United Professional Advisors

Name

United Professional Advisors

Legal name

United Professional Advisors, LLC

Website

https://unitedprofessionaladvisors.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Broker-Dealer Affiliated Wealth Advisory (FSAEABAB)

akta.pro secondary industries

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Financial advisory services
• Wealth management planning
• Retirement income planning
• Investment portfolio management
• Estate and risk planning

Headquarters

HQ city

Watertown

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory Fees: Fee-based financial advisory services including comprehensive financial planning, wealth management, and investment strategy services for individuals, families, and business owners.
2. Insurance Products: Commission revenue from insurance products including life insurance, long-term care insurance, annuities, and disability income insurance.
3. Investment Management: Portfolio management and investment advisory services, including alternative investments and structured solutions.
4. Employee Benefits Services: Benefits strategy evaluation, design, and implementation services for employers through United Professional Benefits division.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

United Professional Advisors is a private financial advisory firm that delivers personalized wealth management, retirement income planning, investment strategy, estate planning, and risk management services to individuals, families, and business owners. It also provides employee benefits strategy and design to employers through its affiliated United Professional Benefits division. Revenue is generated primarily through fee-based advisory engagements and insurance product commissions distributed through Ameritas Investment Company and Ameritas Advisory Services.

Product overview

United Professional Advisors is a financial advisory firm offering a unified wealth management platform with integrated services for individuals, families, and business owners. The core product portfolio includes Planning for Life Transitions, Investment Strategy & Portfolio Management, Retirement Income & Distribution Planning, Alternative Investment & Structured Solutions, and Recruit, Retain & Reward Employees (benefits). The firm also offers Risk Management services with insurance products including Life Insurance, Income Replacement Insurance, Long-Term Care Insurance, and Annuities. Supporting resources include a Resource Center with educational content on Retirement, Investment, Estate, Insurance, Tax, Money, and Lifestyle topics, plus Financial Tools (glossary, tax resources, calculators). The firm operates as part of United Wealth Advisors Group (UWAG), a network of affiliated advisory firms established over a decade ago.

Differentiator

Problem solved

Functional benefit

Products and services

• Planning for Life Transitions Comprehensive financial planning service that helps clients navigate career changes, business sales, retirement, and major personal milestones with personalized strategies and risk-aware portfolios. Designed for individuals and families at significant life inflection points.
• Investment Strategy & Portfolio Management Goal-based portfolio design and ongoing monitoring using a disciplined, long-term investment approach aligned to client objectives, time horizon, and risk tolerance. Includes ongoing monitoring and rebalancing and risk-aware investment decision-making.
• Retirement Income & Distribution Planning Retirement income strategy design including withdrawal sequencing and cash-flow planning to support lifestyle, manage taxes, and navigate market uncertainty throughout retirement, with ongoing review as life changes.
• Alternative Investment & Structured Solutions Evaluation of alternative investment and structured solution options for diversification, risk management, and unique planning objectives, conducted within the context of the client's overall financial plan, time horizon, and comfort with complexity.
• Recruit, Retain & Reward Employees (Employee Benefits Strategy) Employee benefits strategy evaluation and design for employers, including benefits strategy, employee education, communication support, and ongoing plan review and optimization. Targeted at organizations seeking competitive benefits to support recruitment, retention, and workforce alignment.
• Wealth Management Comprehensive wealth management approach integrating investments, financial planning, and long-term strategy into a coordinated framework with ongoing guidance and review. Designed for individuals, families, and business owners across life stages.
• Risk Management Evaluation of potential risks to income, assets, and long-term goals, with incorporated solutions (insurance, annuities, long-term care, disability coverage) designed to create stability while supporting the broader financial plan.
• Life Insurance Products Life insurance solutions including Term Life, Whole Life, Universal Life, and Indexed Universal Life insurance, positioned as a foundation of comprehensive financial planning for individuals and families.
• Income Replacement Insurance Disability income insurance and business overhead expense insurance designed to protect personal income and business expenses during a qualifying disability event.
• Long-Term Care Insurance Long-term care coverage including reimbursement policies, cash benefit policies, and riders that can be attached to life insurance policies, supporting extended care needs in later life.
• Annuities Annuity products including Indexed Annuities, Fixed Annuities, and Variable Annuities designed to provide stable income and principal protection within retirement and risk management plans.
• Retirement Income Protection Strategies designed to provide reliable cash flow in retirement while managing risks such as market volatility, longevity, and unexpected expenses.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Four partnerships are on record, tiered core.

