What We Do


    Financial planning is about more than
    recommending investments.

    We help answer big questions with real numbers,
    so you can get back to focusing on what matters most.

    Financial planning is about more than recommending investments.

    We help answer big questions with real numbers, so you can get back to focusing on what matters most.

    Financial planning extends far beyond recommending investments. Our in-depth approach helps answer questions like:

    • How do I know if I've saved enough for retirement?
    • Could major medical expenses impact my family's standard of living as I grow older?
    • Am I taking more risk in my investment portfolio than I need to?
    • Have the recent changes in estate tax law impacted me?
    • Can I afford to move to a new home or a continuous care community?
    • How much can I give to charity and to family?
    • How do I find, select, and evaluate charities on an ongoing basis?

    Read on to learn more about each step of our process.


    Step I

    Asset Inventory

    New relationships begin with a complete asset inventory, creating a starting point for the client's financial plan.

    Bring in that stack of account statements in your desk drawer, those company memos about the old retirement plan, or the pile of paperwork that came with your deferred compensation. We'll go through everything, figure out the puzzle, and compile the details of it all together, letting you see on one page a concise summary of what you've got and what it's all worth.

    Assets we evaluate include, but are not limited to:

    Brokerage Accounts 401(k)s, 403(b)s, and IRAs
    Stock Options Social Security
    Pension Plans Trusts
    Insurance Coverage Small Business Ownership
    Real Estate Deferred Compensation
    Illiquid, Non-Traded Investments  

    Step II

    Financial Planning

    We build financial plans personalized for each client.

    Whether you're aiming to save for a child's college education, prepare for retirement, or protect your legacy, we create a plan that will help guide you there. This plan becomes the focal point of every client relationship.

    A pretty graph is not a financial plan.

    At Beacon, we use a proprietary model to combine dozens of variables including current assets, projected future income, anticipated expenses, and potential investment earnings. Combining these variables puts real numbers around important life decisions, and provides a road map designed to help achieve your goals.


    Step III

    Estate Planning

    Estate tax laws are constantly evolving, and reviewing a client's estate plan is an integral part of any financial plan.

    Beacon can help "quarterback" the estate planning process, working closely with trust and estates attorneys and serving as your advocate. We're there to help translate legalese into plain English, confirm that your plan encompasses the entirety of your estate, and ensure your documents accurately reflect your wishes.

    The detailed view we take of our clients' assets provides an ideal perspective from which to approach the estate planning process. We strive to leave no stone unturned as we work toward the goal of helping you develop an expedient and tax efficient plan. Our approach may help uncover previously overlooked opportunities for tax savings potentially worth thousands of dollars.


    Step IV

    Asset Management

    We invest our clients' assets based on the individualized financial plan we've built for them, with the aim of providing sufficient long-term return to meet their goals without taking unnecessary risk.

    Our portfolios are designed to be broadly diversified, provide daily liquidity, and aim to deliver gradual, incremental returns over market cycles. Beacon's proprietary framework provides exposure to a broad range of asset classes as well as investment themes through a combination of no load mutual funds and ETFs.

    We monitor performance of all client portfolios to ensure they remain on track relative to their financial plan, rebalancing investments as they drift from their target allocation and harvesting tax losses when appropriate.

    For clients who have reached retirement, we can schedule monthly transfers from their investment account directly to their checking account to provide income. While once upon a time this would have required large holdings of "income producing" investments like municipal bonds or high dividend stocks, our approach is designed to provide the same result while maintaining a well diversified portfolio.