Unified Retirement Planning Group | Financial advisors in Briarcliff Manor & Ossining

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    How will I know if I have enough money to retire?

    “I recently retired from the Cleveland Orchestra after 44 years of service. From day one I put aside a little money each week towards retirement. The former financial advisor managing my retirement account was competent but not very communicative, and I felt anxious about whether I could afford the next chapter. A few years ago I switched to Peter Gallagher and URPG. The difference was amazing! URPG has great financial tools and Pete showed me I was able to go forward with retirement with confidence, which I am enjoying immensely! He also emphasized the importance of my wife and I having long-term care insurance in place to protect my family from undue financial burden as we age. I hear from Pete on a regular basis, updating me on my account and recommending adjustments as needed. He is a true professional and is extremely ethical, attentive, organized and compassionate.” - Scott

    This statement was provided on 1/18/23 by Scott, a client of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group.  This statement may not be representative of the experience of others and is not a guarantee of future performance or success.  For additional reviews, search us wherever local businesses are reviewed.

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    I had no idea how much healthcare and housing costs were in retirement. Can I even afford to retire?

    “I am entering my retirement years independently. When I looked to change my financial advisor, I needed more clarity and understanding of my financial needs and goals, and more communication than I was experiencing. Covering healthcare and housing expenses for a few more decades also seemed daunting. I am delighted I met Peter, who addressed my concerns with a comprehensive financial plan that eased my worries about the unknowns. I trust the investments I have will cover my needs and also provide for a few retirement dreams of mine, including travels and leaving a legacy for my daughter."  - Monica

    This statement was provided on 1/22/23 by Monica, a client of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group.  This statement may not be representative of the experience of others and is not a guarantee of future performance or success.  For additional reviews, search us wherever local businesses are reviewed.

     

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    Are my investment management fees more than I need to pay? How can I know that?

    “Peter Gallagher changed my life. I had deferred a lot of our financial planning to my husband and when he passed, Peter understood my needs and goals. I also understand what I am paying for. Peter is very transparent when it comes to fees. I trust him immensely, and enjoy his team and the firm’s high level of service.” - Nina

    This statement was provided on 1/26/23 by Nina, a client of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group.  This statement may not be representative of the experience of others and is not a guarantee of future performance or success.  For additional reviews, search us wherever local businesses are reviewed.

    Financial Advisors Focused on Your Retirement

    We’re an independent advisory firm led by Peter J. Gallagher, a fiduciary.  This means we are obligated by law to act in your best interest in all interactions and to disclose any conflicts of interest.  (Not all advisors are fiduciaries.)  We concentrate entirely on the complex and changing retirement income needs of clients age 50 and older. We stand ready to help you address the emotional decisions you must make to confidently prepare for your financial future.

     

    ​Get to Know Us

    Services Specialized to Your Needs

    Unlike some financial services firms that want to be all things to all investors, we focus on the very specific needs of a select group of clients. That’s why we specialize in retirement income planning, investment management, and legacy planning. We have several advanced planning designations that give us the knowledge to help you make informed decisions in these key areas.

     

    Services for You

    Helping You at Every Stage

    Whether you’re planning ahead, nearing retirement, or already retired, our personal retirement specialist can help you take your best steps toward achieving your goals.

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    Planning Ahead

    You’re balancing multiple competing financial priorities and haven’t completely focused on retirement. A personalized plan lets you know where you stand and what changes may be needed along the way.

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    Nearing Retirement

    We’ll help you explore how to make the best transition from earning a paycheck to enjoying a comfortable retirement.

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    During Retirement

    Your planning isn’t over once you’ve reached retirement. There are still many key decisions to be made. We’ll help you address them all—even the ones you hadn’t anticipated.

