<SEC-DOCUMENT>0001951757-24-001110.txt : 20241024
<SEC-HEADER>0001951757-24-001110.hdr.sgml : 20241024
<ACCEPTANCE-DATETIME>20241024084610
ACCESSION NUMBER:		0001951757-24-001110
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240930
FILED AS OF DATE:		20241024
DATE AS OF CHANGE:		20241024
EFFECTIVENESS DATE:		20241024

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BEACON FINANCIAL PLANNING, INC
		CENTRAL INDEX KEY:			0001966066
		ORGANIZATION NAME:           	
		IRS NUMBER:				473289125
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-23117
		FILM NUMBER:		241390841

	BUSINESS ADDRESS:	
		STREET 1:		72 PINE STREET
		CITY:			HYANNIS
		STATE:			MA
		ZIP:			02601
		BUSINESS PHONE:		508-790-7039

	MAIL ADDRESS:	
		STREET 1:		72 PINE STREET
		CITY:			HYANNIS
		STATE:			MA
		ZIP:			02601
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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      <periodOfReport>09-30-2024</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2024</reportCalendarOrQuarter>
      <filingManager>
        <name>BEACON FINANCIAL PLANNING, INC</name>
        <address>
          <com:street1>72 PINE STREET</com:street1>
          <com:city>HYANNIS</com:city>
          <com:stateOrCountry>MA</com:stateOrCountry>
          <com:zipCode>02601</com:zipCode>
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    <signatureBlock>
      <name>Michaela Herlihy</name>
      <title>Chief Compliance Officer</title>
      <phone>(508) 790-7039</phone>
      <signature>Michaela Herlihy</signature>
      <city>Hyannis</city>
      <stateOrCountry>MA</stateOrCountry>
      <signatureDate>10-24-2024</signatureDate>
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            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>JOHNSON &amp; JOHNSON</ns1:nameOfIssuer>
                <ns1:titleOfClass>COM</ns1:titleOfClass>
                <ns1:cusip>478160104</ns1:cusip>
                <ns1:value>908515</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>5606</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>5606</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>MICROSOFT CORP</ns1:nameOfIssuer>
                <ns1:titleOfClass>COM</ns1:titleOfClass>
                <ns1:cusip>594918104</ns1:cusip>
                <ns1:value>524275</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>1218</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>1218</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>NVIDIA CORPORATION</ns1:nameOfIssuer>
                <ns1:titleOfClass>COM</ns1:titleOfClass>
                <ns1:cusip>67066G104</ns1:cusip>
                <ns1:value>1316984</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>10845</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>10845</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>PIMCO ETF TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>ACTIVE BD ETF</ns1:titleOfClass>
                <ns1:cusip>72201R775</ns1:cusip>
                <ns1:value>2118195</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>22389</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>22389</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>PIMCO ETF TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>MULTISECTOR BD</ns1:titleOfClass>
                <ns1:cusip>72201R585</ns1:cusip>
                <ns1:value>423444</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>15889</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>15889</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>FUNDAMENTAL INTL</ns1:titleOfClass>
                <ns1:cusip>808524755</ns1:cusip>
                <ns1:value>13078182</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>349965</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>349965</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>US DIVIDEND EQ</ns1:titleOfClass>
                <ns1:cusip>808524797</ns1:cusip>
                <ns1:value>4601532</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>54437</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>54437</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer>
                <ns1:titleOfClass>FUNDAMENTAL US L</ns1:titleOfClass>
                <ns1:cusip>808524771</ns1:cusip>
                <ns1:value>929782</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>12957</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>12957</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>TESLA INC</ns1:nameOfIssuer>
                <ns1:titleOfClass>COM</ns1:titleOfClass>
                <ns1:cusip>88160R101</ns1:cusip>
                <ns1:value>4515211</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>17258</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>17258</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD ADMIRAL FDS INC</ns1:nameOfIssuer>
                <ns1:titleOfClass>500 VAL IDX FD</ns1:titleOfClass>
                <ns1:cusip>921932703</ns1:cusip>
                <ns1:value>387543</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>2032</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>2032</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer>
                <ns1:titleOfClass>SMALL CP ETF</ns1:titleOfClass>
                <ns1:cusip>922908751</ns1:cusip>
                <ns1:value>5221039</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>22010</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>22010</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer>
                <ns1:titleOfClass>MCAP GR IDXVIP</ns1:titleOfClass>
                <ns1:cusip>922908538</ns1:cusip>
                <ns1:value>968669</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>3979</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>3979</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer>
                <ns1:titleOfClass>GROWTH ETF</ns1:titleOfClass>
                <ns1:cusip>922908736</ns1:cusip>
                <ns1:value>337368</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>879</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>879</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer>
                <ns1:titleOfClass>S&amp;P 500 ETF SHS</ns1:titleOfClass>
                <ns1:cusip>922908363</ns1:cusip>
                <ns1:value>616177</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>1168</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>1168</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD SPECIALIZED FUNDS</ns1:nameOfIssuer>
                <ns1:titleOfClass>DIV APP ETF</ns1:titleOfClass>
                <ns1:cusip>921908844</ns1:cusip>
                <ns1:value>536337</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>2708</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>2708</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD STAR FDS</ns1:nameOfIssuer>
                <ns1:titleOfClass>VG TL INTL STK F</ns1:titleOfClass>
                <ns1:cusip>921909768</ns1:cusip>
                <ns1:value>285342</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>4408</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>4408</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD WELLINGTON FD</ns1:nameOfIssuer>
                <ns1:titleOfClass>US QUALITY</ns1:titleOfClass>
                <ns1:cusip>921935706</ns1:cusip>
                <ns1:value>2657332</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>18598</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>18598</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD WHITEHALL FDS</ns1:nameOfIssuer>
                <ns1:titleOfClass>INTL DVD ETF</ns1:titleOfClass>
                <ns1:cusip>921946810</ns1:cusip>
                <ns1:value>365270</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>4138</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
                    <ns1:Shared>0</ns1:Shared>
                    <ns1:None>4138</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>VANGUARD WORLD FD</ns1:nameOfIssuer>
                <ns1:titleOfClass>ESG US STK ETF</ns1:titleOfClass>
                <ns1:cusip>921910733</ns1:cusip>
                <ns1:value>1226603</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>12067</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
                </ns1:shrsOrPrnAmt>

                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
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                    <ns1:None>12067</ns1:None>
                </ns1:votingAuthority>
            </ns1:infoTable>

            <ns1:infoTable>
                <ns1:nameOfIssuer>WELLTOWER INC</ns1:nameOfIssuer>
                <ns1:titleOfClass>COM</ns1:titleOfClass>
                <ns1:cusip>95040Q104</ns1:cusip>
                <ns1:value>1718427</ns1:value>
                <ns1:shrsOrPrnAmt>
                    <ns1:sshPrnamt>13422</ns1:sshPrnamt>
                    <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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                <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion>

                <ns1:votingAuthority>
                    <ns1:Sole>0</ns1:Sole>
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                </ns1:votingAuthority>
            </ns1:infoTable>
        </ns1:informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>