Your San Diego Retirement Planning Specialists

San Diego Retirement Planning Alternative Retirement Solutions San Diego with Beacon Retirement Planning Group

 
 
 
 
 
At Beacon Retirement Planning Group, Inc. we believe that a plan is a powerful tool. In order to retire today, you need to have a financial plan. Without a solid plan, one runs the risk of falling short on income or leaving nothing to your beneficiaries. At Beacon Retirement Planning Group, Inc., we focus on helping you achieve your financial goals and dreams. Our goal is to create not only peace of mind, but show you how your nest egg can work for you. We develop a unique financial plan catered to your short and long-term financial goals. Your satisfaction is extremely important to us and we want to help you achieve success in retirement. Call us today with any questions. We are always happy to serve you.

Alternative San Diego Retirement Planning Solutions

It's Time to Bail Out Your Retirement!

 

Life may be full of risks . . . . . . but as a business owner, your retirement plan shouldn't be!

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With the stock market crash of 2000-2002 and again in 2008-2009, millions of Americans lost BILLIONS of dollars. From 2000-2002, 80% of Americans lost half or more of their entire financial portfolio during that three year period. It took investors about 3.5 years to recover from that bear market. In 2008-2009, the market crashed again with a decline of more than (-37%) in just over 7 months!  
 

Millions who were planning to retire can no longer afford to retire.

 
The consequences of investors not having their money in wealth-building tools that would provide principal protection in down markets and that would guarantee a rate of return with a lifetime income has been ominous. As a result of all these issues, “retirement income shortfall” is becoming a major concern for business owners who now contemplate working longer in order to save more for retirement.
 
As a business owner, there is a better way to secure your retirement TODAY. 
 
The Alternative Retirement Strategy™ provides you – the business owner – with the opportunity to use a unique financial strategy to fund your retirement NOW. These proven, PRINCIPAL PROTECTED strategies use the power of leverage to enable business owners, medical and legal professionals, and entrepreneurs to selectively and tax-efficiently transfer wealth out of their businesses and into powerful yet conservative financial programs. 
 
The Alternative Retirement Strategy™ guarantees that the principal amount placed into the accounts will not be adversely affected by fluctuations in the marketplace. In turbulent periods, your funds are safe from negative returns. In growth periods, you are able to realize the upside of a powerful, compounding financial vehicle. The ultimate financial goal is to provide lifetime retirement income and stability for your retirement portfolio.
 

Growth, Value, or Both

More than half of Americans have direct investments in the stock market, and it’s probably safe to say that they would like their investments to grow.1

Most investors would also like to believe their investments have value. So what does it mean to invest in a growth mutual fund or a value mutual fund? The labels “growth” and “value” reflect different investment approaches that mutual fund managers use when making portfolio decisions.
San Diego Retirement Planning

Two Strategies for Pursuing Results

Growth stocks are companies that appear poised to grow. These companies generally do not pay dividends because they are more likely to reinvest profits. A growth company may be on the verge of a market breakthrough or acquisition, or may occupy a strong position in a growing industry. Generally, smaller companies have more potential to grow, but a larger company may also be a growth stock. As you might expect, growth stocks carry substantial risk.

Value investing tries to identify companies that are undervalued by the market. Their stock prices may be lower in relation to their earnings, assets, or prospects.

Deciding When to Begin

 
A presidential commission has recommended increasing the early retirement age for Social Security to 64 and the full retirement age to 69. Fortunately, the plan, if adopted, would be phased in slowly and wouldn’t be fully implemented until 2075.
 
social security and medicare investments
Currently, most Americans can choose to start collecting benefits at full retirement age, which ranges from 65 to 67 depending on the year they were born, or to receive a reduced benefit as early as age 62. This is an important decision, so it’s a good idea to consider all the factors involved.
 
It’s About Monthly Income
If you claim benefits at age 62, the amount you receive each month would be about 70% of your full retirement benefit. Each month you wait to claim benefits after age 62, your monthly benefit increases slightly, so that at full retirement age you would be entitled to 100% of your full retirement benefit. For each month you wait to claim Social Security afterfull retirement age, your monthly benefit will continue to increase until you reach age 70, when you could be entitled to about 132% of your full benefit.
 
If you live an average life expectancy, you will collect the same amount in lifetime benefits regardless of
5858 Mt Alifan Dr. Ste. #108
San Diego, CA 92111
3160 Lionshead Avenue, Suite One
Carlsbad, CA 92010
Ph: 866-800-7789 
960 Canterbury Place, Suite 110
Escondido, CA 92025
Fax: 760-692-0775