Cash feels safe — but an oversized cash buffer can be one of the most expensive decisions in your financial plan. In this article, we help you quantify exactly how much long-term growth is lost when excess cash sits on the sidelines instead of being invested in a diversified investment portfolio.
Read MoreBuffer ETFs, also known as Defined Outcome ETFs, are a newer investment product that hit the market in 2018. These products have been getting attention in the investment world and are growing in popularity. Therefore, we wanted to take some time to review these products and highlight important aspects that should be considered before investing.
Read MoreAnnuities show up in a lot of retirement conversations, but they remain one of the most misunderstood products in personal finance. Part of the confusion is that an “annuity” isn’t one product, but a family of related products that can look very different from contract to contract.
Read MoreWhen a person passes away, one of the most significant tax advantages that transfers to their heirs is called the “step-up in cost basis”. For those inheriting appreciated assets, this provision can mean the difference between owing hundreds of thousands of dollars in capital gains taxes and owing nothing at all.
Read MoreBecoming overly concentrated in your portfolio adds an extra amount of risk. We monitor our portfolios for this and ensure that no one company will determine the ultimate success of our clients’ portfolios.
Read MoreWe frequently speak with clients about their asset allocation—especially during periods of significant market movement. These conversations often revolve around the desire to increase equity exposure when markets are rising and reduce it when markets are falling. While this instinct is understandable, a visual representation can often help illustrate why market timing is rarely a successful long-term strategy.
Read MoreThe IRS has announced contribution savings limits for retirement savings accounts for 2025.
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Check out this recent webinar where Chip, John, and Beacon's newest team member Dave sit down to discuss key topics in the investment markets throughout 2024, share valuable insights, and discuss the outlook for 2025.
Read MoreSince 2004, much has changed, but one thing has remained constant: our unwavering commitment to helping our clients. As we’ve matured and experienced life’s ups and downs ourselves, we’ve come to truly appreciate the value of the advice Beacon provides and the difference it makes for our clients.
Read MoreChip and John sit down to discuss some of the highlights from Beacon’s most recent investment committee meeting!
Read MoreInvesting is as much a psychological journey as it is a financial one. While market dynamics, economic indicators, and personal preferences play crucial roles in investment decisions, understanding and managing behavioral issues is equally important.
Read MoreOn this episode of Finance In A Flash, we continue our series on Mid-Career Professionals by discussing Investments. Chip and Nick discuss how you can maximize your investment strategy as a Mid-Career Professional, as well as the different types of investment accounts you should consider.
Read MoreDo you have a well-defined investment philosophy? Is your philosophy grounded in academically proven research, or is it influenced by recent events, the media, or individuals promoting an investment product?
Read MoreWhile the US hasn’t experienced a period of high inflation since the late 1970s, is it possible that we are in the beginning stages of an inflationary cycle?
Read MoreHere is a replay of our June 17th, 2021 webinar! During this webinar, Beacon’s Investment Team provides their unique perspective on a wide range of investment related topics including…
Read MoreShould your portfolio be invested in dividend paying stocks during retirement? This answer always varies, but for most the answer is NO! Let us explain…
Read MoreIn today’s connected world, headline risk is everywhere! As harmless as headline risk may seem, it can represent a huge deterrent in making progress towards long term financial goals.
Read MoreWho would have ever expected a rebound of historic proportions in stocks? However, since March 23rd—the height of pandemic uncertainty—major stock indexes have advanced nearly 40%!
Read MoreEliminating debt is a key factor in accumulating wealth, but is paying off your mortgage as soon as possible the best financial decision?
Read MoreDo you know the factors to consider when establishing an emergency savings account? How much cash is it appropriate to keep on hand in short term savings and money markets? Before we address the question, it is important to understand the important role cash plays in an overall financial plan.
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