Beacon Financial NYSFOP Member Benefits and Services

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1 NYSFOP Membership Has Its Benefits Beacon Financial NYSFOP Member Benefits and Services NYSFOP Members Benefit Package

2 The NYSFOP and Beacon Financial - Your Membership Benefits Partners The New York State Fraternal Order of Police and Beacon Financial The New York State Fraternal Order of Police (NYSFOP) and Beacon Financial (BF) are pleased to offer exclusive insurance, financial and discount voluntary benefits to members of the NYSFOP. Negotiating with member needs in mind, Beacon Financial is able to secure benefit plans and products for NYSFOP members at group rates that would otherwise be cost prohibitive if accessed on an individual basis. From financial planning opportunities to insurance solutions, the comprehensive benefits package for NYSFOP active and associate members is designed to help law enforcement professionals and their families fill the gaps towards financial peace and security, now and into the future. Regardless of your status; retired or active or your membership type; member or associate member, you are eligible to take advantage of these benefits. The benefits offered have been negotiated on behalf of the NYSFOP, securing rates and services for all members. The NYSFOP & Beacon Financial Member Services & Benefits Financial Consultation Financial Literacy Financial Planning Life Insurance Long Term Care Insurance Critical Illness Insurance Accident Insurance Health Insurance Dental Insurance Vision Insurance Prescription Discounts Cash Back Online Retail Shopping Partners for Success!

3 MEMBER BENEFITS AT-A-GLANCE Benefits At-a-Glance Membership with the New York State Fraternal Order of Police (NYSFOP) provides access to an array of benefits and services that can help bring peace of mind to you and your family. Beacon Financial has negotiated benefits, services and rates, for the NYSFOP, understanding the needs of law enforcement professionals both active and retired. Financial Services: Financial Planning Investment Planning Retirement Planning Special Needs Planning Estate Planning Tax Planning Education Planning Protection Planning Wills and Trusts Voluntary Benefits: Life Insurance Long Term Care Insurance Critical Illness Insurance Accident Insurance Health Insurance Dental Insurance Vision Insurance Prescription Discounts Cash Back Online Retail Shopping Beacon Financial provides the NYSFOP, COMPLIMENTARY FINANCIAL PLANNING SEMINARS at your lodge or precinct. Beacon Financial offers COMPLIMENTARY FINANCIAL and RETIREMENT CONSULTATIONS to all NYSFOP members!

4 FINANCIAL PLANNING Financial Planning Managing finances can be overwhelming and many people don t have the time or the proper resources to do it by themselves. Beacon Financial has the experience, resources and commitment to help you get started. Beacon will provide every NYSFOP member with a free personal financial planning consultation, offering you access to professional money managers from well known firms. Beacon consultants are prepared to help NYSFOP members understand their current benefits and identify ways to maximize financial goals. Beacon will assist you in considering all aspects of your finances including; your assets, debts, cash flow, retirement and estate planning goals. Get your FREE Financial Planning Consultation. CONTACT US TODAY! Beacon Financial Your Partner for Financial Solutions 911 Police Plaza, 2nd Floor, Hicksville, NY Call: [email protected]

5 VOLUNTARY BENEFITS Are You Planning for Life EveNTS, AccideNTS and RetiremeNT? Voluntary benefits are no longer just nice to have, they have become essential products in the planning of life events. Voluntary benefits such as; critical illness insurance, long term care insurance and life insurance are some of the benefits that can provide the extra protection for you and your loved ones. Incorporating voluntary benefit products into your financial planning goals is a great way to be prepared in case misfortune should strike. Illness and accidents often arise unexpectedly bringing unexpected costs. The only way to be prepared is to protect yourself with extra coverages these voluntary benefit products provide. Let us help you find the right protection for you. Beacon Financial can provide an assessment of your current benefits and help you make informed decisions. 911 Police Plaza, Hicksville, NY Call: [email protected]

6 EDUCATIONAL SEMINARS Get Started. Take Control of Your Future. Attend or Host a Financial Planning & Retirement Seminar at Your Lodge Many retirees wish they began focusing on financial and retirement planning much earlier in their lives. The truth is no matter how far along you are in your career, careful financial and retirement planning is critical. Many people don t have a plan or know what retirement looks like. members create clear, concise goals for financial planning and retirement. We encourage all NYSFOP Members to attend a Beacon Financial Financial Planning and Retirement Seminar. Beacon Financial has designed financial planning and retirement seminars to help NYSFOP members of all ages prepare for retirement. Retirement can be an alluring stage of life, a time when many hope to finally have the time to try new hobbies or travel. Retiring comfortably and being able to do the things you dream about requires a steady stream of income that lasts as long as you do. The earlier you retire, the more important it is to manage your retirement assets wisely. Visit for newsletters, updates, news, seminar and event dates. As part of your NYSFOP membership, Beacon Financial offers educational seminars to help

