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

Protect Your Business with a Disaster Readiness Plan

Most people think of hurricanes, tornados, and earthquakes as events that could seriously affect the operations of a business and result in shortages of goods and materials. But even a fire or a flood in the warehouse can cause operations to come to a grinding halt. By one estimate, one-quarter of businesses never reopen after a major calamity.

HOT TOPIC: How to Make the Most of the Payroll Tax Cut

Have you considered what you will do with the extra 2% in take-home pay that you will receive in 2011? An extra 2% might not seem like much, but it could be an opportunity to make a difference in your financial future.

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.

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

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