"Life in a Box"

Family Protection
Focuses on providing a safety net for unexpected events that can cause serious financial loss to your family:

•  Financial Emergencies
•  Pay medical bills in the event of Illness
•  Income replacement lost due to disability
•  Maintain a standard of living after the death of a spouse or other loved one

Investment Portfolio Management
•  Development of investment strategy designed to create, preserve and grow wealth in volatile and trending market

•  An Investment Portfolio Stress test to determine how your portfolio handles market downturns
•  Ongoing implementation of an active allocation strategy for proper market exposure and trends.  
•  Aggregation of all your accounts to simplify and reduce paperwork
•  Plan best tax strategy (401k, IRA, Roth, NQ, etc… ) to accumulate money in retirement plans

Education Planning
•  Establish and project education planning goals for family members
•  Determine the best type of education plan for personal circumstances
•  Identify current and future costs of education

Tax Reduction Planning
•  Involves helping find potential tax savings through reducing or shifting current or future income tax liabilities
•  Evaluating business structure to optimize the benefits of the Internal Revenue code
•  Deferring income and/or accelerating expenses at year-end
•  Strategies to realize losses or gains through a wide range of allowable actions

Retirement Lifestyle & Income Planning

•  Determine the amount needed/desired upon retirement, then implement recommendations to fund your income needs 

    and help maintain a comfortable standard of living
•  Develop strategy to prevent you from outliving your retirement income
•  Determine the best methods and timing for withdrawing retirement income

Charitable Giving
•  Help identifying charitable giving opportunities that fit within your value structure and that help minimize tax liability
•  Develop a charitable giving plan to be incorporated into cash flow and expense budgets

Family Legacy & Estate Planning
•  Involves identifying beneficiaries and what they are to receive both during the client’s life and upon his or her death.
•  Provide knowledge about available estate planning techniques and tools
•  Development of custom estate plan to transfer wealth while minimizing unnecessary tax liabilities and avoiding probate
•  Help determining how property will be transferred at death by means of a will, interstate, contract, trust, and/or operation 

    of law

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4565 Benedum Drive

Bridgeport, WV 26330
Phone: (304) 626-3900
Toll-Free: (866) 623-3900

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Securities offered through Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Beacon Wealth Management operates independently of Cambridge. This communication is strictly intended for individuals residing in the states of WV, PA, OH, MD, NC, SC, TX, FL, NY and DE.  No offers may be made or accepted from any resident outside the specific state(s) referenced.


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