Retirement Income Blueprints
At Beacon Retirement Planning Group, we help you build a reliable income strategy designed to grow and adapt through every stage of retirement—so you can live the life you’ve envisioned with clarity and confidence.
What we believe
We engineer retirement income with the same precision that built your wealth plan. First, we map essential vs. aspirational spending and chart how those costs evolve through the “go-go, slow-go, and no-go” phases of retirement. Then we layer multiple cash-flow engines designed to help absorb both market shocks and rising prices.

Benefit-claim analyses that weigh longevity, tax brackets, IRMAA surcharges, and survivor needs to help you start at the optimal month, not just the earliest one.
Laddered Single Premium Income Annuities, Deferred Income Annuities, and bond/TIPS ladders, when appropriate, designed to cover non-negotiables like housing, food, and healthcare, freeing your portfolio to pursue growth.
A “two-bucket” approach (liquidity bucket + growth engine) with guardrail rules that automatically raise or tighten distributions in bull and bear markets.
Pulling first from taxable accounts, then traditional IRAs, then Roths—while harvesting capital losses and funding charitable gifts—to help keep lifetime taxes and Medicare premiums low.
Real-time loss harvesting, factor tilts, and downside buffers that can help smooth volatility and extend portfolio life without sacrificing upside potential.
Coordinated Medicare, HSA, and LTC strategies to help ensure future medical costs don’t ambush your cash flow.
Each strategy is stress-tested with Monte Carlo simulations and forward-looking inflation scenarios, then refreshed annually (or whenever markets lurch) through THE HORIZON FORMula™. The goal: dependable, inflation-resilient income designed to match your ambitions, withstand market squalls, and let you focus on living the life you’ve spent decades imagining.
Contact Us
Book your no-obligation meeting today! No pressure. Just a casual conversation about your vision for the future and how we can help to guide the way.
Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard, which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details, including potential conflicts of interest, are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations). ARE-18909 | 25654 | 06/2025