About UC Retirement Coach

My goal is to help you build wealth & finish strong so your retirement will truly be your golden years.

I developed the 401kWealthPlan eAdvisory service, with my United Capital team members, based on my experience as Managing Director of United Capital's Rockford IL office.  Many of my clients need specific help managing their 401(k) assets and it became evident that meeting two, three or even four times a year is not enough to properly manage 401(k) wealth. It is especially true in the very volatile market we have been in for the last 10 years. If 200 years of history is any indication, this volatility will most likely last for another 6 to 10 years.


I am concerned that most investment theory today is NOT designed to help individuals get to retirement with enough money. You work hard to build up your balance and the markets end up taking it away. The harder you work to save money, the more you end up losing when the markets turn sour. This can significantly delay your retirement plans, especially if you have already taken two significant hits to your 401(k) value over the last 10 years. 

To retire comfortably most projections require that you at least double your money in the last 10 years of your career (just over a 7% compounded return). Many investors are turning to more conservative portfolios at what I believe is exactly the wrong time and will only get back to a growth strategy when it is too late, or worse just to have the market sell off again. 


The 401kWealthPlan eAdvisory service is based on an investment discipline that we at United Capital use to manage assets for both high-net-worth individuals and nonprofit organizations across the country.  

 

We believe that you have to focus on your wealth and not your performance.  By focusing on protecting your wealth in down markets and simply participating in up markets, you significantly increase the chances of meeting your retirement goals; provided you are contributing an appropriate amount to your retirement strategy. 

 

 

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Phil Jacobson
Founder

Phil Jacobson holds a Bachelor of Science degree in Business from the University of Minnesota, Carlson School of Management and is a member of the Investment Consultants Association (IMCA).  He resides in Rockford, IL with his wife and two children. In 2011 he was recognized by his peers at United Capital as the 2011 Managing Director of the Year for his work helping clients of United Capital to better understand and accomplish their goals, dreams, and life purpose.  Phil and Team are ready to help you do the same.

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