custodians and third-party managers, with a significant portion of assets managed on a non-discretionary basis.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Alexander B

Series 66

Hartland, WI

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Alexander Barta is a Series 66-licensed financial advisor with five years of industry experience. He is affiliated with United Planners Financial Services of America as a Limited Partner and has prior experience at Sitzberger & Co, SC. Outside of advisory work, he serves as a member of the Board of Trustees for the Montessori School of Waukesha, Inc. United Planners Financial Services is a national wealth-management firm that serves a diverse client base including individuals, retirement plans, corporations, and institutional clients. The firm delivers advisory and brokerage services through independent representatives and utilizes a mix of custodians and third-party managers, with a notable portion of its assets managed on a non-discretionary basis.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Andrea N

Series 66

Scottsdale, AZ

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Andrea Nelson is a financial advisor with United Planners' Financial Services of America, holding a Series 66 credential and 18 years of industry experience. Her prior roles include positions at Eide Bailly Securities and Investor Securities Group. Outside of finance, she has been a Jazzercise franchisee and fitness instructor since 2003. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional investors. The firm operates an open-architecture platform with multiple custodians and offers both fee-based and commission-based financial solutions through its network of independent advisors.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Chris C

Series 63, Series 65

Bandera, TX

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Chris Christensen is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has held various roles within the financial services and related sectors, including ownership and leadership positions in Christensen Financial Services Inc. and involvement in livestock and commercial roofing businesses. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base through independent Investment Adviser Representatives. The firm manages approximately $12.77 billion in assets, primarily on a non-discretionary basis, and offers advisory and brokerage services to individuals, retirement plans, corporations, and institutional clients.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Jordan R

Series 66

Sidney, OH

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Jordan Rethman is a financial advisor with United Planners' Financial Services of America and holds the Series 66 designation. He has four years of industry experience and also works as an accountant specializing in tax preparation and bookkeeping. United Planners Financial Services is a national wealth-management enterprise serving a broad range of clients, including individual investors, retirement plans, corporations, trusts, and institutional clients. The firm offers advisory and brokerage services through independent representatives and employs a mix of custodians and third-party managers, with a notable emphasis on non-discretionary account management.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Cora I

CFP®, CFA®, Series 63, Series 65

Columbia, MD

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Cora Ingrim is a financial advisor with United Planners' Financial Services of America, holding CFP® and CFA® designations and bringing 32 years of industry experience. She has been affiliated with United Planners and Keating Financial Services since 1999 and 2000 respectively, and is also an independent insurance agent since 1993. In addition to her advisory work, she is a co-owner of a beach rental property in Corolla, NC. United Planners serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates as both a registered investment adviser and broker-dealer, offering an open-architecture platform with multiple custodians and third-party money managers, and features a limited partnership ownership structure where financial professionals hold a majority interest.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Daniel P

Series 63, Series 66

Scottsdale, AZ

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Daniel Parks is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 licenses and 28 years of industry experience. His career includes roles at Parks Wealth Management Inc., Independent Financial Group, LLC, and Entrust Financial Partners, LLC. He is also a referral partner for EstateDocs Pro, an estate planning service. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based options through its network of 477 independent advisors.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Gregory D

ChFC®, Series 63

Bulverde, TX

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Gregory Davis is a financial advisor at UNITED PLANNERS' FINANCIAL SERVICES of AMERICA with 42 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior work experience includes roles at Grove Point Investments, Grove Point Advisors, and H.Beck, Inc. Davis is a licensed insurance agent and a partner in DSSTT, LLC, a non-investment related business. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base, including individuals, retirement plans, corporations, and institutional clients. The firm offers advisory and brokerage services through independent representatives and utilizes a variety of custodians and third-party managers to implement client strategies.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Robert M

Series 63, Series 65

Sugar Land, TX

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Robert McDonough is a financial advisor with United Planners' Financial Services of America and holds Series 63 and Series 65 licenses. He has 42 years of industry experience and has been associated with firms including Core USA Group since 2013, United Planners' Financial Services since 2011, Insurance Designers of Central TX since 2005, and operates McDonough Financial since 2003. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering a range of advisory models and both fee-based and commission-based options.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Charles L

