Overview
Beacon Investment Advisors, LLC ("Beacon", “we”, or “us”) is a federally registered investment adviser
that offers wealth management services to individuals, families, businesses, pooled retirement plans and
Qualified Retirement plans. Beacon is 100% owned by Cornell P. Abod, and was founded in 2003. As of
December 31, 2023, Beacon manages approximately $257,803,803 in assets on a discretionary basis.
Beacon offers discretionary and non-discretionary portfolio management services. Our investment advice
is tailored to meet your needs and investment objectives. Qualified retirement plan clients are served on
a non-discretionary or discretionary basis. All other clients are served on a discretionary basis.
Discretionary clients provide Beacon with the authority to determine the specific securities and the
amount of securities to be purchased and/or sold without approval prior to each transaction. More
information on discretionary authority is included in Item 16 of this Brochure.
Beacon’s investment advisory services include:
•Allocation of assets among different security types and asset classes
•Portfolio diversification and/or concentration
•Financial, retirement, and investment planning
•Investment accumulation and distribution planning
•Other general economic and financial topics.
INVESTMENT ADVISORY SERVICES – INDIVIDUALS, FAMILIES, ESTATES, ENTITIES AND RETIREMENT PLANS
Beacon understands that each client’s financial situation is unique and there is no “one-size fits all”
investment strategy. We tailor our advisory services to your specific financial needs, time horizon, risk
tolerance and investment objective. As a result, the investment strategy and portfolio for each client may
be different. Our portfolio management process is outlined below:
•Information gathering: During meetings, interviews, and through questionnaires, we work with
you to evaluate your investment objectives, goals, and financial planning needs.
•Investment Plan: After working with you to analyze your individual financial situation, we
formulate an investment plan, guidelines for the investment
plan, and an asset allocation of your
account(s).
•Customized Services: We tailor our advisory services to your needs by considering your unique
circumstances. Your portfolio may be adjusted as to asset allocation, types of securities owned,
position size, and other factors based on the information you provide to us and the investment
plan developed in conjunction with you. Because each portfolio is constructed differently for
each client, investment returns will vary among clients of the firm.
•Client-directed Restrictions: You have the option of imposing reasonable investment restrictions
in your account on certain securities, industries or sectors by providing Beacon with written
instructions when you open a new advisory account or at any time thereafter. Restrictions or
other options you choose can be rescinded at any time by notifying us in writing.
•Investment Plan Implementation: The investment plan and asset allocation are considered a
guideline. It is expected that numerous factors will cause the actual investment allocation to vary
from the plan. For example, variances could result from:
o Transition time required to implement the plan.
o New assets added to or withdrawals from the investment portfolio.
o Changes in market conditions.
o Availability of securities meeting desired investment criteria.
o Changes in client circumstances.
o Other financial, economic and/or market factors.
•Monitoring: Investment markets are continuously monitored and changes to your financial or
personal profile are considered. Portfolio changes are made as appropriate to reflect changes in
your financial factors and circumstances.
•Separate Accounts: Your account assets are held with an independent qualified custodian. The
custodian will provide you with monthly or quarterly statements (by mail or electronically)
describing all activity in your account(s) as well as transaction confirmation notices as they occur.
You retain ownership of the account including the right to add or withdraw cash or securities and
the ability to vote proxies.