For more information about the author, click to view their website: Beacon Pointe
In preparation for the end of the year and the upcoming tax season, we summarized a few key year-end tax planning tips for individuals.
Capital Gains Planning
Harvest Losses from Your Taxable Accounts – Selling securities for a loss (harvesting losses) may help reduce your tax bill now and in the future. Even if you held the securities for less than a year, losses from the sale of securities could shelter short-term and long-term capital gains realized this year from income tax. Keep in mind that capital losses are netted against all capital gains, including those from the sale of a business and real estate. Any unused losses can reduce up to $3,000 of ordinary income, and you can carry forward any remaining unused losses to help reduce future tax bills. Note that you cannot deduct a loss on a security when a virtually identical one is purchased 30 days before or after the original sale, as this is considered a wash sale. Also, if you had significant losses in 2023 or any other prior year, you may have tax-loss carryforwards that can be applied to your 2024 taxes. Your Beacon Pointe advisor is working to realize any available capital losses on your behalf before year-end.
Harvesting Gains from Your Taxable Accounts – In contrast, if you find yourself in a low tax bracket for 2024, you may wish to take advantage of the lower tax rates on capital gain income. It may benefit you to realize gains from a concentrated stock position to diversify your asset allocation further and increase the cost basis in your overall portfolio. This strategy may also benefit pass-through business owners with an expected net operating loss from your business in 2024.
Track Cryptocurrency – As more investors explore the world of cryptocurrency, it is necessary to understand the taxation of sales, transfers, and purchases. The online cryptocurrency exchanges do not report on transactions like other investment brokerage firms. This puts the responsibility on the taxpayer to track and report all transactions. If you are an active trader or miner of cryptocurrencies, it is important to track the cost basis of purchases to calculate future gains and losses when the cryptocurrency is later sold. Exchanging one cryptocurrency for another and utilizing cryptocurrencies to purchase goods should be reported as sales. Currently, cryptocurrency losses are not subject to the wash sale rules, which means you could sell a position to realize a loss, then repurchase it immediately, and still be able to recognize the loss. Be sure to let your tax advisor know if you have any cryptocurrency holdings so they can help you track and report it properly.
Consider Investing in a Qualified Opportunity Zone (QOZ) – Current law allows (1) federal tax deferral of capital gain invested in a QOZ until the earlier of when the fund is sold or December 31, 2026, and (2) federal tax avoidance on investment gain on the initial QOZ investment if held for at least ten years. The capital gain deferred or avoided might still be taxable at the state level, and the federal income taxes will be due with the filing of the 2026 tax return. You must reinvest capital gains realized within 180 days after the gain was realized. The investment does not have to occur in the same calendar year to qualify for deferral. Be sure to confirm timing deadlines with your tax advisor.
Retirement Planning
Maximize IRA and Retirement Plan Contributions – Be sure to fund your retirement account(s) to the applicable limit. The IRA funding limit for 2024 is $7,000 ($8,000 if over age 50), and the elective salary deferral limit to 401(k), 403(b), and 457 plans is $23,000 ($30,500 if over age 50). Starting in January 1, 2025, participants in qualified employer retirement plans such as 401(k) plans aged 60 to 63 can increase their “catch-up contributions” by 150% of the regular catch-up contribution of $7,500, for a total catch-up allowed of $11,250.
If your employer-sponsored plan allows post-tax contributions and in-plan Roth conversions, you can defer up to $69,000 in 2024 (including all company matches and forfeitures). The post-tax contributions effectively create a “mega-backdoor Roth IRA,” which means these contributions grow tax-deferred and can later be rolled into a tax-free Roth IRA.
Note that the deadline for making IRA and Roth IRA contributions for the tax year 2024 is April 15, 2025. If your spouse actively participates in their employer’s retirement plan, be aware that spousal IRA contributions are subject to income limits. Please discuss deductibility with your tax advisor to determine your contribution amounts.