7 SPECIAL NEEDS Estate Planning and Financial Guidance for Families of Individuals with Special Needs The Special Needs Family Planning division of Beacon Financial is committed to helping families with loved ones who have special needs. Our goal is to help families improve their current financial situation and plan for the future. As a group we are personally committed to improving the special needs environment. We are grateful to have the ability to affect change and quality of life for families with special needs. Planning for the long term financial security of a loved one can be very complex, and planning for the future well being of your children is a daunting task for any parent. Add the complexity of adequately providing for the future care of a son or daughter with special needs, and the process becomes exponentially more challenging. Our goal is to help alleviate difficulties associated with caring for a loved one with special needs. In doing so, we hope to help families make sound decisions for both their own financial future and the future of those they leave behind. It is never too early to start planning for your child s future. Beacon Financial has a network of representatives and affiliates to help meet your individual and family needs. Estate planning, preservation of benefits, letters of intent, special needs trusts, or financial planning, Beacon Financial, in partnership with the Law Enforcement Torch Run/Special Olympics, has the resources to educate you to help you make informed decisions.

8 PRESCRIPTION CARD Prescription Card The NYSFOP HealthTrans Prescription Discount Card is a free discount prescription card that provides savings of percent off the cost of both brand and generic medications. The NYSFOP HealthTrans Prescription Discount Card is accepted at over 50,000 pharmacies nationwide, including major national chains, regional chains, and local, privately-owned pharmacies. Anyone can the NYSFOP HealthTrans Prescription Discount Card, and there are no limits on the number of prescriptions in which the card can be used. $1.25 goes to support the NYSFOP State Lodge each time the NYSFOP HealthTrans Prescription Discount Card is used percent off of Lab and Imaging Services.

9 RETAIL BENEFITS RETAIL BENEFITS Retail Benefits allows NYSFOP members, their family members and friends to support the NYSFOP State lodge, while receiving cash back by shopping online at major retailers. A state of the art search functionality allows shoppers to search over 5,000 retailers or 300 million products to find what they are looking for in a matter of seconds. Through perks from leading companies, shoppers receive percent off regular prices and most with free shipping. A Green Products section features more than 15,000 of today s most sought after environmentally friendly brands and products at wholesale prices. Featured Retail Benefits stores include Macy s, Walmart, Bloomingdale s, Target, Crate & Barrel, Foot Locker, Office Depot, Old Navy, JC Penney, Dell, HP, The Sharper Image, Jos A. Banks, Sephora, Best Buy, Dick s, Banana Republic, and many more. * COMING SOON

10 MAKE THE MOST OF YOUR NYSFOP MEMBERSHIP! Make the Most of Your NYSFOP Membership/Beacon Partnership NYSFOP Health Select - Health, Dental and Vision Insurance Financial Planning Services Retirement Planning Voluntary Benefits Administration Retail Benefits Cash Back Online Shopping with Discounts at Major Retailers websites Free NYSFOP HealthTrans Prescription Discount Cards Tell your family and friends all the great reasons to join the NYSFOP. Associate members enjoy most of the benefits extended to NYSFOP members like low rate health insurance and additional coverages that will protect and supplement their needs. The NYSFOP continues to grow and extend services to members with the goal of offering members the choices they need to successfully plan for today and tomorrow.

11 Beacon Financial has dedicated the last 10 years to working with law enforcement officers and their families to educate them about their benefits and help find solutions that will meet their needs, as well as the needs of their families. From helping members select funds for deferred compensation programs to walking each through his/her individual benefits package, Beacon is an NYSFOP member s most valuable financial resource answering questions, providing education and offering choices to help each member make the best decisions. Beacon Financial is committed to providing the soundest financial guidance to each member. As an independently owned financial consulting firm, Beacon is free from pressures to suggest particular brands and can make truly qualified financial recommendations that are in the best interest of its clients. 911 Police Plaza, Hicksville, NY Call: [email protected] Securities offered through Regulus Advisors, LLC. Member FINRA/SIPC. Beacon Financial is independent of Regulus Advisors.