Your retirement plan just changed.
If you earn over $150,000, the IRS has rewritten the rules for your 401(k). The days of automatic tax deductions for your catch-up contributions are over. As of 2026, the SECURE 2.0 Act mandates a "Roth-only" path for high earners.
Most financial advisors are still catching up. We are already ahead.
At UniFirst Financial and Tax Consultants, we don't just "manage" money. We master the tax code to ensure you keep what is yours. Our strategies reduce tax liabilities significantly almost all the time.
For years, you have relied on pre-tax catch-up contributions to lower your taxable income. That door has officially closed for anyone earning more than $150,000 in prior-year FICA wages.
This isn't just a minor tweak. It is a fundamental shift in how you must build wealth.
There is a silver lining for those in the "golden window" of ages 60 to 63. The new rules allow for a "Super Catch-Up."
In 2026, you can contribute an additional $11,250 on top of your regular limits. This brings your total possible employee deferral to roughly $35,750.
"We promise to find the hidden opportunities in the tax code that your current CPA is missing."
While this $11,250 must be Roth for high earners, it represents a massive chance to build tax-free wealth for the future. You pay the tax now so you never pay it again.
Most advisors focus on growth. We focus on net results.
Traditional wealth management often ignores the tax "leakage" that drains your estate. If you are blindly following the old 401(k) model, you are likely overpaying the IRS.
Unlike those offered anywhere else in the financial industry, our holistic tax plan analyzes your entire financial picture. We don't just look at your investments; we look at the IRS guidelines to find every legal way to save you money.
We specialize in retirement planning using our unique Safety First Strategy.
We help you take advantage of:
"A good man leaves an inheritance to his children's children." : Proverbs 13:22.
Our goal is a smooth wealth transfer to your beneficiaries without the government taking a massive cut.
Don't wait for your W-2 to tell you that you've missed out. You need a plan that balances your current tax savings with your future tax-free income.
We provide a unique, customized tax plan with a holistic process. We identify investment strategies for long-term financial success that the big-box firms simply don't have the time to execute.
Contact Us for Your Free Assessment
https://calendly.com/pdanderson
There is no obligation. Just a clear, confident strategy to keep more of your hard-earned money.
UniFirst Financial and Tax Consultants
205 Van Buren St., Suite 120, Herndon VA 20170
Phone: (888) 581-3320
Email: patrick@unifirstfinancial.com
Website: 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.