If you are a business owner, consider contributing to a SEP IRA or establishing and contributing to a Solo 401(k) by year-end. Contributions to a SIMPLE IRA are capped at $16,000 per year, with an additional catch-up option of $3,500 if you are 50 or older. The contribution limit for SEP IRAs and profit-sharing/401(k) plans for business owners is 20% or 25% of compensation (depending on the business entity) up to a maximum of $69,000 for 2024. If you are a high-income taxpayer, deferring income could allow the 20% qualified business income (QBI) deduction on business income. The QBI deduction may apply if the deferment of income brings your income below the top income and capital gains brackets.
Convert Your Traditional IRA to a Roth IRA – If you believe your tax rate might be higher in the future because of greater expected income or higher tax rates, consider converting a portion of your traditional IRA (or other qualified retirement accounts) to a Roth IRA. A Roth IRA is attractive to those expecting higher taxes in the future because, unlike distributions from a traditional IRA, qualified withdrawals from a Roth IRA are income tax-free. If market volatility has impacted the value of your IRA, you can convert it in-kind to a Roth IRA. You will pay income tax on today’s value and experience the recovery tax-free in your Roth IRA. Additionally, reducing the value of your traditional IRA will reduce future RMDs, which might result in a lower tax rate in the future. Other factors to consider are that your income determines Medicare premiums and Social Security taxation; higher RMDs could result in higher taxes and Medicare surcharges. Of course, there is no free lunch, as you will have to pay income tax on the amount you convert.
The conversion typically makes sense if one or more of the following apply: (1) you have monies outside of your IRA to pay the income tax on the conversion, (2) you believe you will be in a higher income tax bracket later, (3) you are not planning on using the converted funds for several years to allow for tax-free compounding, or (4) you plan on leaving your IRA or Roth IRA to your heirs. Note that if you decide to convert to a Roth, you cannot undo it later, so be sure to check with your tax professional before converting.
Take Minimum Distributions from Retirement Plans – If you haven’t already, make sure to take your required minimum distributions (RMD) from your IRA(s) or qualified plan(s) before December 31, 2024. Keep in mind that the RMD age was changed with the passing of the SECURE Act 2.0 from age 72 to 73 and is set to change in 2033 to age 75. It is important to take at least your full RMD amount before year-end; the penalty for not distributing the minimum required amount is 25% of the amount required to be distributed but not withdrawn. RMDs are not required for Roth IRAs. If you were born in 1951, you reached age 73 in 2024 and must take your first RMD. You can delay your first RMD until April 2025, but you will have to take two RMDs in 2025. This may make sense if you have higher income for 2024 and project you might have less in 2025. Work with your tax advisor to determine the best strategy for you.
RMDs may also apply to certain inherited retirement accounts. The primary factors that determine whether an RMD must be taken from an inherited retirement account, as well as the timing and requirements, are as follows: (1) the date the account holder passed away, (2) the beneficiary’s relationship to the deceased account owner, and (3) the type of retirement account inherited. Working with your tax advisor is required to determine the amount of your RMD and the appropriate amount of income tax to withhold from your RMDs.
Convert Unused Education Funds to Roth IRAs – Consider rolling over unused 529 plan funds into a Roth IRA for the beneficiary, up to $7,000 this year. Keep in mind there is a lifetime limit of $35,000, and the 529 plan must have been open for at least 15 years. The contribution is subject to the beneficiary’s annual Roth IRA contribution limits ($7,000, reduced by other contributions to a Roth IRA or traditional IRA during the same calendar year) and may also be limited by earned income. Speak with your tax advisor for more details.
Charitable Planning
Consider a Qualified Charitable Distribution (QCD) – If you are charitably inclined and over age 70½, you can donate up to $105,000 (2024) from an IRA directly to a qualified public charity (not a private foundation, donor-advised fund, or supporting organization) to satisfy your charitable goals and prevent the distribution from being included in your taxable income. Making a direct donation from your IRA might lower your income and allow you to qualify for lower Medicare premiums and other income tax breaks. Note that contributing to an IRA after age 70 ½ reduces the amount transferable to a charity as a QCD. A QCD also counts toward your annual RMD. As a reminder, a QCD would not be taken as a charitable deduction on Schedule A (itemized deductions) as the amount is not included in your gross income like an RMD would have been.
