Pre-Retirees

See the Finish Line—And Cross It on Schedule

Five to ten years out, the decisions you make now will echo for decades. Beacon models what-if scenarios, helps you optimize today’s savings, and aligns your portfolio to your target date—to help you enter retirement with unwavering confidence.

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QUestions we Answer

Retirement Is on the Horizon. So Are Big Decisions

If you're within 5 to 10 years of retirement, you're likely asking yourself:

Am I truly on track—or just hoping the numbers work out?

How do I bridge the gap between my last paycheck and my first Social Security deposit?

Should I adjust my investments now, or wait until I’m closer?

What’s the best way to turn my savings into a reliable income stream?

At Beacon, we help pre-retirees turn possibility into a concrete plan. 

This phase of life isn’t just about building—it’s about positioning. Our strategies focus on optimizing savings, minimizing taxes, and building flexible income frameworks—to help you enter retirement with momentum, not anxiety.

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Clarity meets Confidence

Why Pre-Retirees Choose Beacon

FORM™ Discovery

One focused meeting surfaces your Family, Occupation, Recreation, and Money priorities to anchor every strategy.

Social Security & Pension Precision

Breakeven and survivor analyses help to pinpoint the optimal filing month and potentially increase lifetime income. 

Tax Bracket Management

Roth conversions and gain harvesting, as appropriate, to help fill low brackets today and avoid IRMAA surcharges tomorrow.

Portfolio Alignment

Direct indexing and options overlays, when appropriate, designed to help smooth volatility without capping upside, to help keep you on track even when markets wobble.

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Outcomes We Work Towards

  • A clear “go date” backed by math, not guesswork.
  • Strategies designed to help maximize Social Security and pension benefits.
  • A tax-efficient glide path designed to keep more in your pocket before and after retirement.
  • A portfolio designed to help hit—and sustain—your target income from Day 1 forward.

Contact Beacon

Book a “Five Years Out” Strategy Session

Walk away with a one-page roadmap that can turn anticipation into action.