Real Estate – The New Retirement Financial Planning Mantra for a brand new Economic Climate

Our retirement funds go through their ups and downs. The markets go up, and we look up in the paper having a large smile on our faces. The markets go down, and we may perhaps wish to hide our face in the paper. But really, when you debate whether you have made the correct choice together with your retirement assets, you have to agree that usually, not frequently thought gets set to the knowing of the complete retirement purchase idea. To begin with, inflation, even if it always hovers around a friendly 3%, can take a substantial bite out of your investments. What you could get inside a home in the ’90s for $100,000, will price you around $250,000 now. More than time, even a modest 3% inflation rate can add up; your retirement financial planning just cannot do without a good bit of inflation planning.



Let’s say that as usually when you find these disappearing these days, that you could have the gain of the corporate (or federal government) pension. You will possess a variety of pension choices; frequently, your employer will make the appropriate kinds of calculations here. But much too frequently, there could be errors, intentional or unintentional, that can leave you with much less that you are due. Getting a pension consultant to look through your papers, often makes sense. Your consultant can come up with all sorts of helpful recommendations as soon as he finds out more about your retirement financial planning vision. If you’ve a target date retirement fund, one that instantly turns your money to less dangerous investment funds as you grow closer to your retirement age, it may well be a good concept, it may well be suggested for example, to terminate the fund as soon as you retire. As well as the older you grow past that date, the less dangerous even now your investment funds must be.



Wise retirement financial planning system will be, that when you retired, you lived off your post-tax retirement savings. And then, when you’ve operate through that money, you’ll be able to switch to your IRA or your 401(k) tax-deferred accounts. And then, you can turn to your Roth IRA. All of this sounds just wonderful; but right after last year’s expense marketplace meltdown, are we really sure that our investments, no matter how conservative you believe they’re, couldn’t shed value in the blink of an eye?



The standard rule must be, that mutual finances are a great deal less dangerous from retirement financial planning incompetence, than, say, hedge options. Mutual fund investors did endure considerably final year; if you’re that way inclined, you can look at a specific cast iron expense choice: real estate. Two thirds of people who carry on operating soon after retirement age, will be spared the indignity if they had invested in real estate. As a great deal as every other type of expense has cratered, real estate may be an unstoppable force. But investing in real estate as a part of your retirement financial planning, can place you about the road to major taxes burdens, if you’re not careful.



Should you invest in real estate to your IRA, you are able to commonly maintain your investment funds tax-free until you’re prepared to get a withdrawal. You’ll most likely have to find a broker who is willing to do property with retirement finances. Issues can get incredibly flexible with companies like Lincoln trust of Denver or Pensco. The sooner you find out how to move your retirement planning over to real estate, the better. If you might have a Roth IRA, this becomes very easy. All you require to complete is really a tiny planning with forethought, and you could be fixed for existence.



Related posts:

1. Yucatan Real Estate – Up-and-Coming Retirement Destination



2. A Growing Momentum for a Real Estate Investment Broker



3. Are you soon going to invest in real estate



4. Chicago Real Estate Appraisal



5. Real Estate Tycoon Elie Hirschfeld Launches Real Estate Leasing Services

Original Post: http://www.TopDocPublisherListing.info/uncategorized/real-estate-the-new-retirement-financial-planning-mantra-for-a-brand-new-economic-climate/

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As Economy Recovers, Managing Risk Will Be Critical

By Ruthie Ackerman

January 7, 2011

Managing risk with be the trend in the investment management business in 2011, said Ed Keon, managing director and portfolio manager for Prudential Financial's Quantitative Management Associates, at Prudential’s 2011 Global Economic and Retirement Outlook briefing in New York City on Tuesday.



Although Keon believes the economic recovery is gaining traction in the U.S. and globally there is much that can go wrong. “There is stuff we can’t even imagine right now, like the sovereign debt issue we couldn’t have imagined last year,” he said. “We are trying to deal with budget problems and housing prices are still weak. We will likely overcome these things and the economy will look better next year than it does now.”



