WELCOME

Beacon Financial Services
(Beacon FS Ltd.) is a New York based corporation that specializes in providing Financial Consulting and Investment Management Services to both individual and Institutional clients as well as providing employee benefit plan services to businesses and their employees.
Beacon F.S. Ltd. is incorporated in New York State. It is wholly owned by Daniel P. Barbiero, CFP®, AIFA®, and Thomas Eschmann CFP®, AIF®, REBC.
 
We view our client relationships as partnerships.  Our Investment Advisory Services provides ongoing professional advice to investors while helping them to meet their individual investment objectives.
 
Our Employee Benefits Consultants work closely with our clients’ company HR departments to implement solutions to their Employee Benefit Plan needs wherever and whenever the need exists.
 
The recent focus on corporate benefits including retirement plans and mutual funds have caused more attention to be paid to ERISA and to fiduciary practices.  Beacon has taken action to provide our clientele with the tools necessary to define and implement fiduciary best practices to help protect against liability arising out of neglect of proper procedure and implementation.
 
We look forward to serving you,
 
Sincerely,
Daniel P. Barbiero
Thomas Eschmann
Calculators

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

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Newsletters

New Opportunity Under the Federal Gift Tax

The 2010 Tax Relief Act raised the lifetime gift-tax exclusion to $5 million. This means it could be a good time to make the most of tax-free gift transfers. If so, it's important to understand the annual and lifetime gift exemption limits, as well as which gifts might not be subject to them.

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

Tax Changes for 2012

Mandatory annual inflation adjustments generally affect federal income tax brackets, retirement plan contribution limits, and estate tax exemption levels. Here are some of the major changes that could affect readers in 2012, with a table showing 2012 income thresholds for the six federal income tax brackets.

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