• United Wealth Advisors Group (UWAG)coreStrategic or Co-development PartnerUnited Professional Advisors is a member firm of United Wealth Advisors Group, a network established over a decade ago combining several founding firms. UWAG provides systems and process consulting, infrastructure support, technology guidance, cybersecurity support, and client-focused succession planning services to member firms.
• Ameritas Investment Company, LLC (AIC)coreChannel Partner/ Reseller/ DistributorSecurities and investment services offered through Ameritas Investment Company, LLC, Member FINRA/SIPC. Provides investment account platforms and custody services for client portfolios.
• Ameritas Advisory Services (AAS)coreChannel Partner/ Reseller/ DistributorInvestment advisory services provider affiliated with the firm. AAS works in conjunction with AIC for comprehensive investment management services.
• United Professional Benefits (UPB)coreStrategic or Co-development PartnerCo-founded by Zachary Allen, UPB is a separate but affiliated company providing employee benefits solutions including health insurance and benefits administration services. UPA and UPB collaborate to serve employer clients.

Scale indicators2 records

Recent moves1 record

Expansion highlights5 records

Broad incumbents

• Creative Planning: Large, multi-state RIA offering integrated wealth management, retirement planning, and estate services to HNW individuals and families. Comparable to UPA through its comprehensive planning-first model, though Creative Planning operates at substantially greater scale (~$300B+ AUM) and serves a broader geographic footprint.
• Mariner Wealth Advisors: National wealth advisory firm providing financial planning, investment management, tax, estate, and retirement plan services. Comparable through its integrated planning model targeting HNW individuals and families, though significantly larger via aggressive M&A consolidation.
• Cetera Financial Group: Broker-dealer affiliated wealth platform supporting independent financial advisors with practice management, technology, and compliance infrastructure. Comparable to UPA's broker-dealer relationship model with Ameritas, though Cetera supports thousands of advisors across a national footprint.
• Edelman Financial Engines: Large national RIA offering wealth management, retirement planning, and employer-sponsored financial wellness programs. Comparable through employer retirement plan services (UPA's employee benefits offering) and integrated planning, though it serves much larger employer relationships.
• Cambridge Investment Research: Independent broker-dealer and RIA supporting independent financial advisors with practice management services, technology platforms, and compliance support. Comparable through the broker-dealer-affiliated advisor model similar to UPA's relationship with Ameritas Investment Company.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting independent financial advisors with wealth management platforms, insurance products, and practice solutions. Comparable through broker-dealer affiliation model and broad product shelf (advisory + insurance), though at vastly greater scale.
• Mercer Advisors: National RIA providing comprehensive wealth management, estate planning, tax, and investment management to HNW families. Comparable through integrated planning model with strong estate planning focus, though Mercer operates at substantially greater scale via aggressive roll-up.

Direct peers

• Carson Wealth: Mid-market wealth management firm offering comprehensive financial planning, investment management, and insurance products to individuals and business owners. Directly comparable to UPA in target market (HNW families, pre-retirees, business owners), service breadth (planning + insurance + benefits), and multi-state advisor network model.
• Northwest Financial Advisors: Independent RIA providing comprehensive wealth management, retirement, and estate planning to individuals, families, and business owners. Comparable through planning-first model and small-firm scale targeting HNW pre-retiree and family segments.

Others

• Focus Financial Partners: Roll-up platform that partners with independent wealth management firms, providing capital, technology, and operational infrastructure while preserving advisor autonomy. Comparable to UWAG's role for UPA, though Focus operates as a publicly-traded consolidator at much greater scale.

Market position

Strengths4 records

Weaknesses2 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Professional Advisors