One fear, Keon pointed out, is that some feel the aggressive actions by the Federal Reserve will lead to inflation going forward. Yet he thinks the odds of inflation increasing in the next year or two are miniscule. That’s because inflation spikes in the 1970’s and 1980’s were accompanied by a spike in labor costs, which we are not seeing currently. In four to six years from now though, inflation could be a worry, he added.



“The events of the last year have made the situation worse not better,” Keon said. “In the case of downstream inflation the problem is we have destroyed a lot of human capital over the last few years. New grads are not getting jobs and people in their fifties and sixties are losing valuable job skills. The crunch may come in the next few yrs.”



Meanwhile, many have been touting the benefits of investing in emerging markets because of their strong growth rate and demographics, but now the fear is that overinvestment has created a bubble. Keon predicts emerging markets will make a good investment because there is a surplus of labor and capital, which leads to ideas and innovation. “Emerging markets have the ability to take ideas already established in other countries and use them in their own way,” he said.



Another market whose end many have been predicting is the bond market, but Michael Collins, senior investment officer, credit strategies, for Prudential Fixed Income, says the bond market is “alive and well and here to stay.” “I am fairly optimistic on the bond market over the intermediate and long term,” he said on Tuesday. The reason: demographics. The 2010 census, which was recently released, said the population is growing at 1%. With half the population leaving the workforce, it will be difficult to sustain a strong economic recovery, he said, and bond yields are correlated with economic growth. In the meantime, as baby boomers get older they will be looking to protect their investments for retirement and begin shifting more to bonds. Another plus for the bond market, Collins said, is that the U.S. is the world’s bond market. “We see money coming in from China, Japan, and the Middle East. Other countries that have a lot of cash capital and need something to do with it give it to us because that’s where the opportunities are and to some extent that’s where the yield is.”

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Better Income Planning For Retirement Via A Diversified Portfolio

For a more fortified nest egg that will last you throughout retirement, you will find that a well-diversified portfolio will serve your retirement income planning efforts well. Much like the old eggs in a basket metaphor, you would not want to put all your money in one investment or one savings venue; market conditions, inflation rates, and other factors that could degrade you funds will not be forgiving. In a nutshell, putting your money in different savings accounts will allow you flexibility via various tax benefits, for example, while buying into various investment options will help offset any losses if your stocks or bonds undergo significant devaluation.



Financially speaking, it makes sense to put your eggs into different baskets (with different numbers of eggs in baskets of various sizes, depending on the physical and structural integrity of said container).

Related Coverage

• Retirement Income Planning With More Cash Flow In Your Portfolio



• Increasing Retirement Income And Checking Portfolio Risk



• How A Managed Forex Account Can Help Diversify Your Portfolio



• Planning Trumps Portfolio In Retirement

However, it is not as simple as randomly picking investments to buy into and sell off where the degree of investment diversification your portfolio has depends on your own personal and financial status, as well as your tolerance to risk (possibly influenced by how far or how close you are to actual retirement). There are also different variations and interpretations on the meaning of true portfolio diversification.



Basic Investment Diversification



Many experts and experienced investors believe that better income planning for retirement can be achieved by optimizing and lowering the overall risk of the stocks in your portfolio. For example, purchasing stocks from various industries and sectors is a sensible plan of action, as buying stocks wholly from one portion of the market could cause you to lose a substantial part of your money if that market were to go bust.

In this case, some may argue that an upshot in stock value could net you huge profits, but the risk may be too much even if the gains are taken into account. Despite certain regulations and safeguards implemented some years ago to diminish the chances of, The Crash ever occurring, having much money in one specific stock that devalues less than two digits could cause you to downsize your retirement lifestyle and not have enough to live on in your golden years.



However capable you think you are of taking solid investment hits, a diversified portfolio will always be welcome. Aside from helping protect your wealth by buffering against investment loss, having money in various investments could also mean bigger potential earnings; one of the main goals of proper income planning for retirement.

