About the firm
A small practice, built around long working relationships.
Beacon House Advisors is an independent life insurance, annuity, and financial security planning practice in Houston, Texas. It is small and principal-led, specializing in ongoing, relationship-driven engagements with individuals, families, entrepreneurs, and businesses.
The firm
What we are
Beacon House Advisors is the practice of John Rullman. He has advised individuals, families, and business owners on risk management and financial security since 2019, and worked in business advisory services since 1997. Beacon House Advisors is the name that practice now operates under — a clearer expression of a consistent mandate: advanced life insurance, annuity, and financial security planning, delivered independently and in coordination with a client’s other advisors.
We are carrier-independent. We hold appointments with the major life, annuity, disability, and long-term care carriers and place coverage on the merits of the case rather than from a single company’s shelf. We are not an investment manager, we do not take custody of client assets, and we do not hold ourselves out as tax or legal counsel.
The practice is deliberately small and single-principal. Every engagement is handled by John directly, and outside specialists — estate attorneys, actuaries, carrier advanced-markets desks — are brought in case by case.
The name
Beacon, and house
The name carries a two-part idea. The beacon is the guiding light — the advisory relationship, showing the way through decisions that most people face only once. The house is the keeper’s dwelling beside the light: the institution, and the protected place the light leads toward.
The lighthouse mark names both at once. It is, literally, a beacon house.
What we believe
Five working principles
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Start with the obligation
We begin with the commitments and goals a client already carries — agreements, dependents, debt, ownership structure, a retirement that has to fund itself — not with a product. The obligation defines the amount, the structure, and the urgency.
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Stay independent
Appointments across carriers, not a single company’s catalog. The recommendation follows the underwriting and the contract language, and we say so in writing.
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Write down the reasoning
Every engagement produces a memo a client’s CPA or attorney can read and file: what we looked at, what we assumed, what we recommend, and why.
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Coordinate, don’t displace
We work alongside a client’s existing advisors and to their engagement terms. We do not cross-sell their services or take over the relationship.
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Be candid about “enough”
When existing coverage is sufficient, or when the right answer is to do nothing, that is the advice. We would rather keep a client for twenty years than place a policy this one.
Principal
John Rullman
Principal Advisor
John Rullman has advised individuals, families, and business owners on risk management and financial security since 2019. His career in business advisory work began in 1997 and includes five years with a Big Four management consulting firm, ten years with a global IT services company, and four years with a major energy industry engineering and construction company.
His work concentrates on the advanced side of insurance and annuity planning: new coverage design and independent review of policies already in force, guaranteed retirement income, business continuity and buy-sell funding, nonqualified executive benefits, and estate and wealth-transfer liquidity.
He holds a Bachelor of Science in Construction Management from Florida International University, where he was a Faculty Scholars Program scholarship recipient and graduated summa cum laude.
How the practice is structured
One principal, specialist support
Single principal
Every engagement is handled by John Rullman personally — from the first conversation through implementation and ongoing review.
Independent access
Carrier appointments across life, annuity, disability, and long-term care lines, plus brokerage general agency relationships that add capacity on larger cases.
Assembled expertise
Estate attorneys, actuaries, valuation professionals, and carrier advanced-markets teams are brought in as a case requires — and coordinated.