Your Comprehensive Financial Plan

Clear. Actionable. Tailored to Your Goals.

How We Simplify Complexity and Empower Your Financial Journey

At Beacon Hill Private Wealth, we specialize in creating financial plans that address the full scope of your financial life—whether you’re managing equity compensation, preparing for a family business sale, or navigating concentrated stock risks. Our process combines expert analysis, customized strategies, and a commitment to clarity, empowering you to make informed decisions with confidence.

• Clarity: A blend of concise summaries and detailed analysis for informed decision-making.
• Confidence: Insights to guide you through critical decisions with certainty.
• Collaboration: Flexible strategies, adapted as your goals or circumstances evolve.

Benefits of a Well-Designed Plan

• Focus on goals in retirement and how these will be funded.
• Address concerns and expectations for retirement.
• Identify things that could pose a threat to the retirement goal and develop mitigating strategies to minimize and/or manage them.
• Be more educated, confident and in control of your financial future.

What Your Plan Covers

Your plan will address key areas to ensure that your financial picture is clear, actionable, and aligned with your aspirations:

1. Your Life Goals and Milestones: We start by understanding your vision—whether it’s achieving financial independence, funding a family legacy, or maximizing the value of a business sale.

2. Your Financial Baseline: Your plan begins with a detailed review of where you stand today:

• Net Worth Overview: A clear breakdown of assets, liabilities, and equity.
• Cash Flow Insights: Identifying opportunities to optimize income and expenses.
• Concentrated Stock Solutions: Strategies to reduce risk and diversify holdings.

3. Tailored Recommendations: We craft actionable solutions designed around your needs:

• Investment Allocations: Portfolios designed to balance growth, income, and risk.
• Tax Planning: Reducing liabilities through advanced modeling and strategy.
• Retirement Preparation: Ensuring a sustainable income to support your lifestyle.
• Equity Compensation: Strategies for ISOs, NSOs, and RSUs to maximize value and minimize taxes.
• Business Transitions: Planning for the sale of a family business while preserving wealth.
• Legacy Planning: Designing strategies for wealth transfer and charitable giving.

4. Stress-Tested Confidence: We rigorously test your plan with sophisticated tools to account for life’s uncertainties:

• Scenario Modeling: Examining how life events, like market downturns or unexpected expenses, might impact your goals.
• Monte Carlo Simulations: Analyzing probabilities of success across thousands of potential outcomes.

5. Going Beyond the Basics: Your financial life is unique, and so is your plan. We go beyond traditional planning to provide additional analyses when needed, such as:

• Strategies for managing liquidity from concentrated stock positions.
• Tax-efficient exit strategies for family businesses.
• Advanced wealth preservation tools for high-net-worth households.

6. Your Financial Roadmap: To ensure your plan is clear and actionable, we provide a concise summaries that includes:

• Your Prioritized Goals: Needs, wants, and wishes.
• Key Recommendations: Actionable next steps to achieve your objectives.
• Confidence Metrics: Probabilities of success based on advanced scenario testing.

This summary ensures you always have a focused view of what matters most, with clear and measurable next steps to guide your financial journey.

Why Beacon Hill Private Wealth?

Our clients choose us because we deliver more than just financial plans:

• Comprehensive Expertise: We handle complex scenarios like equity compensation, business sales, and high-net-worth tax strategies.
• A Fiduciary Commitment: Your success is our priority. We provide unbiased, transparent advice tailored to your needs.
• Adaptive and Ongoing Advice: Your financial plan evolves with you. As your goals or circumstances change, we adjust to ensure continued success.

How We Work With You

1. Discovery: Together, we explore your goals, values, and the unique facets of your financial life—such as concentrated positions or upcoming liquidity events.
2. Tailored Analysis: Using insights from tools like Monte Carlo simulations and scenario testing, we build a customized plan to address your needs and concerns.
3. Actionable Recommendations: We focus on clear, actionable strategies—whether it’s diversifying concentrated stock positions, planning for retirement, or preparing for a business transition.
4. Implementation and Monitoring: As life evolves, so does your plan. We’ll continually refine our strategies, incorporate additional analyses, and provide regular updates to ensure long-term success.