Additionally, individuals may apply a portion of their annual limit for QCDs towards establishing a charitable remainder trust (CRT) or a charitable gift annuity (CGA) of up to $53,000 (2024). For example, an individual can transfer up to $53,000 from their IRA to one or more CRTs or CGAs and donate up to $52,000 from their IRAs to public charities for a total of $105,000 in Qualified Charitable Distributions.
Donate Appreciated Securities or Cash to Charity – If you plan to donate to charity this year, consider donating with appreciated stock or mutual funds you have held for more than one year. If you itemize your deductions, you can deduct the full fair market value of the securities (limited to 30% of adjusted gross income for public charities and 20% for private charities, with the excess carried forward for five years). You will also avoid the capital gains tax you would otherwise pay on the sale of those securities. If you do not think you will itemize every year, consider combining several years of charitable donations into one year using a donor-advised fund. A donor-advised fund allows you to take the income tax deduction this year but direct the fund to make donations to your chosen charities over many years. Please let your advisor know if you would like to gift securities from your accounts, as it takes some time to facilitate the transfer. Be sure to obtain a receipt and a written acknowledgment from the charity describing the donation and anything you received in exchange for it. For more information, read our piece on Thoughtful Charitable Giving.
Gift Planning
Make Annual Exclusion Gifts to Family – For those who want to help family members, the 2024 annual exclusion allows you to make tax-free transfers of $18,000 (or $36,000 for married couples) per recipient in cash or property without reducing your lifetime estate and gift tax exclusion amount. These tax-free transfers do not require filing a gift tax return (unless you split gifts with your spouse). If gifting cash, be sure checks are deposited before year-end to count for your 2024 annual exclusion. Consider creative ways to give to your children, grandchildren, and loved ones:
Planning for Itemized Deductions
2024 Key Federal Itemized and Standard Deductions – The standard deduction is $14,600 for single filers and $29,200 for joint filers. If your itemized deductions exceed the standard deduction, you should itemize. Key itemized deductions:
Pass-Through Entity Tax (PTET) – Currently, 36 states have enacted a PTET since the Tax Cuts and Jobs Act (TCJA) limited the deductibility of state and local income taxes after 2017. The PTET allows taxpayers of pass-through entities to opt into paying state income tax on net income at the entity level, which reduces income for federal income tax purposes. For most taxpayers, this will reduce federal income taxes, similar to when state income taxes were fully deductible before the TCJA. However, there are a few caveats, so opting in does not always make sense. A call with your tax advisor is required to determine if this is right for you. The election must be made, and state income taxes must be paid before December 31, 2024, to benefit from the deduction this year.
Maximize contributions to HSA plans – You can contribute $4,150 for individuals and $8,300 for families ($1,000 catch-up for those age 55 and over). You have until April 15, 2025, to deduct contributions to an HSA plan for the 2024 tax year. Also, be sure to submit all HSA and FSA receipts for reimbursement. If you have already met your health insurance deductible for the year, consider completing any additional medical procedures before the end of the year.
Important Year-End Planning Consideration – The Corporate Transparency Act
Due to the Corporate Transparency Act (CTA) passed in 2021, beginning January 1, 2024, most small business entities, including LLCs and corporations, must report the beneficial owners (i.e., those who own 25% or more). This includes entities that may have been structured for estate planning purposes. The Beneficial Ownership Information (BOI) report must be submitted to the Treasury Department’s Financial Crimes Enforcement Network (FinCEN) before January 1, 2025. There are a few exemptions and many nuances, so work with your tax and legal advisors (depending on complexity) as soon as possible to ensure this information is filed timely, as there are hefty fines for failure to file (up to $500 per day until the violation is corrected). Although there are challenges to the fate of the CTA, filing is still required.
Final Thoughts into 2025
Much of the current tax policy set under the 2017 Tax Cuts and Jobs Act expires at the end of 2025. However, given the recent election results, we anticipate tax legislation in 2025. Many expect that most of the provisions under the TCJA will be modified or extended. This could be favorable for taxpayers, most notably as such changes may relate to extending the current lower individual income tax rates and the higher estate and gift tax exclusion amounts.
If you could benefit from a conversation with our advisory team, we would be happy to provide a complimentary consultation.
