Beacon Financial Planning

05/21/2026

Retirement in Cache Valley is about more than money.

It’s about confidence.
Peace of mind.
And knowing your savings can support the life you want to live.

We just published a new article:
**“Retiring in Cache Valley: What You Need to Know”**

Inside we cover:
• Retirement taxes in Utah
• Common retirement mistakes
• Market uncertainty
• What financially confident retirees do differently

Read the full article here: https://www.beaconplanning.com/retiring-in-cache-valley/

Thinking about retirement in Cache Valley? Learn the biggest financial, tax, and retirement planning mistakes many Utah retirees overlook.

05/06/2026

A lot of companies are freezing or changing pension plans right now, and many employees are being forced to make a major retirement decision sooner than expected.

Should you take the lump sum or keep the lifetime pension?

What we’re finding is that the “better” option often depends on much more than the pension itself.

This decision can impact:
• Taxes
• Investment strategy
• Retirement income
• Social Security
• Long-term flexibility

We’ve seen situations where the pension clearly made more sense… and others where the lump sum created better long-term outcomes.

That’s why two people with the exact same pension offer can end up with completely different “right” answers.

We put together a real-world breakdown showing when each option may make more sense, and why analyzing the decision within the context of your broader financial plan matters so much.

Read the full article here:

Not sure whether to take a pension or lump sum? See real-world examples of when each option makes sense and how to evaluate your situation.

05/06/2026

Retirement decisions are rarely just about investments. We help clients think through taxes, income, pensions, Social Security, and the tradeoffs that shape long-term financial security.

04/01/2026

A lot of people heading into retirement feel this:
“I’ve saved well… but I’m not totally sure how to turn it into income.”

That’s completely normal.

Because retirement isn’t just about having money, it’s about making a series of decisions:
• When to take Social Security
• Which accounts to draw from first
• How to manage taxes year by year

And those decisions matter more than most people expect.

Clarity here can make a meaningful difference over time.