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.
What's inside the guide
- Five retirement myths, debunked in plain English
- Written for professionals and business owners alike
- A starting point for a better-informed conversation — no product pitch
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 San Diego Professionals and Business Owners at Every Stage
These five myths show up no matter how your income is structured or how far along your planning already is. Here's how they tend to show up for a few common situations — but the guide applies broadly, not just to these examples.
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
Anyone Planning — Or Overdue to Start
- Not sure if you're on track, behind, or somewhere in between
- Relying on assumptions about Social Security or retirement age that may not hold up
- Want a clear, no-pressure starting point before making any changes
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.
Credentials
MBA · LUTCF® · CLU® · ChFC® · WMCP® · CEPA™ · CLTC® · AIF®
Not a sales pitch
This is educational content, not individualized advice. There's no product pitch inside — just a starting point for a better-informed conversation.
Get Your Complimentary Copy of
Shattering Retirement Myths
Enter your details below and your guide will be available immediately.
- Five common retirement myths, debunked in plain English
- Practical strategies for building income beyond Social Security
- What early retirement and comfortable retirement really require
What Happens After You Get Your Guide
A conversation about your situation. We talk through where things stand — your income, business, investments, and any planning you've already done — so any follow-up conversation is built around you, not a generic checklist.
A walkthrough of the gaps. We'll cover where your current setup is well-coordinated and where it isn't — across retirement, tax, investment, insurance, and estate planning.
A written summary and next steps. You'll leave with a plain-English summary of what we discussed and specific next steps, whether or not you decide to move forward with BAS Financial.
No obligation, no pressure — the complimentary review is designed to answer one question: is there a real gap here worth addressing.
Get Your Complimentary Copy Today
Five myths, debunked in plain English — with no product pitch inside.
Get My Complimentary Copy →