Planning that holds under pressure.
Beacon House Advisors helps individuals, families, entrepreneurs, and business owners put protection and income in place that perform on the day they are called upon — designed independently, documented plainly, and coordinated with the advisors you already work with.
Why clients work with us
Most households and businesses carry obligations that only become visible under stress.
An income that suddenly stops. A retirement that has to fund itself for thirty years without a paycheck behind it. A partner’s death that triggers a buy-sell agreement. An estate whose liquidity has not kept pace with the assets it now has to settle.
Beacon House Advisors designs the life insurance, annuity, and financial security planning that answers those obligations. We begin with the commitments and goals already on the table, quantify them, and build coverage that matches — then keep it aligned as life and the business change.
Risk protections
Four ways to protect what a plan depends on
Income, health, longevity, and the policies already in force: these are the exposures that decide whether the rest of a plan holds. Each is addressed with a specific kind of coverage, chosen on the contract rather than the headline.
Life Insurance Design & Implementation
Placing new coverage, and reviewing what is already in force, so a policy actually does the job it was bought for.
Explore →Annuities & Retirement Income
Guaranteed income and guaranteed growth for retirement, and a disciplined home for rollovers that have outgrown ad hoc management.
Explore →Disability Income Protection
Protecting the earning power that funds everything else, for owners and professionals whose group coverage falls short.
Explore →Long-Term Care Planning
Funding the cost of extended care before it becomes an unplanned draw on the rest of the estate.
Explore →Planning strategies
Four applications that put coverage to work
Coverage becomes strategy when it is tied to an agreement, a trust, a charitable intention, or an executive’s compensation. These are the arrangements where we most often work alongside a client’s CPA and attorney.
Charitable Giving & Legacy Planning
Coordinating philanthropic intent with the protection of heirs.
Explore →Business Continuity & Succession
Funding buy-sell agreements and protecting the enterprise against the loss of an owner or a person it cannot quickly replace.
Explore →Executive Benefits
Nonqualified deferred compensation, supplemental retirement, and bonus arrangements that recruit and retain key people.
Explore →Estate & Wealth-Transfer Liquidity
Ensuring a transfer of wealth is not forced into a sale of the very asset that created it.
Explore →
Our approach
Obligation first. Carrier independent. Written down.
We are not an investment manager and we do not take custody of assets. Our work is narrower and, we think, more useful for it: we find the exposures and goals in a plan, quantify them, and place the coverage or income structure that resolves them.
We hold appointments across the major carriers rather than a single company’s shelf, we advocate through underwriting on difficult cases, and we leave a written record of the reasoning that your CPA or attorney can put in the file.
For CPAs, attorneys & investment advisors
A specialist who works alongside your other advisors.
When a client’s plan calls for advanced insurance or annuity capability, we work as the specialist alongside their CPA, attorney, and investment advisor — to your engagement terms, documented so it fits your file, and without cross-selling your services.
Insights
Notes from the practice
Short, practical pieces on the planning problems we see most often — published monthly, written by John Rullman.
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When the buy-sell agreement and its funding no longer match
Valuations move every year. The life insurance behind a buy-sell often does not. A short review closes the gap before it becomes a dispute among the people left running the company.
The measure of a plan is not how it reads the day it is signed, but how it behaves the day it is needed.