Inside Your Custom Financial Plan 

Bringing Clarity to Every Detail

At Beacon Hill Private Wealth, we craft financial plans designed to simplify complexity and provide you with a clear path to achieving your goals. Below, we highlight the key components of your plan, paired with visual examples to illustrate how we approach every detail with precision.

Your Financial Goals Timeline

A visual roadmap outlining your prioritized goals—categorized as needs, wants, and wishes—so you can see when and how each milestone fits into your plan.

Net Worth Overview

A comprehensive snapshot of your assets and liabilities, helping you understand your financial foundation and track progress over time.

Portfolio Allocation And Risk/Reward Tradeoff

Discover your optimal investment allocation strategy, including a clear analysis of the tradeoffs between risk and potential returns. This ensures your portfolio aligns with your financial goals and risk tolerance.

Confidence Metrics with Scenario Testing

We use advanced Monte Carlo simulations and other scenario-testing tools to assess how your plan performs under various economic and life events, providing confidence in your strategy’s resilience and flexibility.

Tax Planning

Actionable recommendations to minimize tax liabilities and maximize after-tax wealth. Strategies include Roth conversions, tax-efficient withdrawals, charitable giving, and optimizing major financial events like business sales or stock vesting.

Cash Flow Planning

Projections of your income and expenses help you understand how money flows in and out of your financial picture. This insight allows for better budgeting, spending prioritization, and savings strategies to support your goals.

Healthcare and Insurance Analysis

Plan for potential medical costs and long-term care needs with projections and recommendations to protect your assets and ensure financial security in retirement.

Special Assets Integration

Customized strategies to incorporate unique assets—such as business interests, real estate, or restricted stock—into your financial plan, ensuring their value supports your overall goals.

Risk/Reward Tradeoff

Understanding the set of portfolios that may be appropriate based on the client's initial risk tolerance score plus or minus a pre-defined range.

Social Security Optimization

Personalized recommendations to maximize Social Security benefits while integrating them seamlessly into your broader retirement strategy.

Long-Term Care Analysis

Projections of potential long-term care costs and recommendations for protecting your financial security, ensuring you’re prepared for unforeseen healthcare needs.

Life Insurance Analysis

An evaluation of your current life insurance coverage to ensure your loved ones are financially protected. We identify gaps and suggest strategies tailored to your family’s needs.

Advanced Estate and Legacy Planning

Comprehensive strategies for preserving and transferring wealth, including trusts, tax-efficient gifting, and philanthropic plans, to ensure your legacy reflects your values and priorities.

Concentrated Stock Solutions

Strategies to address concentrated stock risks, such as diversification, liquidity planning, and tax-efficient sales, to preserve your wealth while reducing volatility.

Access To Your Plan

Your plan is always accessible through the Beacon Hill portal or through the Beacon Hill app (iOS/Android).  These provide easy access to view your portfolio values and allocations, as well as gain access to your financial plan.

Adapting to Life’s Choices

Within the plan, you can explore the impacts of changes to your retirement date or financial goals. This dynamic feature allows you to adjust priorities and timelines to better align with your evolving vision for the future.

Preparing for the Unexpected

We can stress-test your plan using variables beyond your control, such as market volatility or economic shifts. These analyses reveal how the recommended scenario supports both essential and discretionary goals, ensuring your financial security remains intact.

Beacon Hill Private Wealth is an independent, fee-only, fiduciary investment advisor providing evidence-based wealth planning solutions that simplify our clients' financial lives.  We serve clients in the state of New Jersey and across the country.

Founder Tom Geoghegan, CFP®, CIMA®, CPWA®, RMA® is also a member of the National Association of Personal Financial Advisors (NAPFA), the Financial Planning Association (FPA), and is featured on the Fee-Only Network. 

We welcome the opportunity to learn more about your unique circumstances and share how Beacon Hill adds value to our clients' lives.  Ready to talk?  Simply schedule a phone call or virtual meeting using our Calendly booking tool.

The information provided herein is for informational and illustrative purposes only.  It is not intended to be, and should not be construed as, investment or planning advice.  Beacon Hill’s financial planning and investment advisory services are provided pursuant to an advisory agreement with our clients.