Now Playing
Bri
0:00
0:00
Auto-advance
Founder & CEO · Retirement Income Strategist
Experience matters when your retirement is on the line.
David Abreu has spent the last twenty years helping retirees and pre-retirees protect what they have built — with income strategies, tax-aware planning, and independent guidance drawn from across the marketplace.
Forbes Finance Council Member · Author · The Retirement Rescue System
Forbes Finance Council
Author · The Retirement Rescue System
20+ Years Fiduciary Practice
Founder & CEO · Retirement Income Strategist
Top A+ Rated Carriers. Independent Access.
Licensed nationwide — David compares highly rated companies across the marketplace so the strategy is built around you, not one carrier.
— 01 —
The Advisor
Twenty years spent on one question.
How do you turn a lifetime of savings into a retirement built for protection, income, and long-term confidence?
For the last twenty years, David Abreu has helped retirees and pre-retirees turn a lifetime of savings into a retirement built for protection, income, and long-term confidence.
As Founder and CEO of Pacific United Financial Group, David runs an independent, nationwide practice. He works across the marketplace — not for any single carrier — so the plan is built around the client.
His work has been featured through the Forbes Finance Council, and he is the author of The Retirement Rescue System — a practical guide to protecting retirement savings, generating income, and planning with clarity.
A Note from David
Schedule Consultation
Watch David’s briefing.
How the practice thinks about retirement risk, income, and the questions worth asking early.
— 02 —
A five-step method, refined over twenty years.
A written process that treats retirement as its own planning problem — with different math, different risks, and a different measure of success than the accumulation years.
-
Step One
Diagnose.
An unhurried review of every account, income source, and obligation — on paper, before anything is recommended.
What you leave with- Written asset and income inventory
- Tax and Social Security snapshot
- Retirement risk exposure report
-
Step Two
Design.
A written strategy for income, protection, and taxes — with highly rated carriers evaluated side by side.
What you leave with- Written income and protection strategy
- Side-by-side carrier comparison
- Sequenced withdrawal plan
-
Step Three
Deploy.
Every transfer, rollover, and application handled in your presence with a written checklist and timeline.
What you leave with- Written execution checklist
- Coordinated rollover schedule
- Beneficiary and titling review
-
Step Four
Defend.
Ongoing monitoring of markets, tax law, and carrier ratings — with scenarios re-run whenever the terrain shifts.
What you leave with- Annual scenario stress-test
- Legislative and tax-law updates
- Carrier rating watchlist
-
Step Five
Adjust.
Written amendments whenever your circumstances, health, family, or goals change — measured against the original strategy.
What you leave with- Written amendments to strategy
- Beneficiary and estate coordination
- Legacy transition guidance
— 03 —
Hear from real clients.
Select any name from the roster to listen. The player advances automatically.
Client Testimonials
Every recording above is from a real Pacific United Financial Group client. Names are shown as provided.
— 04 —
A Book by David Abreu
The Retirement Rescue System.
How to Never Run Out of Money in Retirement.
Written for Americans within a decade of retirement, the book distills two decades of client conversations into a plain-spoken framework — the same one used inside Pacific United Financial Group.
You will learn how to identify the risks most portfolios miss, why the accumulation playbook stops working the day distributions begin, and how to think about income, taxes, and legacy as one connected question.
It is a short read by design. The intention is to leave you with a better set of questions to bring to any advisor — including David himself.
— 05 —
This work is for a specific person.
Pacific United Financial Group is not a fit for everyone — and we would rather say so up front than waste your afternoon.
A Note on Fit
This is likely not a fit if —
- You are primarily seeking aggressive market growth or short-term speculation.
- You have less than $250K in investable retirement assets.
- You’re looking for stock picks, day trading, or investment speculation.
- You’re not interested in protecting retirement income or reducing unnecessary retirement risk.
If this isn't a fit, we'll happily point you toward someone better suited.
— 06 —
If you are drawing income from an invested portfolio, it applies. Early-retirement losses compound against a withdrawal plan — the same average return, front-loaded with losses, can drain the account a decade sooner.
Strong past performance doesn’t guarantee future results. As you near or enter retirement, the goal shifts from growing your money to protecting it, reducing taxes, and creating income that lasts. A new strategy now can help you keep more, pay less in taxes, and create guaranteed income you can’t outlive.
The right filing age depends on health, marital status, other income, tax bracket, and whose benefit is larger. We model your specific case in writing before recommending an election age.
One of the most under-planned windows in American retirement. Healthcare costs and income sequencing must be handled together — a small change in reported income can move a household across an ACA subsidy cliff.
In your interest, in writing, with the reasoning shown. Not every advisor using the word operates that way. Ask for the specific language of the standard they follow — and ask them to sign it.
Thirty minutes. No paperwork. No product presentation. David asks about your accounts, timeline, and what a good retirement looks like to you. If there's nothing to help with, he says so. If there is, he explains the next step in writing.
Most clients have $250,000 or more in investable retirement assets. Below that, we'll say so on the first call and point you toward a professional who's a better fit for your stage.
The difference is not the products — it's the sequence. Most portfolios are built for accumulation and repurposed for retirement. Our process treats retirement as its own planning problem: different math, different risks, different measure of success.
— 07 —
Select a Time · Pacific