[1] Check with your tax advisor whether your state has conformed to the 2017 CJA. For example, California and New York have not conformed to Federal law for itemized deductions and still allow a deduction on state tax returns for property taxes, miscellaneous itemized deductions, including investment advisory fees, and mortgage interest on new loans up to $1,000,000.
Important Disclosure: This report is for informational purposes only. Opinions expressed herein are subject to change without notice. Beacon Pointe has exercised all reasonable professional care in preparing this information. The information has been obtained from sources we believe to be reliable; however, Beacon Pointe has not independently verified, or attested to, the accuracy or authenticity of the information. Nothing contained herein should be construed or relied upon as investment, legal, or tax advice. All investments involve risks, including the loss of principal. Investors should consult with their financial professionals before making any investment decisions. Past performance is not a guarantee of future results.
Copyright © 2024 Beacon Pointe Advisors, LLC®. No part of this document may be reproduced.
Decluttering isnt just something you do when preparing to sell your home or downsize. The truth iswe all have clutter! But before you dive in, ask yourself: Does your home feel more like a storage unit than a sanctuary? Are you constantly searching for misplaced items? Do you feel overwhelmed by the sheer amount of stuff around you? If you answered yes to any of these questions, now is the perfect time to begin your decluttering journey. It might feel daunting at first, but the benefits of a clutter-free home are realand they can significantly enhance your daily life. Here are 10 powerful reasons to declutter your home right now: 1. Reduce Stress and Anxiety Clutter can be visually overwhelming and create a sense of chaos that contributes to stress and anxiety. A tidy, organized space fosters a more peaceful environment, helping you to relax and unwind. Studies have even linked clutter to higher cortisol (stress hormone) levels in women. 2. Improve Mental Clarity and Focus A cluttered space often leads to a cluttered mind. By removing unnecessary items, you create visual and mental claritymaking it easier to focus and think clearly. 3. Save Time and Money How much time do you spend looking for keys, documents, or that one missing sock? Decluttering ensures everything has its place. Plus, rediscovering lost items might save you from making duplicate purchases. 4. Enhance Productivity A clean, organized environmentwhether its your home office or kitchencan boost productivity. With fewer distractions, youll find it easier to stay on task and get things done. 5. Make Cleaning Easier Less clutter = less to clean! Its that simple. Fewer items mean less dusting, less rearranging, and faster, easier cleaning routines. 6. Create More Space Decluttering opens up your home and makes it feel more spacious. You might be surprised at how much larger and more functional your rooms feel without all the excess. 7. Improve Health and Safety Clutter can harbor dust, allergens, and even mold. It can also become a tripping hazard. A clutter-free home is not only cleaner but safer and healthier, too. 8. Boost Your Mood and Well-being Your surroundings have a direct impact on your mood. A clean, well-organized space promotes feelings of happiness, calm, and control over your environment. 9. Make Your Home More Welcoming Whether youre hosting guests or simply enjoying your own space, a decluttered home is more inviting. It reflects pride in your living environment and creates a warm, welcoming atmosphere. 10. Gain a Sense of Accomplishment Theres something incredibly satisfying about seeing the results of your decluttering efforts. That sense of accomplishment can motivate you to maintain a tidy, organized space moving forward. Getting Started: One Step at a Time Decluttering doesnt have to be overwhelming. Start smallchoose a drawer, a single shelf, or one corner of a room. As you begin to see progress, youll feel more inspired to continue. Be patient with yourself, take breaks, and celebrate each step forward! Decluttering your home is a gift to yourselfan investment in your peace of mind, health, and happiness. So why wait? Start today and experience the transformation of a clutter-free home. Need Help? If youd like support along the way, were here for you! Call us at 941-275-2914 or visit https://linktr.ee/NaplesParadiseLiving to learn more about how we can help.
your portfolio 100% stocks? The stock markets can be a great source of financial gains and losses. Being fully invested in the stock market carries a lot of risk. Traditional investing reduces risk by replacing some of your stocks with lower growth, lower risk holdings. YOU LOSE LESS BY EARNING LESS.But now you dont need to earn less to protect your money. Newer strategies keep you fully invested for better growth when the market is rising and better protected with a safety net when the market falls. Your portfolio value rises faster when the gains arent used to replenish prior losses! EARN MORE BY LOSING LESS!ASK ME TO DEMONSTRATE HOW THESE STRATEGIES CAN HELP YOU EARN MORE:Mark Fenton (239) 404-6750 markfenton239@gmail.comGrowthNetSolutions.comMark Fenton offers investment advisory services through Portfolio Medics, a Florida registered investment adviser. This is not a solicitation for services or products. For educational purposes only. GrowthNet Solutions and Portfolio Medics are not affiliated.
