A. Description of the Advisory Firm
Beacon Bridge Wealth Partners, LLC (“Beacon Bridge” or the “Firm”) is a limited liability company
organized in the State of Pennsylvania. Beacon Bridge is an investment advisory firm registered with the
United States Securities and Exchange Commission (“SEC”). Beacon Bridge is owned by Steven
Krzywicki, Jr., Megan Scott and James Schmidt.
B. Types of Advisory Services
Beacon Bridge provides personalized financial planning and discretionary and non-discretionary
investment advisory services to individuals, including high net worth individuals, and entities, including,
but not limited to, family offices, trusts, estates, private foundations, and qualified retirement plans.
Investment Management Services
Beacon Bridge offers investment management services on a discretionary basis and non-discretionary basis.
All investment advice provided is customized to each client’s investment objectives and financial needs.
The information provided by the client, together with any other information relating to the client’s overall
financial circumstances, will be used by Beacon Bridge to determine the appropriate portfolio asset
allocation and investment strategy for the client. Financial planning services also are provided, depending
on the needs of the client.
The securities utilized by Beacon Bridge for investment in client accounts mainly consist of exchange
traded funds (ETFs), but we will also invest in registered mutual funds, equity securities, corporate bonds,
REITS, private funds/alternative investments and variable annuities, among others, if we determine such
investments fit within a client’s objectives and are in the best interest of our clients.
Beacon Bridge may further recommend to clients that all or a portion of their investment portfolio be
managed on a discretionary basis by one or more unaffiliated money managers or investment platforms
(“External Managers”). The client may be required to enter into a separate agreement with the External
Manager(s), which will set forth the terms and conditions of the client’s engagement of the External
Manager. Beacon Bridge generally renders services to the client relative to the discretionary selection of
External Managers. Beacon Bridge also assists in establishing the client’s investment objectives for the
assets managed by External Managers, monitors and reviews the account performance and defines any
restrictions on the account. The investment management fees charged by the designated External Managers,
together with the fees charged by the corresponding designated broker-dealer/custodian of the client’s
assets, are exclusive of, and in addition to, the annual advisory fee charged by Beacon Bridge.
Investment Management Services to Retirement Plans
Beacon Bridge offers discretionary and non-discretionary advisory services to qualified plans, including
401k plans. These services include, depending upon the needs of the plan client, recommending, or for
discretionary clients selecting, investment options for plans to offer to participants, ongoing monitoring of
a plan’s investment options, assisting plan fiduciaries in creating and/or updating the plan’s written
investment policy statements, working with plan service providers, and providing general investment
education to plan participants.
Asset Management Services through Pontera
When appropriate, we use a third-party platform to facilitate the discretionary management of held away
assets. This includes the utilization of Pontera’s order management system to implement asset allocation
and rebalancing strategies on behalf of the client. Accounts primarily include defined contribution plan
participant accounts, 401(k) accounts and other accounts as defined under ERISA..The platform allows us
to avoid deemed custody of client funds as defined by the Securities and Exchange Commission as we do
not have direct access to client log-in credentials
to effect trades. Beacon Bridge is not affiliated with the
platform and we receive no compensation from Pontera for using their platform. A link will be provided to
the client allowing them to connect their account(s) to the platform. Once a client account(s) is connected
to the platform, Beacon Bridge will review the current asset allocations. When deemed necessary, Beacon
Bridge will rebalance the account considering client investment goals and risk tolerances. The securities
utilized by Beacon Bridge for investment in these particular client accounts are limited to the available
account options, over which Beacon Bridge has no control. Client account(s) will be reviewed at least
quarterly, and allocation changes will be made as deemed appropriate.
Finanical Planing and Consulting Services
Beacon Bridge offers personal comprehensive financial planning services to set forth goals, objectives and
implementation strategies for the client over the long-term. Depending upon individual client requirements,
the comprehensive financial plan will include recommendations for retirement planning, educational
planning, estate planning, cash flow planning, tax planning and insurance needs and analysis. Beacon
Bridge prepares and provides the financial planning client with a written comprehensive financial plan and
performs quarterly, semi-annual or annual reviews of the plan with the client, dependent on the client’s
needs in accordance with the financial planning agreement. Clients should notify us promptly anytime there
is a change in their financial situation, goals, objectives, or needs and/or if there is any change to the
financial information initially provided to us.
Clients are under no obligation to implement any of the recommendations provided in their written financial
plan. However, should a client decide to proceed with the implementation of the investment
recommendations then the client can either have Beacon Bridge implement those recommendations or
utilize the services of any investment adviser or broker-dealer of their choice.
Beacon Bridge cannot provide any guarantees or promises that a client’s financial goals and objectives
will be met.
Note for IRA and Retirement Plan Clients: When Beacon Bridge provides investment advice to you
regarding your retirement plan account or individual retirement account, Beacon Bridge is a fiduciary
within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue
Code, as applicable, which are laws governing retirement accounts. The way Beacon Bridge makes money
creates some conflicts with your interests, so Beacon Bridge operates under a special rule that requires
Beacon Bridge to act in your best interest and not put Beacon Bridge’s interest ahead of yours.
C. Client-Tailored Advisory Services
Clients may impose reasonable restrictions on the management of their accounts if Beacon Bridge
determines, in its sole discretion, that the conditions would not materially impact the performance of a
management strategy or prove overly burdensome for Beacon Bridge’s management efforts.
D. Information Received From Clients
Beacon Bridge will not assume any responsibility for the accuracy or the information provided by clients.
Beacon Bridge is not obligated to verify any information received from a client or other professionals (e.g.,
attorney, accountant) designated by a client, and Beacon Bridge is expressly authorized by the client to rely
on such information provided. Under all circumstances, clients are responsible for promptly notifying
Beacon Bridge in writing of any material changes to the client’s financial situation, investment objectives,
time horizon, or risk tolerance.
E. Assets Under Management
As of December 31, 2023 our firm manages approximately $307,669,559 in clients assets with
$303,497,634 managed on a discretionary basis and $4,189,925 managed on a non-discretionary basis.