Beacon Pointe Advisors is an independent, fee-only financial planning firm serving individuals and families across the D.C. metro. We build strategies around your full picture — investments, taxes, retirement, and the people who depend on you — not a product shelf.
We founded Beacon Pointe on a simple premise: that honest, conflict-free advice should not be a luxury reserved for the ultra-wealthy. It should be the baseline.
For more than a decade, our team has helped Bethesda families, physicians, federal employees, and business owners make confident decisions about money. We sit on the same side of the table as you — legally, structurally, and in practice. As a fee-only fiduciary, we earn no commissions, accept no kickbacks, and sell no proprietary products. The only thing we sell is judgment.
That independence shapes everything: how we build your plan, how we select investments, how we coordinate with your CPA and estate attorney, and how we get paid. You will always know exactly what you are paying and why.
Most financial problems do not live in one column. A retirement decision affects your taxes; a stock option decision affects your estate. We address all six areas below as a single, connected system — priced transparently, not by the hour.
A full written plan covering cash flow, insurance, retirement projections, education funding, and estate review. Delivered over three structured meetings with one-year implementation support.
Globally diversified, low-cost portfolio construction with ongoing rebalancing, tax-loss harvesting, and quarterly performance reporting. Built on index funds and individual bonds, not commissioned products.
Retirement projections, Social Security claiming analysis, pension elections, and a tax-efficient withdrawal sequence for the first ten years after you stop working — the window that matters most.
Year-round tax coordination: Roth conversion ladders, capital-gain harvesting, charitable bunching, and cost-basis review. We work directly with your CPA so nothing falls through the cracks in April.
Review of wills, trusts, beneficiary designations, and titling. We coordinate with your estate attorney to close gaps and align documents with your current wishes — not the version from ten years ago.
Stock option modeling (ISO/NSO/RSU), 83(b) elections, solo 401(k) and defined benefit structures, and exit planning for closely-held businesses. Designed for founders, partners, and senior employees.
Our work is measured by one question: did the plan hold up when life changed? Below is the single image we keep on the wall — a reminder that markets are weather, not the destination.
“The plan is the beacon. The market is only the weather around it.”
The first meeting is about you, not us. We map your goals, family, obligations, and the things you have not told anyone else — before a single recommendation.
We run Monte Carlo simulations, tax projections, and withdrawal sequencing on your actual numbers — not a worksheet of assumptions that do not match your life.
Your CPA, estate attorney, and employer benefits all touch your wealth. We become the connective tissue so nothing is filed, signed, or missed in isolation.
Plans are revisited at every life event and at minimum twice a year. Markets change, tax law changes, families change — your plan changes with them, deliberately.
Our office is walking distance from the Bethesda Metro. No lobby TV, no sales pitch — just a private room, good coffee, and the time to think clearly.
The first conversation is complimentary and lasts about thirty minutes. We will listen to what you are trying to solve, tell you honestly whether we can help, and only then talk about next steps. No pressure, no pitch deck.