Patrick Anderson – President of UniFirst Financial and Tax Consultants

For many small business owners, the business is the retirement plan.
That’s common. It’s also risky. When the economy dips, business value can dip at the same time your investments drop.

In 2026, volatility is the baseline. If your plan is to "ride it out," you may be taking more risk than you realize.

At UniFirst Financial and Tax Consultants, we implement the Safety First Strategy—a retirement approach built to create predictable income, reduce exposure to market shocks, and drive aggressive tax efficiency. "You don’t retire on a portfolio balance. You retire on income."

The 100% Risk Trap (And How We Break It)

Many owners have most of their net worth tied up in the business. Add a market-based 401(k) or brokerage account, and you can end up fully exposed to the same downturn.

"We eliminate the fear of the unknown by locking in your floor."

Unlike those offered anywhere else, our process starts with protection and income—not speculation.

What the Safety First Strategy Does

The core idea is simple: secure essential expenses with reliable income first, then invest growth dollars with a clearer margin of safety.

This approach focuses on:

• Guaranteed income planning: "A paycheck for life beats a pile of money with a question mark."
• Downside risk control: When markets fall, your protected foundation doesn’t have to fall with it.
• Tax-smart coordination: We build the plan around proactive tax strategy, not after-the-fact filing.

We also aim for meaningful tax reduction. In many client situations, we significantly reduce taxes by around 50% almost 100% of the time using proven strategies that stay within IRS guidelines.

Building Your Recession-Proof Floor

Retirement should not feel like a second job where you monitor the market every morning. The goal is to know your baseline lifestyle is covered—no matter what the headlines say.

"Your retirement should not be a rollercoaster ride you can't get off."

A strong floor typically includes:

• Income sources you can’t outlive
• Clear gaps identified between guaranteed income and desired lifestyle
• A plan for timing—when to turn income on, and when to keep growth working

Wealth Transfer: Protect the Legacy You Built

A business is a legacy. Without planning, wealth transfer can turn into delays, friction, and unnecessary taxes.

The Safety First Strategy includes intentional beneficiary and legacy coordination so your assets move efficiently to the people you care about.

"A good man leaves an inheritance to his children’s children." — Proverbs 13:22

Stop Guessing. Get the Plan.

If your current advisor only talks performance and never talks taxes, income, and protection together, you may be stuck in the risk zone.

We offer a no-obligation free assessment to show you:

• Where your retirement plan is exposed
• Where taxes are leaking value
• What it looks like to build a protected income floor

"If you don't have a guaranteed floor, you don't have a plan—you have a hope."

Take the First Step Today

You worked too hard to leave retirement up to timing and luck. Let’s build the strategy that protects your lifestyle and your family.

Contact us today for Contact Us for Your Free Assessment.

UniFirst Financial and Tax Consultants

Address: 205 Van Buren St., Suite 120, Herndon VA 20170
Phone: (888) 581-3320
Email: patrick@unifirstfinancial.com
Website: https://unifirstfinancial.com