Our Solutions
We work to build a plan around your life, not market noise. We combine intentional, easy-to-follow strategies with disciplined, globally diversified investing to keep your wealth aligned with your goals. From thoughtful planning to objective guidance, we’re here to support every step of your financial journey.
Services
Investment Management
- Ongoing Portfolio Management
- Asset Location
- Direct Indexing
- Employer 401(k) Analysis
- Employer Stock Decision Support
Tax Planning
- Tax Loss Harvesting
- Roth Analysis (401(k), Conversions and Backdoor Roth)
- Highly Appreciated Stock Planning
- Tax Diversification (Traditional, Roth, After-Tax, etc.)
- Tax Bracket Management
Insurance Planning
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Employer Benefit Support
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Life Insurance Analysis
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Disability Insurance Analysis
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Annuity Analysis
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Long-term Care Analysis
Retirement Planning
- Distribution Planning
- Social Security Claiming
- Medicare Planning
- Required Minimum Distributions
- Longevity and Survivor Planning
Financial Planning
- Kid’s Education Planning
- Budgeting
- Buy vs. Lease
- Home/Car/Major Purchase
- Debt Paydown Strategies
- Asset Protection
Estate Planning
- Review of Existing Estate Planning Documents
- Estate Document Facilitation (Provided by EncorEstate Plans)*
- Will Based Estate Plan
- Trust Based Estate Plan
- Account and Insurance Beneficiary Review
- Gifting Strategies (Family & Charity)
*Beacon Light Wealth Management does not provide legal advice and does not draft legal documents. At a client’s request, we may coordinate with EncorEstate Plans. Any estate planning document preparation in coordination with EncorEstate Plans is optional, provided for an additional fee, and clients are not required to use these services. Clients are encouraged to consult independent legal counsel prior to implementing any estate planning strategy.
Process
A thoughtful, collaborative process aimed to bring clarity and confidence to every decision you make.
- Illuminate – We begin by bringing your full financial picture into focus — seeking to uncover what truly matters to you, where you stand today, and what opportunities may be hidden in plain sight.
- Design – With those insights, we work to craft a personalized strategy that aims to aligns your goals, priorities, and resources into a cohesive, actionable plan.
- Implement – Together, we take actionable steps to put your plan into motion — coordinating each piece with care and precision.
- Guide & Navigate – As life evolves, we stay alongside you — helping you navigate change, adapt your strategy, and remain guided by the goals that matter most.
Philosophy
Beacon Light Wealth Management is guided by a disciplined, planning-first approach designed to promote alignment, consistency, and informed decision-making. Our financial planning process begins with a thorough understanding of a client’s financial circumstances, objectives, time horizon, and risk considerations. From there, we develop strategies intended to be straightforward, transparent, and practical to implement and maintain over time.
Our investment philosophy emphasizes structure and process rather than short-term market forecasting or reactionary decision-making. Portfolios are constructed using diversified, low-cost investment vehicles and are based on each client’s stated goals and risk profile. We incorporate asset allocation, asset location, and periodic monitoring and rebalancing as part of an ongoing investment management process.
Throughout the planning and investment relationship, we aim to be an objective resource to help clients evaluate financial decisions within the context of their broader plan, and with the goal of maintaining consistency and long-term focus amid changing market conditions.