Hospice supports people near the end of life with compassionate care by:Developing individualized care plans focused on each patients goals and wishesManaging symptoms and painImproving quality of life in the patients preferred setting of careEncouraging patients and their families to make the most of their time togetherAt VITAS, our care model is inclusive and is designed to meet the unique needs of diverse patients facing a broad array of advanced illnesses, medical conditions, and accompanying symptoms.Once a patient is deemed eligible for hospice by their physician, the transition can start as soon as theyor the person who is designated to make healthcare decisions on their behalfagrees to shift from a curative focus and begin hospice services.Whether youre a patient, family member, or clinician who treats patients with serious illnesses, having correct information about hospice services can help you make the best decisions about whether hospice care is appropriate.Table of Contents:What Services Does Hospice Provide?What Is Usually Not Included in Hospice Care?What Is the Difference Between Hospice and Palliative Care?Who Is Eligible for Hospice Care?Where Can You Receive Hospice Care?How Long Does Hospice Last?How Do You Pay for Hospice?Begin the Hospice Conversation EarlyWhat to Ask Your Hospice ProviderWhat VITAS Will Do for You in Hospice CareWhat Services Does Hospice Provide?Hospice offers compassionate care to improve the quality of life for seriously ill patients who have a prognosis of six months or less if the disease runs its course as expected.Because hospice is not a place, patients can remain in their home, whether that is a private home or senior living community such as senior living, memory care, or a nursing home. Services include:Clinical symptom and pain management, including medications to help with symptoms.Care coordination, including the delivery of home medical equipment and supplies related to the cause of the illness. This includes shower chairs, oxygen tanks, hospital beds, toileting supplies, and more.Training for family members or friends who are the primary caregiver(s).An expert, multi-disciplinary team makes regular, scheduled visits to the patients household. For patients who live in senior living communities and nursing homes, the hospice team works with the facility staff.Therapies, including physical and occupational therapy. VITAS also offers respiratory therapy, music therapy, and spiritual and complimentary therapies in many programs.Spiritual support and bereavement care.Around-the-clock access to a clinical expert who can treat and triage over the phone or via a telehealth visit.When medically necessary as per Medicare guidelines, VITAS offers Intensive Comfort Care(R), a higher level of care when patients experience symptom exacerbation. Care is delivered at the patients bedside in temporary shifts of 8-24 hours until symptoms stabilize.Short-term care in an inpatient hospice unit as needed (for patients) or respite care (for caregivers)A minimum of 13 months of grief and bereavement support for patients loved ones.What Is Usually Not Included in Hospice Care?Below are some items that are not included in the hospice benefit:Medications unrelated to the patients serious illness.Emergency room care not arranged by the patients hospice care provider.Curative treatments intended to heal the patient. If a new curative medication, therapy, or treatment for the patients serious illness becomes available, they can withdraw from hospice care to receive it.Housing or room and board, aside from an inpatient unit hospice stay when medically necessary. The patient and their loved ones remain responsible for their home, assisted living community, or nursing home and related costs such as rent, mortgage, and food.What Is the Difference Between Hospice and Palliative Care?Palliative care can occur at any point in life, for any duration, and it can occur in conjunction with curative care.Hospice is for patients who are not responding to disease-directed treatments and are expected to live six months or less.Both types of care offer pain and symptom relief with clinical and psychosocial services. Hospice is the only one of these options covered by the Medicare Hospice Benefit (Medicare Part A).Who Is Eligible for Hospice Care?A patients physician will determine hospice eligibility based on the patients prognosis. Hospice becomes an option when curative treatments are no longer effective and the patient has a life expectancy of six months or less as certified by their attending physician and a hospice doctoreither the hospices medical director or the directors designee. Increased hospitalizations or emergency department visits, typically more than three per year, may be a sign of hospice eligibility.Diseases that may lead to functional decline and hospice eligibility include:CancerCardiac and circulatory diseasesDementia/AlzheimersEnd-stage liver or kidney diseaseRespiratory diseasesStroke, neurological diseases, ALS (Lou Gehrigs disease)Sepsis and post-sepsis syndromeHospice care remains a patients choice. Patients can choose to stop receiving hospice services or revoke hospice without a physicians consent. They can then resume curative efforts. If they decide to