BEACON WEALTHCARE LLC

DISCLOSURE DOCUMENT – FORM ADV PART 2A Registered Investment Advisor’s Name: Beacon Wealthcare, LLC. IARD/CRD Number: CRD 312556 Main Office Mailing Address: 1633 Glenwood Avenue, Raleigh NC 27608 Main Business Phone: (919) 821--5225 Primary Website: beaconwc.com This Brochure provides information about the qualifications and business practices of Beacon Wealthcare, LLC. (“BEACON”). If you have any questions about the content of this Brochure, please contact Patty Hall of BEACON’s Compliance Department at (919) 821-5225 or at phall@beaconwc.com The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission (the “SEC”) or by any state securities authority. BEACON is an SEC registered investment advisor. Registration of an investment advisor does not imply any level of skill or training. The oral and written communications distributed by BEACON provide you with information to assist you in determining whether to hire BEACON as your Investment Advisor. Additional information about BEACON is also available on the SEC's website at www.adviserinfo.sec.gov. The searchable IARD/CRD number for Beacon Wealthcare, LLC. is listed above. Dated: January 07, 2026 ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 1  Item 2 – Material Changes This section is used to identify any material changes since the last annual update. The following material changes have occurred since the last filing: Beacon has removed the Schwab Intelligent Portfolios Solutions as an offered service (“SIPS”). Charles Schwab has retired this platform. ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 2  Item 3 – Table of Contents Item 2 – Material Changes ................................................................................................................................ 2 Item 3 –Table of Contents ……………………………………………………………………………………………3 Item 4 – Advisory Business ............................................................................................................................... 5 Company History ........................................................................................................................................... 5 Principals of the Firm ..................................................................................................................................... 5 Services ......................................................................................................................................................... 5 Customization of Client Accounts .................................................................................................................. 7 Wrap Fee Programs ...................................................................................................................................... 7 Assets Under Management ........................................................................................................................... 7 Item 5 – Fees and Compensation ..................................................................................................................... 7 Fees and Compensation................................................................................................................................ 7 Item 6 – Performance-Based Fees and Side-by-Side Management ................................................................. 8 Item 7 – Types of Clients ................................................................................................................................... 8 ERISA...………………………………………………………………………………………………………………8 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss .......................................................... 9 Investment Strategies .................................................................................................................................... 9 Methods of Analysis ....................................................................................................................................... 9 Investment Risk………………………………………………………………………………………………………10 Item 9 – Disciplinary Information…………………………………………………………………………………......11 Item 10 – Other Financial Industry Activities and Affiliations………………………………………………………11 Other Registrations ...................................................................................................................................... 11 Affiliations ..................................................................................................................................................... 11 Outside Investment Advisors ....................................................................................................................... 11 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ................... 11 Item 12 – Brokerage Practices ........................................................................................................................ 12 Broker Selection .......................................................................................................................................... 12 Soft Dollar Arrangements ................................................................................................................................ 12 Brokerage for Client Referrals ......................................................................................................................... 12 Directed Brokerage.......................................................................................................................................... 13 Aggregation of Orders ..................................................................................................................................... 13 Item 13 – Review of Accounts ......................................................................................................................... 13 Reconciliation of Client Accounts................................................................................................................. 13 Financial Plan Review .................................................................................................................................. 13 Regular Reports ........................................................................................................................................... 14 Item 14 – Client Referrals and Other Compensation ...................................................................................... 14 Item 15 – Custody ........................................................................................................................................... 14 Item 16 – Investment Discretion ...................................................................................................................... 14 Item 17 – Voting Client Securities ................................................................................................................... 15 Item 18 – Financial Information ....................................................................................................................... 15 Item 19 – Requirements for State Registered Advisors .................................................................................. 15 ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 3  Privacy Policy ............................................................................................................................................... 