Beacon Trust

Beacon Trust provides financial planning, discretionary portfolio management, retirement-plan advisory, and trustee services to individuals (including high‑net‑worth clients), trusts, pension and charitable entities. The firm also advises an SEC‑registered mutual fund and offers a wrap‑fee program and 401(k) participant advisory services, and it managed roughly $4.26 billion in discretionary assets as of the end of 2025.

Investment advice is delivered via an open‑architecture platform that blends in‑house equity and fixed‑income strategies, factor‑based and ETF model portfolios, separately managed accounts, and monitored independent managers; the firm emphasizes tax awareness, active loss harvesting, and customized fixed‑income portfolios using direct bond ownership. Beacon Trust’s proprietary Beacon Planned Return Strategy Fund employs option‑based, tranche‑rolling exposures to U.S. equity indices alongside its factor and behavioral‑finance ETF models, representing a specialized implementation within its suite of strategies.

A distinctive aspect of Beacon Trust’s structure is its ownership and affiliation: it is owned by Beacon Trust Company (a limited‑purpose trust company) and ultimately by Provident Bank/Provident Financial Services, so the firm operates with both bank and trust affiliates. The brochure discloses potential conflicts arising from these affiliations and its proprietary fund and describes remedial measures such as separate disclosures and fee‑calculation exclusions for fund assets.