return to hospice, they can do so as long as they meet eligibility guidelines.Where Can You Receive Hospice Care?Hospice is a service provided by a team of experts that comes to the patient in the place they prefer to receive end-of-life care. This means patients can remain surrounded by the faces and things they know and love:In a private homeIn a senior living communityIn a nursing homeWhen medically necessary, shortterm treatment in an inpatient unit is available for some hospice patients.How Long Does Hospice Last?There is no limit to the amount of time a patient can receive hospice care. Although hospice is for patients who have six months or less to live according to a physician, the patients stay can be extended when necessary.Eligible patients benefit most from hospice services if they are referred early in their end-of-life journey. In surveys, family members often say, We wish we had known about hospice sooner.How Do You Pay for Hospice?Most hospice patients do not have any out-of-pocket expenses. Medicare Part A covers up to 100% of the cost of hospice care related to a hospice-eligible patients illness, with no deductible or copayment.Private or employer-provided health coverage can vary. Check with your insurance provider for details about hospice eligibility, coverage, and out-of-pocket expenses. Medicaid provides hospice coverage, but specific services and eligibility criteria vary by state.Begin the Hospice Conversation EarlyHospice care provides the most meaningful improvement to the patients quality of life when it begins sooner in their disease process rather than later.VITAS recommends end-of-life care conversations begin as soon as a serious diagnosis is made. Patients can ensure that they receive the care they wantand when they want itby having early and ongoing discussions about their care goals and preferences with their family, physicians, or facility staff.Physicians can help patients understand their options and identify their preferences during advance care planning sessions and goals-of-care consultations. These Medicare-reimbursed discussions result in advance directives, medically binding documents that indicate how a patient should be treated, under what circumstances they should be resuscitated, who can make medical decisions on their behalf, and more.Everyone over the age of 18 should have an advance directive to maintain control over their care in case they become unable to speak for themselves. Advance directives include living wills, durable/medical powers of attorney, a Five Wishes document, physician/medical orders for life-sustaining treatment, and other important documents.Questions to Ask Your Hospice ProviderWhen considering hospice care for yourself or a loved one, understanding a potential providers capabilities, history, and philosophy will enable you to make a more confident care decision. These questions can clarify whether a provider is a good fit for a patient:How are hospice costs covered? Does the provider accept Medicare, Medicaid, VA benefits, and private insurance?What levels of care are provided? How often will care team members visit the patient at home?What is the admissions process? How quickly can care begin?What happens in the case of an emergency or an episode of aggressive symptoms? Does the provider offer 24/7 support?Can the provider manage complex symptoms at home? Do they offer specialized services for respiratory disease, dementia, cancer, heart disease, sepsis, HIV/AIDS, etc.?Is population-specific care available for veterans, LGBTQ+ patients, religious minorities, etc.? Can the provider accommodate and honor specific religious or cultural traditions?What VITAS Will Do for You in Hospice CareVITAS is guided by a core value: Patients and families come first. Every VITAS service is designed to surround patients, their families, and caregivers with support that elevates quality of life, manages their symptoms and pain, and ensures comfort and dignity during one of lifes most difficultbut meaningfulperiods.Once a patient is ready to consider hospice care, VITAS can typically conduct an eligibility assessment within 24 hours and, if appropriate, begin an immediate transition to our services. We can take on new patients day or night, even on holidays and weekends.This always-available approach defines our entire care model. Clinical support for patients, families, and caregivers is never more than a phone call away.A VITAS interdisciplinary care team is assigned to each patient, working from an individualized care plan built around the patients unique needs, goals, and preferences.Members of the teamincluding a physician, nurse, aide, social worker, chaplain, bereavement counselor, and other specialistswill visit routinely to manage the patients clinical, psychosocial, and spiritual symptoms. Visit frequency depends on the needs of each patient and family.Upon the patients death, spiritual staff and other members of the care team can be present to assist with end-of-life rituals, funeral home arrangements, and the challenges of grieving.For at least 13 months after the patients death, VITAS bereavement specialists continue to help the family navigate their loss with personal check-ins, grief support groups, and other practical measures.
