Universal Financial Solutions provides advanced solutions to help our clients build and protect their wealth. We help our clients plan for the biggest risks they face in retirement: Taxes, Long Term Health, Market Volatility & an Early death of a spouse.Most financial firms concentrate on market volatility and how to manage asset allocation to reduce this risk and still provide growth. These models tend to work until you start taking retirement income. If you try to protect your balance from market downswings, then you get very little growth, and your retirement income is reduced. If you stay aggressive and the inevitable downswing hits you risk taking a big hit to your retirement account and your retirement income is reduced. Most people think this is the biggest risk to their retirement, unfortunately there are bigger risks that are not being talked about let alone quantified or planned for.Our country is facing a tax crisis and Covid has compounded that problem. There is a Tax Train coming and you don't want to be sitting on the tracks when it hits. This is potentially the biggest retirement risk clients face. You have been told all your life to maximize your 401k or qualified plan and get a tax deduction. The problem is this deduction was actually a tax deferral and now you owe the government a huge tax debt. The scary part is the government can decide to increase your debt at any time! We can quantify what your tax debt is now and what it will be after the Trump tax cuts expire 1-1-2026. We also provide solutions to significantly reduce your tax risk.Another major retirement risk is one or both partners having a long-term care health issue. How long would your retirement account last if you had to pull an extra $100,000 a year out? 70% of those 65 and older will need some form of long-term care.These are scary issues that most people never plan for. We help clients get ahead of these issues, usually by just reallocating existing assets.