Article Source: http://business.ezinemark.com/better-income-planning-for-retirement-via-a-diversified-portfolio-31dae679ac4.html

Read more: http://business.ezinemark.com/better-income-planning-for-retirement-via-a-diversified-portfolio-31dae679ac4.html#ixzz1CdBDWZVB

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Start Planning Retirement Today So That You Can Profit Later On

Planning retirement is best done many years before yoŭ actually retire. Preferably, fifteen to twenty years before retirement. This will give you the foresight required to be able ţo lįve comfortably wħen you do actually retire. Many people don’t often realize aĺl of tħe little things ţhat will affect them financially in their future, not the least of which is what kind of lifestyle tħey wish tō live. For example, would you ĺike tō take ā vacation once a year, or twice? Tħis is just one simple question that, for a lot of people, they don’t know the answer to which means they’re not effectively saving their money for retirement.



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Social Security benefits vs. taxes

Retirement planning involves sacrificing a portion of what we earn today and investing that money in the hope that one day we'll have enough assets from which we can draw an income. But the Social Security and Medicare systems operate differently, taking a portion of earnings from today's workers to pay for the needs of today's retirees.



Just how much do we pay out in Social Security and Medicare taxes over a lifetime, compared to how much we receive in benefits? The answer depends on several variables, including gender, earnings, household configuration, the age at which we retire and our health. But generally, we receive far more in benefits than we pay into the system, according to new figures released by the Urban Institute.







Read more: Social Security benefits vs. taxes | Bankrate.com http://www.bankrate.com/financing/retirement/social-security-benefits-vs-taxes/#ixzz1CDH6n2v6

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Planning Early Retirement – Starting Young!

Irrespective of the age at which you are at or your ability to earn, early retirement planning is always highly advisable. We tend to get used to a typical life style that is likely to become unsustainable after retirement if we do not make adequate plans for the upkeep of the lifestyle. The basic motto to remember for retirement planning is that earlier we start the better it is for us.



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What a (Tax) Relief: Congress Temporarily Averts Huge Tax Increases After waiting until almost the last minute, Congress averted tax increases that would have affected taxpayers at all income levels and added some 15 million lower-income workers to the tax rolls.1 Had Congress not passed the 2010 Tax Relief Act (H.R. 4853), tax rates for income, capital gains, dividends, and estates would have reverted to higher pre-2001 levels in 2011. Rates for these taxes were reduced in 2001 and 2003 but were subject to a December 31, 2010, expiration date because of the political climate at the time. The new law pushes their expiration dates to December 31, 2012. Despite the uncertainty created by yet another temporary tax law, there are many encouraging provisions that result in some of the most favorable tax conditions Americans have seen in a generation. What’s New and What’s Not? One-year payroll tax cut. Employees may notice slightly more take-home pay in 2011 because the employee’s share of the Social Security payroll tax has been temporarily reduced from 6.2% to 4.2% of income (on up to $106,800 in taxable wages). The employer’s share (6.2% of an employee’s pay) did not change. For the self-employed, the Social Security payroll tax has been reduced from 12.4% to 10.4%. Estate tax revival. Although the federal estate tax is back after being repealed in 2010 (for one year only), the new parameters are more generous than those that had been scheduled for 2011 (a $1 million exemption and a 55% top tax rate). For individuals who leave behind an estate before December 31, 2012, assets in excess of a $5 million applicable exemption will be subject to a top rate of 35%. Married couples who take the appropriate steps may be able to pass up to $10 million tax-free to their heirs. The new law also brings back the stepped-up basis rules, which allow heirs to calculate their basis in an asset according to its value on the date of inheritance. Heirs who inherited assets in 2010 can elect to use the modified carryover basis rules that were in place for that year (meaning they must calculate capital gains using the decedent’s basis) or they can apply the new $5 million exemption and 35% top rate and use the stepped-up basis rules. Gift tax reunified with the estate tax. Gifts in excess of the donor’s $5 million lifetime exemption are subject to a maximum 35% rate. Itemized deductions for high incomes. The repeal of the so-called Pease limitation, which reduces the use of certain deductions for taxpayers with incomes in excess of certain levels, has been extended through 2012. No phaseout of the personal exemption. High-income taxpayers will be allowed to claim the full personal exemption through 2012. Prior to 2010, the exemption was phased out for taxpayers with incomes in excess of certain thresholds. Two more years of AMT relief. Middle-income taxpayers may be able to avoid the alternative minimum tax for at least two more years. The AMT was crafted in 1970 to keep wealthy taxpayers from using exemptions and deductions to avoid income taxes, but it has started to affect less affluent taxpayers because the limits aren’t indexed to inflation. The new exemption amounts for 2010 and 2011 are $47,450 and $48,450, respectively, for single filers ($72,450 and $74,450, respectively, for married taxpayers filing jointly). Capital gains and dividends. Long-term capital gains and qualifying dividends will continue to be taxed at a 0% rate for individuals in the 10% and 15% income tax brackets and at a maximum 15% rate for other taxpayers. After 2012, long-term capital gains will be taxed at a maximum 20% rate and dividends will be taxed as ordinary income. Income taxes. The 2010 Tax Relief Act includes a two-year extension of the income tax rates that have been in effect since 2003. These are the 2011 income limits:2 These are just the highlights. Several other provisions have been extended. Before you take any action, consult your tax advisor for information about your situation. 1) The Wall Street Journal, December 17, 2010 2) CCH, 2010 (Income limits are projected. Actual limits may vary.) The information in this article is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald. © 2011 Emerald Connect, Inc.

