Protect More of What You’ve Earned

Tax & Insurance Planning for Retirement in Columbia, SC

Smart planning reduces risk, lowers tax burdens, and protects your future — so your retirement savings can do more for you.

Talk to a Planning Expert
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Tax-Efficient Withdrawals

We help you draw income from the right accounts in the right order to minimize taxes and extend your portfolio’s life.

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Healthcare & Medicare Guidance

We help you plan for Medicare, supplemental insurance, and estimate healthcare costs in retirement.

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Roth Conversion Strategies

We evaluate if converting traditional IRA assets to Roth IRAs makes sense based on your tax bracket and timing.

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Long-Term Care Planning

We review your options for protecting against the rising cost of assisted living, in-home care, or nursing facilities.

It’s not just about how much you’ve saved — it’s how much you keep and how long it lasts.


Planning for Risks and Opportunities You Can’t Afford to Miss

At Beacon Group, we integrate tax and insurance planning into your overall financial strategy — because taxes, healthcare, and unexpected events can quietly erode even the best retirement plan. We work to ensure your withdrawals are tax-smart, your insurance is cost-effective, and your plan is built to last.

Our team analyzes your income sources, tax brackets, and account types (IRAs, Roths, 401(k)s, taxable accounts) to create an efficient drawdown plan. We also explore Roth conversions when they could reduce your lifetime tax burden — especially between retirement and Required Minimum Distributions (RMDs).

On the insurance side, we help you prepare for big-ticket risks like long-term care or gaps in Medicare. Whether reviewing existing coverage or suggesting new protection, our advice is always independent and aligned with your goals — not driven by product sales.

  • How can tax planning improve my retirement?


    Tax planning can help you withdraw funds in the right order, minimize Social Security taxes, reduce RMD impact, and avoid costly Medicare surcharges. Over decades, this can significantly improve your net retirement income.

  • What is long-term care planning?


    It’s the process of preparing for future care needs — such as assisted living or home health — without depleting your retirement assets. We discuss insurance options, savings strategies, and family considerations to help you plan wisely.

  • Can I do a Roth conversion after I retire?


    Yes. In fact, the years between retirement and RMDs can be an ideal time. We help assess if it makes sense for your income level, goals, and estate plan.

Built Around Your Life

Your portfolio is designed for your real-world needs — like retirement income, major expenses, and peace of mind.

No Sales Pressure, Ever

We’re independent and transparent — no product pushing, just advice you can trust.

Aligned With Your Plan

Every investment choice is made in context of your full financial strategy — not in a vacuum.

Grow Your Wealth with a Trusted Partner

Whether you’re building assets or preparing to draw from them, you deserve a thoughtful, disciplined investment strategy. At Beacon Group, we manage your portfolio with purpose — so you can focus on life, not the market.