5 Retirement Myths Costing San Diego Professionals Real Money | BAS Financial
The Retirement Advice You've Always Heard Is Quietly Costing You.
Download Shattering Retirement Myths — a complimentary guide from Bradly Stevens, MBA, CEPA™, breaking down the five most common misconceptions keeping San Diego professionals and business owners from the retirement they've actually earned.
Five Myths That Quietly Derail Good Retirement Plans
Each one sounds reasonable. Each one is incomplete. Here's what the guide unpacks, chapter by chapter.
Retirement means sitting on a beach.
Why purpose, learning, and connection matter as much as your account balance.
Social Security will take care of me.
What inflation, healthcare costs, and lifestyle goals mean for your real income gap.
You need millions to retire comfortably.
How realistic budgeting and smart saving build security at any income level.
Retiring early means giving up everything.
The income-stacking and delayed-benefit strategies that make early retirement realistic.
Investing is scary and complicated.
Risk, diversification, and time horizon — explained in plain English.
Written for Two Kinds of Readers
Whether your wealth is tied up in equity compensation or in the business you built, the myths — and the fixes — look different than generic retirement advice assumes.
San Diego Professionals in Tech, Biotech & Defense
- High income, but wealth concentrated in one employer or one stock
- Unsure if Social Security and a 401(k) will really be enough
- Want a plan that goes beyond generic online calculators
San Diego Small Business Owners & Founders
- The business has become the retirement plan — a single, undiversified asset
- Uncertain whether CalSavers or a custom plan is the right structure
- Ready to separate personal wealth from business risk
“Retirement is not a time to stop working; it's a time to start living.”EARL NIGHTINGALE · FEATURED IN THE GUIDE
A Guide Written by Your Local Advisor — Not a National Call Center
Bradly Stevens is a San Diego-based financial advisor with nearly 20 years of experience helping professionals and business owners build coordinated, tax-aware retirement strategies. He works out of BAS Financial's Sorrento Mesa office and has been recognized as a Forbes Best-In-State Top Financial Security Professional for 2023, 2024, and 2025.
What you'll walk away with
A clear, jargon-free breakdown of five retirement assumptions worth questioning — plus the planning concepts BAS Financial uses with clients across San Diego every day.
This is educational content, not individualized advice. There's no product pitch inside — just a starting point for a better-informed conversation.
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Shattering Retirement Myths
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- Five common retirement myths, debunked in plain English
- Practical strategies for building income beyond Social Security
- What early retirement and comfortable retirement really require