Beacon Retirement Planning Group, financial planning, San Diego, Carlsbad, Southern California

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6005 HIdden Valley Dr. Suite 220

•

Carlsbad, CA

•

92011

Phone: 866-800-7789

•

Fax: 760-692-0775

www.brpg-inc.com

•

kcarter@brpg-inc.com

Beacon Retirement Planning Group, Inc.

6005 Hidden Valley Rd. Suite 220



Carlsbad, Ca. 92011



Toll Free: 1-866-800-7789

Ca Ins. License # 0E89558

Privacy Policy

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Socially Responsible Investing: Handle with Care Weigh Personal Fundamentals Against Socially Conscious Aims It seems as though everywhere you look, things are turning green. Terms like sustainable, environmentally friendly, and socially responsiblehave entered the national consciousness and are forming the basis for a growing number of personal investment decisions. For example, more than $1 out of every $10 under professional management in the United States is invested according to socially screened criteria.1 To be sure, many investment opportunities may appeal to your desire to do something socially responsible with your portfolio. And if you’re interested in steering your money toward a particular cause or away from organizations or practices that you disapprove of, that’s great. However, it’s also important not to allow this desire to outweigh the other factors that must be considered when making investment decisions. Is It a Good Fit? Investments that meet socially responsible criteria can be a positive addition to your portfolio as long as they are appropriate for your situation. For example, alternative energy is still a fairly young industry; many of the key players are start-ups that may not have a solid earnings record — or any significant earnings at all. These types of investments are generally more appropriate for investors with a high risk tolerance. Like all investments, socially responsible investments entail risk, could lose money, and may underperform similar investments not constrained by socially conscious criteria. It’s important to consider your time horizon, net worth, and whether the potential return is worth the extra risk. What Is It? Billionaire Warren Buffett famously said that he invests only in companies that he understands. The universe of socially responsible investment opportunities is diverse, so it’s important to understand what companies are available and what their objectives are. Most socially responsible investments fall into one of these popular categories. Green investments are associated with companies that develop products and services to help protect or improve the environment. Faith-based investments tend to avoid companies with products, services, or practices that violate certain core beliefs or religious principles. Rather, they seek out companies that are more closely aligned with certain moral or ethical standards. Community investing is focused on making loans and capital available to underprivileged communities for affordable housing, child and health care, and business start-ups. If you are interested in socially conscious investing, we can help make sure that your decisions are based not only on your beliefs but on sound investment principles as well. 1) Social Investment Forum Foundation, 2009 The information in this article is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald. © 2010 Emerald.

Beacon Retirement Planning Group, financial planning, San Diego, Carlsbad, Southern California

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6005 HIdden Valley Dr. Suite 220

•

Carlsbad, CA

•

92011

Phone: 866-800-7789

•

Fax: 760-692-0775

www.brpg-inc.com

•

kcarter@brpg-inc.com

Beacon Retirement Planning Group, Inc.

