Midvale, UT Office

Beacon Financial Planning, LLC provides personalized financial planning and discretionary investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses, and it operates a pension/401(k) consulting practice under the DBA Independent 401(k) Advisors. The firm offers standalone written financial plans, ongoing advisory relationships, and limited-scope hourly engagements, serving both individual and high-net-worth clients in typical team-practice areas such as retirement, tax, insurance review, and estate planning.

The firm describes an evidence‑based investment approach that emphasizes strategic portfolio engineering, global diversification, disciplined execution, and periodic rebalancing, typically using no‑load mutual funds and ETFs and highlighting access to institutional‑class share classes not generally available to retail investors. Beacon accepts discretionary trading authority, generally avoids leveraged or private placement products (e.g., IPOs, options, margin), and integrates planning topics (taxes, insurance, retirement) into portfolio management.

Compared with many peers, Beacon is notable for maintaining a modest team (five advisors) supporting roughly $62 million in reported assets under management while also operating a dedicated 401(k) advisory DBA and partnering with third‑party custodians and a unified trust for plan services. The brochure also discloses that the firm enters solicitor/referral agreements—paying referring advisors a negotiated portion (stated as 20–80%) of advisory fees—and enforces formal hiring standards (college degree or CFA/CFP plus Series 65/66), an account minimum policy of $80,000 (waivable), and a stated preference for fee‑only engagement with limited, disclosed exceptions.