Beacon Light Wealth Management

Beacon Light Wealth Management provides ongoing, goals-based wealth management and financial planning primarily for individuals, families, and small businesses, and also offers retirement plan consulting and a non‑advisory estate‑document facilitation service. The firm develops written investment plans and Investment Policy Statements informed by objectives, tax circumstances, liquidity needs, and risk tolerance, and it does not act as custodian of client assets.

BLWM implements strategic, diversified asset‑allocation portfolios using a mix of ETFs and mutual funds and a blended active/passive approach, with attention to tax efficiency (including tax‑loss harvesting and consideration of direct indexing for concentrated positions). Financial planning work is supported by third‑party software (Right Capital) and portfolio supervision is tailored to each client’s time horizon and risk profile.

What's notable relative to many peers is BLWM’s explicit retirement plan consulting practice, including contractual acknowledgment of ERISA fiduciary roles (e.g., §3(21) or §3(38)) when engaged by plan sponsors. The brochure also discloses an optional estate‑document facilitation program that uses a third‑party provider (Encor Estate) with a portion of the flat fee retained by the firm, and that certain supervised persons are licensed insurance agents who may receive commission compensation.