6005 Hidden Valley Rd. Suite 220



Carlsbad, Ca. 92011



Toll Free: 1-866-800-7789

Ca Ins. License # 0E89558

Privacy Policy

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What You Don’t Know About Life Insurance Many of us are conditioned to believe that a family only needs to own life insurance on a primary breadwinner. This could explain why men tend to own more life insurance, on average, than women (although men and women both tend to be underinsured).1 The common perception is that life insurance is primarily needed to help protect young families in the event that a major wage earner dies before the children are grown. The reality is that far more people either need or could benefit from owning the appropriate life insurance policy. Here are some uses for life insurance that you may never have considered. To help replace both the income and the nonfinancial resources provided by a household member other than the primary breadwinner. Many households overlook the need to protect against the loss of a family member whose primary contribution to the household may not necessarily be money but unpaid work that helps support the primary breadwinner’s ability to earn money. For example, consider a family in which one spouse works and the other spouse cares for small children and oversees other household responsibilities. If something were to happen to the stay-at-home spouse, the surviving earner might find it difficult to keep working and provide care for the children. The cost of child care or an in-home worker to help take care of the kids could be substantial, and if the surviving spouse is unable to meet them, he or she could be forced into working less, saving less for retirement and college, and/or adopting a lower standard of living. To cover a mortgage, final expenses, taxes, and debts. People who have no dependents or a spouse often believe that they don’t need life insurance. But one of the primary reasons to own life insurance is to pay bills and other expenses that would otherwise be borne by someone else, such as parents, other family members, or any heirs. Life insurance can help pay debts, medical bills, funeral and burial expenses, and probate costs, as well as help increase the size of the decedent’s legacy. To leave a legacy. A life insurance policy can help turn a modest financial gift into a large legacy. In some cases it may make more sense to use money that was earmarked for a charity, family member, or friend and instead use it to buy a life insurance policy with the charity or heir named as beneficiary. As long as the donor can keep the policy in force, the amount of the death benefit may be far greater than the cost of the premiums. To help generate income. Policyholders may borrow against the accumulated cash value of a permanent life insurance policy for any number of uses, such as supplementing retirement income, paying off a mortgage, or sending family members to college. Access to cash value is through withdrawals or loans. Policy loans do not have to be repaid, but they reduce the cash value and death benefit by the amount of any outstanding loan balance plus interest. One additional benefit: withdrawals and loans are not subject to income taxes. The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. There are other ways that life insurance can help benefit you and your beneficiaries. We can help you evaluate the role that life insurance could play in your overall financial situation. 1) Employee Benefit News, September 23, 2009 The information in this article is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald. © 2010 Emerald.

Beacon Retirement Planning Group, financial planning, San Diego, Carlsbad, Southern California

print this page

6005 HIdden Valley Dr. Suite 220

•

Carlsbad, CA

•

92011

Phone: 866-800-7789

•

Fax: 760-692-0775

www.brpg-inc.com

•

kcarter@brpg-inc.com

Beacon Retirement Planning Group, Inc.

6005 Hidden Valley Rd. Suite 220



Carlsbad, Ca. 92011



Toll Free: 1-866-800-7789

Ca Ins. License # 0E89558

Privacy Policy

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An Estate is a Terrible Thing to Waste

If you have a current will, consider yourself ahead of most Americans when it comes to estate planning. In fact, a recent survey found that an alarming 70% of Americans don’t have this most basic estate conservation document.¹

With a will, you can direct the probate courts that oversee the distribution of your estate. You can also name legal guardians for minor children and their inherited assets.
A will is certainly the best place to start. However, the goal of any estate strategy should be a smooth transfer of wealth to your heirs, and it may take more than simply having a current will.

Powers of Attorney

Powers of attorney are used to designate someone to make financial and/or medical decisions on your behalf. Powers of attorney can be specific, designating your agent to act for you only in certain circumstances, or they can be general, giving your agent the authority to make any and all decisions on your behalf. You may want to create separate powers of attorney for finances and medical care.

Beneficiary Designations

It’s a good idea to make sure that the beneficiary designation forms for your retirement plans and life insurance policies are properly completed and accurate. Retirement plan assets and life insurance proceeds are generally exempt from the probate process and transfer directly to the designated beneficiaries.

