Beacon Wealthcare LLC

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Client assets under management

$308,321,846

Clients

908

12% high-net worth

Advisors

of 6 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

182

Very High

Average account size

$339,562

About

Beacon Wealthcare is a fee-only registered investment adviser that serves individuals, high-net-worth clients, trusts, retirement plans, foundations and other institutions. The firm offers comprehensive financial planning and discretionary portfolio management, a lower-fee management-only option branded "QUEST," annual or hourly standalone planning, and access to an automated Schwab Intelligent Portfolios program for smaller accounts.

The firm’s investment approach emphasizes minimizing controllable costs and taxes by using broadly diversified, low-cost indexed exchange-traded funds and, for plan work, indexed mutual funds. Beacon uses Monte Carlo probability analysis to quantify a client’s plan “Confidence Zone,” provides daily portfolio monitoring and periodic rebalancing, and typically implements target portfolios composed of a small number of ETFs plus short-duration U.S. government securities.

Distinctive features in the brochure include a formal expectation that client-facing advisors hold a bachelor’s degree and an advanced degree or equivalent industry experience, the concurrent use of a robo-advisor platform (with tax-loss harvesting) alongside full-service planning, and explicit underweighting of non-U.S. equities relative to global market capitalization. The firm reports managing roughly $261 million on a discretionary basis for about 880 clients with five advisors and emphasizes daily reconciliations and quarterly confidence-status reporting.

Client services

Financial planning Portfolio management

Expertise

Wealth management Passive / index investing Tax-loss harvesting Income planning

Fee options

Fixed

Once a year flat fee for financial planning and Social Security analysis up to $15,000 depending on complexity

Percentage

$0+: Typically ranges from 0.50% to 1.25% per annum, depending on total household assets with breakpoints at various asset levels $0+: QUEST management-only program fee at 0.9% with $50 annual minimum

Project-based

Hourly fee for financial planning (amount not specifically stated)

Other

Account minimum: $5,000 Minimum fee: Minimum flat fee of $3,500 where planning services exceed the cost of assets being managed; $50 annual minimum for QUEST management-only program Fee-only: Fee-only investment management services with no commissions received; also offers flat or hourly fees for financial planning up to $15,000 depending on complexity

Main office location

Beacon Wealthcare LLC

1633 Glenwood Ave

Raleigh NC 27608, United States

Number of offices

Most active in

California · Florida · Georgia · Massachusetts · New Hampshire · New York · North Carolina · South Carolina · Texas · Virginia

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 919-821-5225

Advisors at this firm

Geoffrey H

CFP®, Series 63, Series 66

Raleigh, NC

Beacon Wealthcare LLC

Geoffrey Hall is a CFP® professional with 23 years of industry experience, currently serving as an advisor at Beacon Wealthcare LLC in Raleigh, NC. He has been with Beacon Wealthcare since 2012, including its predecessor entity, and holds Series 63 and Series 66 licenses. Beacon Wealthcare is a fee-only registered investment adviser serving individuals, high-net-worth clients, trusts, retirement plans, foundations, and institutions. The firm provides comprehensive financial planning and discretionary portfolio management, emphasizing low-cost indexed ETFs, tax minimization, and the use of Monte Carlo analysis to assess client portfolio confidence.

Wealth management Passive / index investing Tax-loss harvesting Income planning

Daniel L

CFP®

Raleigh, NC

Beacon Wealthcare LLC

Daniel Logan is a CFP® professional with seven years of industry experience. He is currently with Beacon Wealthcare LLC, where he has worked since 2023, following roles at Zora Financial, CapFinancial Partners (CAPTRUST), and Welch Hornsby, Inc. Beacon Wealthcare is a fee-only registered investment adviser serving individuals, high-net-worth clients, trusts, retirement plans, foundations, and other institutions. The firm employs a diversified, low-cost indexed ETF investment approach with tax minimization strategies and offers a range of financial planning and portfolio management services, including a management-only option and access to an automated Schwab Intelligent Portfolios program.

Wealth management Passive / index investing Tax-loss harvesting Income planning

Ryan S

CFP®, Series 63, Series 65

Raleigh, NC

Beacon Wealthcare LLC

Ryan Smith is a CFP® professional with 18 years of experience in financial advising. He is currently with Beacon Wealthcare LLC, where he has worked since 2021, following prior roles at Beacon Wealthcare, Inc. and Raymond James Financial Services. Beacon Wealthcare is a fee-only registered investment adviser serving individuals, high-net-worth clients, trusts, retirement plans, foundations, and institutions. The firm focuses on comprehensive financial planning and discretionary portfolio management using broadly diversified, low-cost indexed ETFs and employs Monte Carlo analysis to assess client plan outcomes.

Wealth management Passive / index investing Tax-loss harvesting Income planning

Ellen M

CFP®

Raleigh, NC

Beacon Wealthcare LLC

Ellen Martin is a CFP® professional with six years of industry experience, currently serving as an advisor at Beacon Wealthcare LLC since 2021. She previously worked at Prospera Financial Services for seven years. Beacon Wealthcare is a fee-only registered investment adviser serving individuals, high-net-worth clients, trusts, retirement plans, foundations, and other institutions. The firm offers comprehensive financial planning, discretionary portfolio management, and a lower-fee management-only option, using a diversified approach centered on low-cost indexed ETFs and Monte Carlo analysis to assess client plan confidence.

Wealth management Passive / index investing Tax-loss harvesting Income planning

Jared K

CFP®, Series 65

Raleigh, NC

Beacon Wealthcare LLC

Jared Korver is a CFP® professional with 11 years of industry experience. He has been with Beacon Wealthcare LLC since 2014, serving as an advisor within the firm’s five-person team. Beacon Wealthcare LLC is a fee-only registered investment adviser that provides comprehensive financial planning and discretionary portfolio management for individuals, high-net-worth clients, trusts, retirement plans, foundations, and other institutions. The firm’s investment approach focuses on minimizing controllable costs and taxes using broadly diversified, low-cost indexed ETFs and indexed mutual funds, supported by Monte Carlo probability analysis and daily portfolio monitoring.

Wealth management Passive / index investing Tax-loss harvesting Income planning

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