The math has changed. The world has changed. Is your retirement plan stuck in the 1990s?
For decades, the "4% Rule" was the gold standard. Financial advisors told you to withdraw 4% of your savings every year. They promised your money would last 30 years.
They were wrong.
In today’s volatile market, a "standard" withdrawal strategy is a gamble with your future. You worked too hard to leave your lifestyle to chance.
At UniFirst Financial and Tax Consultants, we don't guess. We plan.
The 4% rule assumes a "normal" market. But we aren't living in normal times.
If the market drops 20% in the first few years of your retirement, a fixed 4% withdrawal could drain your accounts before you hit 80. This is called "Sequence of Returns Risk." Most advisors ignore it until it’s too late.
We do things differently.
Unlike those offered anywhere else in the financial industry, our Safety First Strategy focuses on one thing: Guaranteed income for life.
We don't just hope the market goes up. We build a fortress around your lifestyle.
"I will show you how to turn your savings into a paycheck that never stops: no matter what the stock market does."
Our holistic process identifies the exact investment strategies needed for long-term success. We help you take advantage of tax-deferred retirement accounts and tax-free investments to build a wall of protection around your family.
Most people think their biggest retirement threat is the stock market. It’s not. It’s taxes.
If you have a million dollars in a 401(k), you don't actually have a million dollars. You have a joint account with the IRS.
Our specialized tax planning analyzes your financial situation to develop personalized strategies that maximize savings. We significantly reduce taxes significantly almost all the time.
Why pay the government more than you have to?
We focus on building retirement income for life and ensuring a smooth wealth transfer to your beneficiaries. Your legacy shouldn't be a tax bill for your children.
We believe in stewardship and wisdom. As it says in Luke 14:28:
"For which of you, intending to build a tower, sitteth not down first, and counteth the cost, whether he have sufficient to finish it?"
Planning isn't just about numbers. It’s about having the "sufficient" resources to finish your race with dignity and peace.
You deserve a retirement plan that works in the real world. Not a theoretical rule from thirty years ago.
We provide a unique, customized tax plan designed for your specific goals. Whether you are a business owner or a working family, we have the tools to protect what you've built.
Contact Us for Your Free Assessment
Schedule Your Strategy Session Here
Don't wait for the next market crash to find out if your plan is broken. Secure your paycheck today.
UniFirst Financial and Tax Consultants
205 Van Buren St., Suite 120
Herndon VA 20170
Phone: (888) 581-3320
Email: patrick@unifirstfinancial.com
Web: https://unifirstfinancial.com
Our strategies are unlike those offered anywhere else in the financial industry
- we offer a no obligation free assessment so you can put our claim to the test.