Trusts

A trust is a separate legal entity that holds your assets and distributes them according to your wishes. Some trusts can help reduce estate taxes or place conditions on heirs who inherit your property. Others can be used to make charitable donations, to provide for family members with special needs, and to help prevent posthumous challenges from disgruntled parties.
The use of trusts can involve a complex web of tax rules and regulations. You should consider the counsel of an experienced estate planning professional before implementing such strategies.
Even a comprehensive estate strategy may be of limited use if it is out of date. You can help ensure the effectiveness of your strategy by periodically reviewing your will, powers of attorney, and beneficiary designation forms to verify that they are current.

1) LegalZoom.com, 2010

The information in this article is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald. © 2010 Emerald.

Beacon Retirement Planning Group, financial planning, San Diego, Carlsbad, Southern California

print this page

6005 HIdden Valley Dr. Suite 220

•

Carlsbad, CA

•

92011

Phone: 866-800-7789

•

Fax: 760-692-0775

www.brpg-inc.com

•

kcarter@brpg-inc.com

Beacon Retirement Planning Group, Inc.

6005 Hidden Valley Rd. Suite 220
Carlsbad, Ca. 92011
Toll Free: 1-866-800-7789

Ca Ins. License # 0E89558

Privacy Policy

Ranking domestic large-cap stocks

Don’t Forget the World If you had to rank domestic large-cap stocks, corporate bonds, 30-day Treasury bills, and global stocks according to their risk levels, which one would you say carries the greatest risks? Given the perilous state of the world economy during the past several months, most people would probably say global stocks. If you had to rank these same asset classes according to performance, which would you say was the top performer? Over the past 40 years, it was global stocks, despite losing an incredible 43% of their value in 2008 (see graph). Over the long term, global stocks and the S&P 500 have experienced comparable gains, but in any given year they may turn in disparate performances. If your portfolio doesn’t include some global equities, it might be missing a key dimension. Global investing carries significant risks that are not to be taken lightly, so it is not appropriate for everyone. It’s a good idea to consider whether you are comfortable with the risks before you pursue the potential rewards. Globalization vs. Political Instability Developments in technology and trade agreements have opened new markets and opportunities for the world’s economies, whether they are emerging or already industrialized. However, not all nations are able to enforce contract and property rights to the same degree that has made the United States such a great place to invest. A decision to invest in another country must begin with an understanding of the political and economic forces at work in the region. Diversification vs. Currency Fluctuations The dollar has a record of stability that is hard to match, but its recent weakness is a reminder that dollar-denominated investments can be risky, too. Investing abroad offers the opportunity to help manage these risks by spreading them across multiple economies and currencies. However, currency fluctuations also pose risks. If an investor’s domestic currency is strong against a foreign currency, the investor may be able to gain purchasing power when exchanging to the weaker currency. But if the foreign currency continues to weaken, any investment gains and the principal may lose value when exchanged back into the domestic currency. Staying abreast of the forces that influence a particular currency’s value is essential to successful global investing. Stellar Potential vs. Financial Reporting The greatest return potential is frequently associated with the greatest risks. This is true whether you are talking about a start-up company or a fledgling economy. Because the U.S. economy is mature, its accounting standards are among the most rigorous in the world. Growing economies are often marked by lax accounting standards, which can make it more complicated to perform the due diligence that is essential to finding sound investment opportunities. The risks of global investing are numerous, but so are the potential opportunities. A decision to pursue foreign investment opportunities should begin with a thorough examination of your risk tolerance. The information in this article is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald. © 2010 Emerald.

Beacon Retirement Planning Group, financial planning, San Diego, Carlsbad, Southern California

print this page

6005 HIdden Valley Dr. Suite 220

•

Carlsbad, CA

•

92011

Phone: 866-800-7789

•

Fax: 760-692-0775

www.brpg-inc.com

•

kcarter@brpg-inc.com

Beacon Retirement Planning Group, Inc.

6005 Hidden Valley Rd. Suite 220

Carlsbad, Ca. 92011

Toll Free: 1-866-800-7789

Ca Ins. License # 0E89558

Privacy Policy