A financial planner helps pre-retirees understand when they can retire, how much income they’ll need, and how to draw from retirement accounts in a tax-efficient way. At Beacon Group, we create customized retirement plans that cover Social Security timing, investment allocation, healthcare costs, and income strategies — so you can retire with confidence and clarity.

If you're within 5–10 years of retirement and unsure how you'll turn your savings into a steady income, then you need a retirement income plan. We help you determine how much you can safely withdraw each year, which accounts to use first, and how to avoid outliving your money.

An investment advisor focuses mainly on managing your investments, while a financial planner looks at your entire financial picture — including retirement goals, taxes, income needs, insurance, and estate planning. At Beacon Group, we do both, offering holistic planning and hands-on portfolio management.

Ideally, you should start working with a financial advisor in your 50s — about 5–10 years before retirement. This gives you time to adjust your investment strategy, optimize Social Security, and plan withdrawals. But even if you’re already retired, it’s never too late to benefit from personalized guidance.

Absolutely. We specialize in helping clients roll over their 401(k), 403(b), or TSP accounts into IRAs when changing jobs or retiring. We make sure the rollover is handled correctly to avoid taxes and align with your long-term income plan.

Yes. We include healthcare and long-term care considerations in every retirement plan. We help you estimate costs, understand Medicare options, and explore insurance solutions to protect your savings against unexpected medical expenses.

We proudly serve clients across Columbia, SC and the Midlands including Lexington, Irmo, Chapin, and Blythewood. We also offer virtual consultations for clients anywhere in South Carolina or beyond.