Frank Garcia RSSA

Frank Garcia, LUTCF, RSSA, CSA

A seasoned financial professional with a deep understanding of insurance, retirement income planning, and Social Security analysis. Frank brings decades of experience helping clients navigate the complexities of retirement planning and wealth protection strategies.
Frank Garcia, LUTCF, CSA, RSSA®
Founder, Beacon Financial Pathways
A seasoned financial professional with deep expertise in insurance, retirement income planning, and Social Security analysis, Frank brings over 40 years of experience helping clients navigate the complexities of retirement planning and wealth protection. Since founding InsuranceKO in 1996, he has built a reputation for clarity, integrity, and putting people first.

Through Beacon Financial Pathways, Frank leads a team that takes a whole-life planning approach — coordinating financial strategy, tax planning, legal review, and business valuation under one roof. This integrated model solves a problem Frank witnessed for decades: good people getting fragmented advice that left dangerous gaps in their plans.

Frank specializes in:

Business Valuation & Exit Planning — helping owners understand what their company is worth and prepare for a successful transition
Entity Structure Review — evaluating whether a client's C-Corp, S-Corp, or LLC still aligns with their tax and succession goals

Tax-Smart Retirement Planning — designing income strategies that minimize lifetime tax exposure

Social Security Optimization — running personalized claiming analyses as a Registered Social Security Analyst (RSSA®)

Insurance & Risk Protection — reviewing existing coverage to ensure it still serves the client's purpose

At Beacon, Frank believes financial planning isn't just about wealth accumulation — it's about faithful stewardship and building a lasting legacy. The firm's name comes from Matthew 5:14: "You are the light of the world. A city set on a hill cannot be hidden."
Contact: (714) 224-4100 | frank@bcnfp.com | www.bcnfp.com