     

     

    URPG Client Experience 

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    Peter and his staff mean what they say - they really do care for people and take excellent care of people. Thank you, Peter. You have made a significant difference in my personal financial planning and in my lifestyle! - Pam

    This statement was provided on 11/4/22 by Pam, a client of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group. This statement may not be representative of the experience of others and is not a guarantee of future performance or success. For additional reviews, search us wherever local businesses are reviewed.

    My wife and I are 73-year-old retirees. Peter has been our financial adviser prior to becoming an independent with his own business. We find him to be excellent at what he does. He is honest and intuitive when it comes to knowing the market. We have and would recommend him to family and friends. – Robert and Jeanne

    This statement was provided on 11/14/22 by Robert and Jeanne, clients of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group.  This statement may not be representative of the experience of others and is not a guarantee of future performance or success.  For additional reviews, search us wherever local businesses are reviewed.

    Peter has been such a great help to us in our financial and retirement planning. We respect him as a man of integrity, with extensive financial experience and expertise. He demonstrates constant attention to detail in handling our financial affairs and provides valuable advice and insights, in a kind and patient manner. - Jim and Debbie

    This statement was provided on 12/18/22 by Jim and Debbie, clients of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group.  This statement may not be representative of the experience of others and is not a guarantee of future performance or success.  For additional reviews, search us wherever local businesses are reviewed.

    Peter Gallagher and his URPG team continue to be a terrific partner to the nonprofit associations that my company manages, and their investment portfolios. Peter is able to communicate complex information in a way that anyone can understand, which is especially important in the often-intimidating world of finance. It’s so good to be able to pick up the phone and immediately talk to someone who knows and cares about us and our client associations. Peter makes even small fish feel like big fish! - Madeleine

    This statement was provided on 11/4/22 by Madeleine, a client of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group.  This statement may not be representative of the experience of others and is not a guarantee of future performance or success.  For additional reviews, search us wherever local businesses are reviewed.

    I have known Peter Gallagher for almost 20 years. I am confident that the advice he gives me is exactly what he implements for himself. Peter is also always warm and welcoming. - Etta

    This statement was provided on 12/21/22 by Etta, a client of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group.  This statement may not be representative of the experience of others and is not a guarantee of future performance or success.  For additional reviews, search us wherever local businesses are reviewed.

    Peter is extremely conscientious with his investment decisions for me. He really understands my financial goals and assets, and doesn't make financial decisions for me that he wouldn't make for himself. Peter is not only my financial advisor but also a good friend whom I can rely on and trust. - Natalie

    This statement was provided on 12/21/22 by Natalie, a client of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group.  This statement may not be representative of the experience of others and is not a guarantee of future performance or success.  For additional reviews, search us wherever local businesses are reviewed.

    Peter is the best when it comes to helping you navigate the intricacies and often complex world of financial planning. He is always ready to listen and address any concerns that you may have. Peter and his team care about their clients and are people of integrity. I count myself fortunate to have them in my corner. – Maria

    This statement was provided on 11/30/22 by Maria, a client of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group.  This statement may not be representative of the experience of others and is not a guarantee of future performance or success.  For additional reviews, search us wherever local businesses are reviewed.

    As an entrepreneur myself, it was important to find an advisor who understood my specific needs and goals, and the pressures I sometimes face to achieve them. I have found that in Peter. His wealth of knowledge is combined with a calm and sincere manner. He genuinely cares about me as a client and as a person. I highly recommend him and the URPG team. – Sadie

    This statement was provided on 12/5/22 by Sadie, a client of Peter J. Gallagher, Managing Director, Unified Retirement Planning Group.  This statement may not be representative of the experience of others and is not a guarantee of future performance or success.  For additional reviews, search us wherever local businesses are reviewed.

    Five Questions to Ask Your Current Advisor

    How transparent is your current advisor concerning fees and investment recommendations? Here are five questions you can ask to become fully informed. To learn more, click here.

    Giving Back to Our Community

    A commitment to serving our community underscores the Unified Retirement Planning Group’s core values. Our team dedicates its time to several community service events throughout the year.

    Making a Difference

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