CFP®, Series 63

Scottsdale, AZ

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Charles Lefkowitz is a CFP® with 55 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. His career includes roles in independent insurance and estate planning document preparation, as well as entrepreneurial activity as a greeting cards distributor. He is based in Chandler, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, emphasizing largely non-discretionary asset management.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Steven C

Series 63, Series 65

Scottsdale, AZ

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Steven Cook is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 credentials and possessing 45 years of industry experience. His career includes long tenures at Cue Financial Group, Securities America, PFG Advisors, and other firms. He is also a managing partner of Sparrow Financial, a marketing entity based in Glendale, AZ. United Planners Financial Services is a national wealth-management enterprise serving a broad client base that includes individual investors, retirement plans, corporations, trusts, and institutional clients. The firm employs independent investment adviser representatives and uses a combination of custodians and third-party money managers to implement client strategies, with a large portion of its assets under management held on a non-discretionary basis.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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William R

Series 66

Danvers, MA

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

William Riquier is a financial advisor with United Planners' Financial Services of America and The Retirement Financial Center, holding a Series 66 designation and 14 years of industry experience. He has been affiliated with United Planners and The Retirement Financial Center since 2011 and operates a non-variable insurance business under his own name. United Planners serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party money managers.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Thomas M

Series 66

Syracuse, NY

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Thomas Militello is a financial advisor with United Planners' Financial Services of America, holding a Series 66 designation and 17 years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities LLC before joining United Planners in 2021. Militello also owns Adirondack Investment Strategies, a marketing DBA, and serves as an insurance agent for non-variable insurance. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base, including individual investors, retirement plans, corporations, and institutional clients. The firm delivers advisory services through independent Investment Adviser Representatives, employing a mix of custodians and third-party money managers, with a notable focus on non-discretionary account management.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Michelle L

Series 63, Series 65

Tulare, CA

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Michelle Lippincott is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has worked at firms including Ministry Partners Securities, LLC and Planmember Securities Corporation. Lippincott is also co-owner of Lippincott Financial & Insurance Services and has been an insurance agent specializing in non-variable insurance since 2007. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform using multiple custodians and third-party money managers, offering both fee-based and commission-based options through its network of independent advisors.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Anthony S

CFP®, Series 63

Bohemia, NY

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Anthony Sce III is a CFP® with over 42 years of experience in the financial services industry. He is affiliated with United Planners' Financial Services of America as a Limited Partner and has held leadership roles in several related businesses, including Executive Insurance & Financial Services Inc. and EIFS of Florida, Inc. Outside of his advisory work, he serves as the security chair for The Moorings Board Homeowners Association in East Islip, NY. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, and institutional clients through a network of independent advisers. The firm offers both advisory and brokerage services and utilizes a combination of custodians, third-party money managers, and platform programs to implement investment strategies, with a significant portion of assets managed on a non-discretionary basis.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Kristin M

Series 63, Series 65

Tonawanda, NY

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Kristin Meyer is a financial advisor with United Planners Financial Services of America and holds Series 63 and Series 65 licenses. She has 18 years of experience in the industry, including prior roles at ATT Financial Group/American Portfolios Financial Services and Nucci Financial. Outside of her advisory work, Meyer is a group fitness instructor and serves on community and civic boards in Niagara County. United Planners Financial Services serves a diverse range of clients, including individuals, corporations, charitable organizations, and institutional investors. The firm operates an open-architecture platform using multiple custodians and third-party money managers, with a focus on largely non-discretionary asset management.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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Christopher K

Series 63, Series 66

Jacksonville, FL

UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Christopher Kelly is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His background includes roles at Bank of America and Merrill Lynch from 2014 to 2022. In addition to his advisory work, he operates as an independent insurance agent and leads Coast to Coast Wealth Advisors, a marketing DBA. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base through independent representatives. The firm offers both advisory and brokerage services, emphasizing mostly non-discretionary account management and operates as a limited partnership that supports advisor transitions.

Retirement income strategy Social Security optimization Cash flow / budgeting Wealth management Founder/Business Owner Retired Executive Established Professionals
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