<SEC-DOCUMENT>0001951757-25-000132.txt : 20250127 <SEC-HEADER>0001951757-25-000132.hdr.sgml : 20250127 <ACCEPTANCE-DATETIME>20250127094744 ACCESSION NUMBER: 0001951757-25-000132 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20241231 FILED AS OF DATE: 20250127 DATE AS OF CHANGE: 20250127 EFFECTIVENESS DATE: 20250127 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: 25556047 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> <DOCUMENT> <TYPE>13F-HR <SEQUENCE>1 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission 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TR</ns1:nameOfIssuer> <ns1:titleOfClass>ESG AW MSCI EAFE</ns1:titleOfClass> <ns1:cusip>46435G516</ns1:cusip> <ns1:value>419051</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5504</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>5504</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>J P MORGAN EXCHANGE TRADED F</ns1:nameOfIssuer> <ns1:titleOfClass>NASDAQ EQT PREM</ns1:titleOfClass> <ns1:cusip>46654Q203</ns1:cusip> <ns1:value>848838</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>15056</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>15056</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>JOHNSON & JOHNSON</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>478160104</ns1:cusip> <ns1:value>811313</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5610</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>5610</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>514096</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1220</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>1220</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>1749465</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>13028</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>13028</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>1394063</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>15418</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>15418</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>907341</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>35005</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>35005</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>10922651</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>328896</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>328896</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>4962140</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>181630</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>181630</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>928788</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>39222</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>39222</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>7050643</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>17459</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>17459</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>977786</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5299</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>5299</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>6019494</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>25052</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>25052</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>1010986</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3984</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>3984</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>355773</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>867</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>867</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>S&P 500 ETF SHS</ns1:titleOfClass> <ns1:cusip>922908363</ns1:cusip> <ns1:value>597899</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1110</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>1110</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>521394</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2662</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>2662</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>262626</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4457</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>4457</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>2689443</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>19089</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>19089</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>1073879</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>13425</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>13425</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>1269113</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>12099</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>12099</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>3291058</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>26113</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>26113</ns1:None> </ns1:votingAuthority> </ns1:infoTable> </ns1:informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>