Beacon Hill Private Wealth

05/24/2026

Recently contributed to a Wall Street Journal article discussing the growing number of ways investors can gain exposure to private companies before an IPO.

One thing I’m seeing more often is that the excitement around the company can sometimes overshadow the structure of the investment itself.

With many of these vehicles, understanding what you actually own, the liquidity, the fees, and the tax considerations can matter just as much as the company name attached to it.

I appreciated the opportunity to contribute to Hannah Erin Lang’s piece on the topic.

https://www.wsj.com/finance/investing/private-company-stock-what-to-know-fdf67ed2

Adding a sliver of the hottest private companies to your portfolio can be far more tricky than buying stocks.

03/18/2026

We were recently quoted in a CNBC article discussing stagflation and what it could mean for investors.

While terms like this can resurface during periods of uncertainty, the focus in our client conversations remains consistent: making sure portfolios, cash reserves, and spending plans are structured to navigate a range of economic environments.

In practice, that often comes down to maintaining diversification, holding appropriate liquidity for near-term needs, and avoiding the need to make reactive decisions during periods of market stress.

You can read the full article below:

Conflict in Iran has sent oil prices up, prompting some experts to worry that a worst-case scenario called stagflation could be possible for the U.S. economy.

12/28/2025

Helping individuals and families bring clarity and discipline to complex financial decisions through planning-first, evidence-based guidance.

12/28/2025

Featured in Investor’s Business Daily:

Retirement planning for 2026 is less about reacting to headlines and more about revisiting assumptions – especially around taxes, income sources, and portfolio structure.

Investor’s Business Daily examined planning considerations for the year ahead, including tax changes, income coordination, and portfolio adjustments for retirees and near-retirees. Tom Geoghegan of Beacon Hill Private Wealth commented on the importance of revisiting assumptions early and aligning investment and tax decisions as circumstances evolve.

👉 Read the full article:

Retirement planning for the year ahead? Lower your income tax and grow your portfolio with these smart investment strategies.

04/22/2025

📘 College Costs and Market Volatility: What 529 Investors Need to Know - As Featured in Bloomberg 📘

With stock markets under pressure, many families funding college through 529 plans are feeling the pinch.

Bloomberg’s latest piece includes perspective from Tomas Geoghegan, CFP®, CIMA®, CPWA®, RMA®, founder of Beacon Hill Private Wealth, on how parents can stay focused - or even find opportunity - depending on where they are in the college savings journey.

"While parents with kids who are close to attending school should focus on preserving capital, those with younger students could use the current moment to increase their 529 contributions," says Geoghegan. "These families can benefit from lower valuations, dollar-cost averaging, and the compounding effect of time."

🔹 What matters most in today’s environment?
✔ Align your risk with the age of your child
✔ Preserve capital near tuition dates
✔ Consider increasing contributions when markets dip (for long-term savers)

A thoughtful glide path - not guesswork - is key to protecting and growing education savings.

📖 Full article: https://www.bloomberg.com/news/articles/2025-04-22/529-college-savings-plans-stock-market-drop-hits-parents-paying-tuition

Families preparing to cover college bills with money in the popular investment accounts have taken a hit with stocks moving lower.

03/16/2025

📉 The Risk Retirees Can’t Afford to Ignore—As Featured in Bloomberg 📉

With the S&P 500 down over 9% and market volatility on the rise, retirees face an often-overlooked danger: sequence of return risk.

“Early losses while withdrawing funds can severely impact a portfolio’s longevity,” says Tomas Geoghegan, founder of Beacon Hill Private Wealth, in a recent Bloomberg feature. “It’s one of the biggest but most underappreciated risks in retirement.”

Many retirees hesitate to diversify due to capital gains taxes, planning to de-risk gradually. But markets don’t wait for tax efficiency—a sudden correction can wipe out more value than the taxes they were trying to avoid.

🔹 What can retirees do?
✔ Hold shorter-term safe assets (like U.S. Treasuries) to cover near-term expenses.
✔ Avoid selling equities in a downturn, preserving long-term assets for recovery.
✔ Structure a balanced, risk-aware portfolio that supports financial security.

At Beacon Hill Private Wealth, we help investors navigate uncertainty with confidence. If you're concerned about portfolio risk in today’s markets, let’s talk.

📖 Read more in Bloomberg: https://www.bloomberg.com/news/articles/2025-03-13/stock-market-drop-baby-boomers-face-retirement-risk-from-plunging-s-p-500

Economic consequences for the nation’s wealthiest generation could be severe if the market sees a persistent period of losses.

02/21/2025

Corporate executives face strict regulations when trading company stock. We explain how to strategically sell company stock while ensuring SEC compliance and meeting financial goals. Learn how to mitigate risks and optimize your trading plan—read more today!

Learn how corporate executives can leverage Rule 10b5-1 trading plans to sell company stock legally and strategically. This SEC-approved method allows executives to prearrange stock sales, diversify their portfolios, and avoid insider-trading allegations. Understand the key benefits, compliance tips...

02/21/2025

Ensuring accurate tax withholdings is crucial to avoid unexpected tax bills or penalties. Our latest article provides essential guidance for both employees and business owners on managing withholdings and estimated tax payments effectively. Stay informed and take control of your tax planning today.

Tax Season is Here: Are Your Withholdings on Track? February 17, 2025 April 15 might still feel far away, but as the tax filing deadline approaches, you might hear people saying, “My refund was huge” or “I can’t believe I owed that much this year!” With these phrases common, taxpayers may ...

10/14/2024

Think indexing is passive? It’s more than meets the eye. In our latest blog, we break down the critical active decisions—from index selection to rebalancing—that shape your portfolio’s success. Explore how an evidence-based approach can help maximize returns and minimize risk for long-term financial growth.

Discover why indexing isn’t as passive as it seems. In this insightful blog, we explore the active decisions that influence your portfolio’s performance, from index selection to rebalancing. Learn how Beacon Hill Private Wealth utilizes evidence-based investing to maximize returns and minimize r...

09/19/2024

Negotiating stock options or RSUs? Understanding the fine print is crucial to maximizing the value of your equity compensation. Learn key strategies for negotiation, termination protections, and tax implications to ensure you're making the most informed decisions for your financial future.

Negotiating stock options or RSUs? Understanding the fine print is crucial to maximizing the value of your equity compensation. Learn key strategies for negotiation, termination protections, and tax implications to ensure you're making the most informed decisions for your financial future.