Beacon Capital Disclosure

Beacon Capital Management, LLC “(Beacon Capital”), is an independent financial services firm helping our clients to create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Insurance products and services are offered through Beacon Insurance and Health, LLC (“Beacon Insurance”), an affiliate of Beacon Capital. The value of your investment(s) will fluctuate, and you may gain or lose money.

The information contained in this material is given for informational purposes only, and no statement contained herein shall constitute tax, legal or investment advice. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. You should seek advice on legal and tax questions from an independent attorney or tax advisor. Beacon Capital is not affiliated with the U.S. government or any governmental agency. Please note that we are unable to accept any trade requests via email, voice message or text.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

Investing involves risk. Past performance is not a guarantee or indicative of future returns. The value of your investment(s) will fluctuate, and you may gain or lose money. Beacon Capital is not affiliated with Brown and Maguire CPAs LLC, or Knight Legal.

General Disclosures

This website (“Site“) is operated and maintained by Beacon Capital. Nothing on this Site should be construed as a solicitation or offer, or recommendation, to buy or sell any security. Advisory services are offered for a fee by Beacon Capital Advisors Corporation. Beacon Capital is a registered investment advisor with the Securities and Exchange Commission (the “SEC”). SEC registration does not imply a certain level of skill or training. Financial advisory services are only provided to investors who become Beacon Capital clients (“Clients“) pursuant to a written Investment Management Agreement, which investors are urged to read and carefully consider in determining whether such an agreement is suitable for their individual facts and circumstances. Investing involves risk. Past performance is not a guarantee or indicative of future returns. The value of your investment will fluctuate, and you may gain or lose money. All charts, figures, and graphs are for illustrative purposes only. There can be no assurance that a hypothetical, or actual performance shown on the Site, will lead to the expected results shown or perform in any predictable manner.

Blog & Third Party Disclosures

Beacon Capital’s blog on this Site is for informational purposes only and does not constitute a recommendation to buy or sell securities. You should not rely on this information as the primary basis of your investment, financial, or tax planning decisions. You should consult your legal or tax professional regarding your specific situation. Certain sections of this commentary may contain forward-looking statements that are based on our reasonable expectations, estimates, projections, and assumptions. Forward-looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict.

This Site may contain links to other third-party websites, including links to the websites of companies that provide related information, products, and services. These external links are provided solely for the convenience of visitors to this Site, and the inclusion of such links does not necessarily imply an affiliation, sponsorship, or endorsement of those links. Beacon Capital does not endorse, approve, certify, or control these external Internet addresses and cannot guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. The performance and composite information shown on this Site uses or includes information obtained from third-party sources. Third-party data is obtained from sources believed to be reliable but Beacon Capital cannot guarantee the accuracy, timeliness, completeness, or fitness of any third-party data.

Investment Checkup Disclosures

The Investment Checkup is intended to provide insight based on the accounts you have aggregated on the Beacon Capital dashboard and other information you have provided. Because there is no way to know all information about your finances or your personal situation, comments or analyses may be incomplete or inaccurate. All insight provided represents a courtesy extended to you for educational purpose and you should not rely on this information as the primary basis of your investment, financial, or tax planning decisions. You should consult your legal or tax professional regarding your specific situation.

Comparative analysis, including Monte Carlo analysis, is intended to illustrate hypothetical performance of various allocation strategies based on a long-term historical asset class performance and is not meant to imply actual performance or results.

Much of the analysis does not include taxes or fees, which can have a material impact. It is not possible to invest directly in an index without incurring expenses, which will lower the actual return.

Investment Checkup includes content supplied by companies that are not affiliated with Beacon Capital.

Retirement Fee Analyzer Calculations Disclosure

There are many elements to retirement fees, some are more clearly disclosed than others. The key components to the costs associated with retirement accounts are:

  1. The fees for the funds that you are invested in. These are indicated in the expense ratio column and are based on the fees as disclosed by the fund providers.
  2. Plan administrative and advice fees. These are the fees that are passed on to you from the plan administrator and cover record keeping and advice. They can range from 0% in very large plans, to over 1% in plans for smaller companies. We provide a slider that you can move to represent the fees charged by your plan administrator. You can change this number to match your plan administrative and advice fee. For 401k’s, this data should be available in the recently required disclosure statement or from your company’s benefits administrator.
  3. Unpublished fund fee data. Specialty funds sometimes charge fees that can range from 0.5% to over 3% and are not plainly disclosed. For 401k’s, this data should be available in the recently required 401k disclosures statement and on your plan administrator’s website.

We use your current age and selected investment account balances as a starting point for estimating the impact of fees on your retirement goals. We factor in the typical retirement age, expected future contributions (employee and employer), an estimate of inflation and return on investment based on historical trends, matching or supplemental contributions from your company and spouse, and lastly fund, administrative and advice fees, some of which are based on specific funds you currently own in your account(s). From this data we calculate your estimated total retirement contributions, earnings, and the effect of fees on your total return over time and present this information graphically so you can easily see what you would have in retirement before and after fees. The information provided is for informational purposes only and is based on certain assumptions and historical data. No guarantee is made with respect to performance. You may wish to seek the advice of a professional in planning your retirement.

Retirement Planner Disclosures

The calculations in the Retirement Planner are based solely on information provided by the user, data based on the accounts that users have aggregated on the Beacon Capital dashboard, historical market returns, and the assumptions shown or selected. Because there is no way to know all information about your finances or your personal situation, analysis may be incomplete or inaccurate. All insight provided represents a courtesy extended to you for illustrative purposes only and you should not rely on this information as the primary basis of your investment, financial, or tax planning decisions. No representations, warranties, or guarantees are made as to the accuracy of any estimates or calculations. Beacon Capital is not liable for any damages or costs of any type arising out of or in any way connected with your use of this calculator. The information provided in Retirement Planner does not serve, either directly or indirectly, as legal, financial, or tax advice and you should always consult a qualified professional legal, financial, and tax advisor for your specific situation.

Fee and Account Disclosures

Recommendations and fees may vary for each Client. Advisory fees are calculated based upon the amount of assets being managed (as detailed further in Beacon Capital’s Form ADV Part 2A).

Beacon Capital does not make any representations regarding the execution quality of orders placed with our brokerage partner. However, Beacon Capital does monitor the execution quality of transactions to ensure that Clients receive the best overall trade execution pursuant to regulatory requirements.

Tax Disclosures

Beacon Capital does not represent in any manner that the tax consequences described herein will be achieved or that Beacon Capital’s activities in managing a clients investments will result in any particular tax consequence. The tax consequences that Beacon Capital may pursue are complex and uncertain and may be challenged by the Internal Revenue Services (“IRS”). The information with regard to this activity was not prepared to be used, and it cannot be used, by any Client to avoid penalties or interest.

Clients should confer with their personal tax advisors regarding the tax consequences of investing with Beacon Capital, based on their particular circumstances. Clients and their personal tax advisors are responsible for how the transactions conducted in an account are reported to the IRS or any other taxing authority on the Client’s personal tax returns. Beacon Capital assumes no responsibility for the tax consequences to any Client of any transaction. We are not tax professionals. Clients should consult qualified legal or tax professionals, such as tax attorneys or CPAs, regarding their specific situation.

Trademarks

Beacon Capital, the Beacon Capital logo, and other marks are registered trademarks and service marks of Beacon Capital. Other third-party marks displayed are trademarks of their respective owners, and the use of such trademarks does not imply an association with those third-parties or an endorsement of any third-party goods or services.

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