Welcome to Beacon Financial Pathways We help individuals, families, and businesses navigate complex financial challenges with a strategic, personalized approach. From Social Security optimization to legal succession planning, our expert team ensures you make informed, financially sound decisions.
We understand that every financial journey is unique, and we're here to be your trusted partner in navigating the path to prosperity.
Our Story
Beacon Financial Pathways was founded on the principle of responsible financial stewardship. Our mission is to guide individuals and businesses through financial decisions that lead to long-term security and prosperity.
Our Team & Credentials
Frank Garcia – Financial Planning & Social Security Optimization Expert (LUTCF, RSSA, CSA)
Darren Veracruz – Estate, Probate & Succession Planning; Retirement and Financial Planning Specialist (FINRA Series 65)
Alan Bates – Principal, Hamilton Bates Investment Research, a Registered Investment Advisor.
Our Network Includes:
• CPAs & Tax Attorneys
• Business Brokers & Risk Advisors
• Family Law & Real Estate Experts
Key Statistics:
- Only around 40% of workers feel confident that they’ve saved enough to maintain their lifestyle once they retire.
- 67% of retirees rely on Social Security for income.
- Poor claiming decisions can cost over $110,000 in lost lifetime benefits.
- As many as 60–70% of small business owners do not have a formal succession plan. Without a clear roadmap for transitioning leadership, these businesses face greater risks of financial instability and operational disruption.
Whether it’s the heavy reliance on Social Security without adequate supplementary savings, the significant impact of timing in benefit claims, or the widespread lack of formal planning both in personal finances and business succession, the data points to a need for better financial literacy and more proactive planning.
Our expert advisors work closely with you to create a customized roadmap tailored to your unique goals and aspirations.
Our services
Embark on a journey towards financial security with our comprehensive financial planning services.
Social Security Optimization
• Personalized Social Security claiming strategies
• Analysis of lifetime benefits
• Tax-efficient withdrawal planning
Legal & Succession Planning
- Small
business succession strategies
- Estate
& legacy protection
- Asset
protection planning
Comprehensive Financial Planning
- Risk
management & insurance solutions
- Retirement
income strategies
- Investment
planning
What Sets Us Apart
- Holistic Integration: Combining Social Security, legal, and financial strategies
- Expert Network: Access to specialists in law, tax, and business finance
- Personalized Roadmaps: Tailored financial plans for your unique needs
- Education & Transparency: Clear, data-backed guidance
Our approach is highly personalized
We prioritize transparency in our interactions
Relevant and up-to-date financial advice
Beacon has completely transformed the way I approach my financial future. I was unsure about when to claim Social Security and how to optimize my retirement income, but their expert guidance gave me a clear roadmap. Thanks to their personalized strategies, I now feel confident and secure in my financial decisions. Their team truly cares about their clients and goes above and beyond to ensure success. I highly recommend them to anyone looking for a trusted financial partner!
Emily P.
Comprehensive Financial PLANNING
It has been months since we first met with Frank and his team, and they made the transitions of our investments super easy. We couldn’t be happier
Sarah C.
Retirement Planning
Planning for the future of my business and my family was overwhelming until I partnered with Beacon Advisors. Darren and Frank helped me create a comprehensive succession plan that ensures my company will continue to thrive for generations to come. Their expertise in estate planning and asset protection gave me peace of mind knowing that my legacy is secure. I couldn’t have asked for a more knowledgeable and caring team to guide me through this process
George M.
LEGACY AND SUCCESSION PLANNING
The depth of expertise and knowledge available is beyond helpful. And if I ever have a question, I know Frank is only a phone call away.