Welcome Back from Beacon

Melissa Kolcz |

As we look forward to the final quarter of 2021, we’re feeling optimistic about many things. The anticipation of crisp fall weather and holidays spent with family on the horizon. We are so grateful that we have been able to see many of our clients in person again. Welcome back!

"Life starts all over again when it gets crisp in the fall." - F. Scott Fitzgerald

In January 2021, the Beacon team welcomed our newest CERTIFIED FINANCIAL PLANNER™, Beth Opishinski. Beth recently moved to Cape Cod and brings along with her over 30 years of experience in wealth management. A nurturer by nature, Beth believes that life is about choices and views her role as that of a teacher educating clients and empowering them to make sound, well-informed decisions.

Beth volunteers as a financial coach for cancer patients at Dana Farber as well as participating in her local high school’s Credit for Life Fair where she “speed teaches” students about the value of saving early. Beth recently joined the Board of Directors for the Cape & Islands United Way and looks forward to giving back to the Cape community.


Medicare Open Enrollment takes place every year from 10/15 - 12/7. Medicare enrollment can seem daunting and overwhelming but the Beacon team is here as your trusted partner to guide you through the process. Health care is an integral part of your financial plan so we want to make sure you are picking a plan that is in your best interest.

Click here to read our tips on how to prepare for Medicare Enrollment


The one-two punch of the Delta variant and vaccine hesitancy certainly delayed a more robust return to the normal rhythms of pre-pandemic life and current ongoing negotiations in Washington over the proposed infrastructure bill and our nation’s debt ceiling adds to greater short-term volatility in the markets. All of this considered, the S&P 500 eked out a sixth consecutive quarterly gain and four additional new all-time highs in Q3.

In addition to the pressure points listed above, there is tax legislation being lobbied as well as continued supply chain issues and subsequent inflation concerns to contend with, but the main point here is that there have always been reasons to be optimistic or pessimistic about how the markets will react, and articles that expound theories that we are overdue for a market correction or pullback – we refer to that as noise, not news – but the only thing we can know for sure is that the markets have always eventually reached new highs over the long term, through the Great Depression, through two world wars and many global skirmishes, through Presidential impeachments, political uncertainty, double-digit inflation and the most serious global pandemic in a hundred years. None of us know what's coming next in the short term, but we do know that every day, as millions of people put their efforts into their respective companies, the economy and its component corporations incrementally gain value – slowly, steadily, and with a persistent trajectory that is easy to overlook during the temporary up and down swings in the stock market indices. So, when in doubt, zoom out…

As always, we are here to talk through any questions or concerns you may have. Thank you for your continued trust.

With gratitude,

Your Team at Beacon Financial Planning