Beacon Pointe is one of the nations largest Registered Investment Advisory (RIA) firms, providing comprehensive financial solutions for institutions, defined contribution plans, high-net-worth individuals, and families. Our success is driven by our peoplea team of talented, diverse, and passionate professionals committed to fostering an uplifting company culture and delivering premier service experiences to our clients.Our ServicesPrivate Wealth ServicesOur Private Wealth Management services offer comprehensive wealth planning and customized investment strategies, empowering clients to make well-informed financial decisions that align with their life goals.Institutional ConsultingWe provide objective and transparent investment solutions, offering long-term strategic planning tailored to the unique portfolio goals and mission of each institutional client.Retirement Plan ServicesOur team delivers expert investment guidance and comprehensive service solutions for 401(k)s, 403(b)s, and non-qualified deferred compensation plans, ensuring clients receive the highest level of fiduciary support.Advisor PartnershipsBeacon Pointe collaborates with successful RIAs and wealth advisors nationwide, fostering synergistic partnerships focused on enhancing efficiencies, value, and long-term growth.With a client-centric, fiduciary-first approach, Beacon Pointe is dedicated to providing strategic financial guidance that helps individuals, families, and institutions achieve lasting financial success.
Beacon Pointe is one of the nations largest Registered Investment Advisory (RIA) firms, providing comprehensive financial solutions for institutions, defined contribution plans, high-net-worth individuals, and families. Our success is driven by our peoplea team of talented, diverse, and passionate professionals committed to fostering an uplifting company culture and delivering premier service experiences to our clients.Our ServicesPrivate Wealth ServicesOur Private Wealth Management services offer comprehensive wealth planning and customized investment strategies, empowering clients to make well-informed financial decisions that align with their life goals.Institutional ConsultingWe provide objective and transparent investment solutions, offering long-term strategic planning tailored to the unique portfolio goals and mission of each institutional client.Retirement Plan ServicesOur team delivers expert investment guidance and comprehensive service solutions for 401(k)s, 403(b)s, and non-qualified deferred compensation plans, ensuring clients receive the highest level of fiduciary support.Advisor PartnershipsBeacon Pointe collaborates with successful RIAs and wealth advisors nationwide, fostering synergistic partnerships focused on enhancing efficiencies, value, and long-term growth.With a client-centric, fiduciary-first approach, Beacon Pointe is dedicated to providing strategic financial guidance that helps individuals, families, and institutions achieve lasting financial success.
Beacon Pointe is one of the nations largest Registered Investment Advisory (RIA) firms, providing comprehensive financial solutions for institutions, defined contribution plans, high-net-worth individuals, and families. Our success is driven by our peoplea team of talented, diverse, and passionate professionals committed to fostering an uplifting company culture and delivering premier service experiences to our clients.Our ServicesPrivate Wealth ServicesOur Private Wealth Management services offer comprehensive wealth planning and customized investment strategies, empowering clients to make well-informed financial decisions that align with their life goals.Institutional ConsultingWe provide objective and transparent investment solutions, offering long-term strategic planning tailored to the unique portfolio goals and mission of each institutional client.Retirement Plan ServicesOur team delivers expert investment guidance and comprehensive service solutions for 401(k)s, 403(b)s, and non-qualified deferred compensation plans, ensuring clients receive the highest level of fiduciary support.Advisor PartnershipsBeacon Pointe collaborates with successful RIAs and wealth advisors nationwide, fostering synergistic partnerships focused on enhancing efficiencies, value, and long-term growth.With a client-centric, fiduciary-first approach, Beacon Pointe is dedicated to providing strategic financial guidance that helps individuals, families, and institutions achieve lasting financial success.