Most people spend decades building their savings.

But very few have a clear plan for how to actually use it.

When retirement begins, your financial life shifts in one important way:
your portfolio has to become your paycheck.

And that’s where things get more complex than most people expect.
In this video, we walk through the key retirement income decisions that shape:
• How much you can safely withdraw
• Which accounts to draw from first
• How taxes affect your income
• When Social Security fits into the picture

Because retirement income isn’t just about a withdrawal rate.

It’s about coordination.

The early decisions you make can influence everything that follows, and many of them are harder to adjust later than people realize.

If you’re within a few years of retirement, or recently retired, this is often the point where having a structured plan and a second set of eyes can make a meaningful difference.


Sid Misra, Certified Financial Planner™
Beacon Financial Group

#retirementincome #retirementplanning #retirementwithdrawals #financialplanning #taxplanning #socialsecurity #retirementstrategy #401k #IRA #RothIRA #medicare #wealthmanagement
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I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

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To learn more about me, please visit my website: https://www.sidmisra.net/

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Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

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I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: / sid-misra

Every fall, millions of people rush through open enrollment, clicking “keep last year’s choices” without realizing how much it can cost them.

In this episode, I break down how to approach open enrollment strategically so your benefits actually support your life and financial goals. Whether it’s choosing between an HSA or FSA, reviewing health plan options, or making sure you’re not leaving money on the table, this guide will help you make smarter decisions this year.

Open enrollment is more than just HR paperwork—it’s a chance to align your benefits with your financial plan.


Sid Misra, Certified Financial Planner™
Beacon Financial Group

'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

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To learn more about me, please visit my website: https://www.sidmisra.net/

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Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

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I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

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Gautam Misra
Beacon Financial Group

Thinking about buying a home? Wondering if you need an estate plan? In this episode, I sit down with Ruma Mazumdar, Esq, founder of Key Esquire®, to demystify the legal side of real estate transactions and estate planning.

We break down:
✅ What a real estate attorney actually does in NJ
✅ Why attorney review is essential—and not just a formality
✅ Common real estate contract traps (and how to avoid them)
✅ Estate planning basics: wills, trusts, powers of attorney
✅ What happens if you don’t have an estate plan
✅ Why title insurance matters—even when buying from family
✅ How to protect your home and legacy for the next generation

Whether you're a first-time homebuyer, a real estate investor, or want to protect your family’s future, this interview is packed with legal and financial insights you need to hear.

📍 Ruma is a licensed attorney in New Jersey and New York, and she brings a modern, client-focused approach to law that empowers homeowners, couples, and professionals to make confident decisions.

👉 Learn more about Ruma Mazumdar and Key Esquire®:
🌐 Website: https://www.keyesquire.com
📸 Instagram: @keyesquire

Sid Misra, Certified Financial Planner™
Beacon Financial Group

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

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Listen to the MPowered Finance Podcast: https://mpoweredfinance.buzzsprout.com/

Gautam Misra
Beacon Financial Group