15 ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 4  Item 4 – Advisory Business Company History Beacon Wealthcare, LLC. (“BEACON”) is a North Carolina limited liability company headquartered in Raleigh, North Carolina. BEACON’s mission is to provide real planning, sensible investing, and meaningful advice so that money can be a blessing. Our process is focused on advising our clients to avoid unnecessary investment risk, avoid needless or irrational sacrifices to their lifestyle and to constantly measure, in easily understandable terminology, their progress toward accomplishing the goals they value. These functions are carried out in the context of understanding the inherent uncertainty of financial markets, which neither we nor our clients can control, and by balancing a client’s range of goal choices and priorities in order to provide the client with a sufficient level of confidence of accomplishing those goals. We rationally minimize the controllable cost of investment portfolio expenses and income taxes by primarily utilizing tax- efficient, broadly diversified indexed exchange-traded funds. Our clients’ financial goal plans are highly likely to change as we adapt to changing lives, aspirations, goals, priorities, and changes in asset values. controlling the investment process to minimize expenses, taxes, and underperformance BEACON’s value proposition to its clients consists of the following: • • ongoing monitoring and reaffirmation of the client’s goals • ongoing reaffirmation of the prioritization of goals related to each other Ongoing advice derived from daily monitoring of portfolios, frequent review of the financial goal plan’s confidence levels and periodic meetings to reaffirm and identify new goals and priorities provide significant value-adds over a client’s lifetime. In all of our efforts to deliver the best planning and management for our clients we strive to remain objective and unbiased, continually seeking to advance our methods, supporting tools, and research while attempting to establish ourselves as the standard by which our industry measures quality, honesty, and integrity. BEACON requires those giving investment advice to clients to have a bachelor’s degree and an advanced degree in business or finance, or comparable investment industry experience. Principals of the Firm Beacon is a member-managed LLC, owned by Geoffrey Hall, Jared Korver, and Ryan Smith. Patricia Hall is the Compliance Officer. We will discuss the backgrounds of all more fully in Part 2B of our ADV, the Brochure Supplement. Types of Advisory Services Offered Services SERVICES FOR INDIVIDUALS/TRUSTS/ENDOWMENTS BEACON offers investment advisory services to clients based on our Investment Advisory Agreement. ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 5  BEACON and its associates will perform any or all of the following advisory services on behalf of its clients: 1) Understanding the client's financial circumstances. 2) Discovering the client’s ideal and acceptable levels for the following: i) Personal and related financial or event goals of all types ii) Savings and other sources of income, and iii) Levels of target investment allocation risk 3) Prioritizing each of the client's financial and related non-financial goals relative to others. For example, would the client be willing to work longer or to save more or take more investment risk, or some combination in order to improve the confidence of higher a more valued goal - retirement spending? Alternatively, would the client prefer to accept and plan for more modest retirement spending to sleep better now by reducing exposure to the volatility of equity markets? 4) Obtaining such other relevant information necessary to make determinations or recommendations for the investment of the client's assets (e.g., pension information, social security estimates, taxes, rental income, etc.). 5) Analyzing investment portfolio allocation alternatives in the context of prioritized financial goals for the likelihood of supporting those goals in combination with any other client sources of income. 6) Recommending a goal package with an appropriate asset allocation the Financial Goal Plan in conjunction with any overall savings or other sources of income that strikes a balance between providing an adequate level of confidence of meeting goals and avoiding unnecessary investment risk and compromises to the client's lifestyle. 7) Implementing an action plan for adopting recommended investment alternatives. 8) Performing ongoing review of the client's financial goals to restate, if necessary, current ideal and acceptable goal ranges and priorities. 9) Providing ongoing monitoring of the Financial Goal Plan’s funded status which relates to its level of confidence. 10) Reporting on a periodic basis, the client's investment results on assets managed by BEACON. 11) Providing daily monitoring of all portfolios for variances between actual allocations and those required by the recommended target allocations. Exceptions may be allowed indefinitely when tax consequences, transaction costs, expected cash flows, or input from the client outweigh or override the benefits of rebalancing. 12) Providing management-only services to clients who do not require or desire financial planning. These management services are branded and referred to as Quest (QUEST). These management-only services are offered at a lower fee than our full-service planning platform. See Fees and Compensation on page 7. 13) In some cases, relying on another registered investment advisor or registered investment advisor representative to perform one or more of the above services. 14) Clients may also give Beacon permission to view and give advice as to invest and reinvest on accounts held with an outside custodian, referred to as “Held Away “assets. In some cases, clients may give Limited Power of Attorney for trading purposes only. 15) Provide a once a year flat fee for Financial Planning which includes a financial plan and a Social Security Analysis. SERVICES FOR PLAN SPONSORS AND PLAN PARTICIPANTS BEACON does not have any outside contracts with plan sponsors and plan participants at this time. Customization of Client Accounts ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 6  The entire premise of our process is to define individual goals and requirements to develop customized financial plans for each client. Although BEACON has trading discretion over clients’ account(s), every client has the right to direct his or her own account(s). For “Held Away” assets, Beacon only gives advice and does not have trading discretion. Wrap Fee Programs BEACON does not participate directly or indirectly in any wrap fee programs. Assets Under Management __________________________________________________________________ As of December 31, 2025 BEACON manages approximately $ 308 million in client assets on a discretionary basis. Item 5 – Fees and Compensation Fees and Compensation BEACON provides independent, fee-only investment management services to individuals, families, benefit plans, foundations, and institutions. We receive no commissions from trading marketable securities or compensation for financial products and services that we recommend to our clients. We receive one fee, which is generally based upon a client’s account household total managed assets, but may also include a minimum flat fee of $3,500 where planning services exceed the cost of any assets being managed. In more complex engagements the fee can range $7,500 to $ 15,000. The specific manner in which fees are charged by BEACON is described in the client’s Investment Advisory Agreement. Fees are typically billed quarterly in advance and are usually debited by the custodian, Charles Schwab (SCHWAB) from t h e client’s custodial account and remitted by the custodian to BEACON. Fees are augmented by the pro-rata portion of any significant capital contribution ( greater than $10,000 ) during a calendar quarter. In the event of termination of a relationship, any prepaid, unearned fees associated with this Agreement are refunded. Clients may also be billed and send a check for payment. Held-away assets managed by us are invoiced and paid by check, credit or debit card, or other agreed-upon method, not to include direct debiting of the account itself. Currently BEACON charges fees that normally range from 0.50% to 1.25% per annum for advisory relationships with natural persons or non-benefit plan institutional relationships. The fee agreement used in our management-only QUEST program stipulates a lower percentage fee than that paid by our full-service planning accounts (0.9%), but it includes a $50.00 annual minimum. Certain other agreements contain a minimum fee of $3500 to compensate BEACON when planning fee minimums exceed revenues that would accrue asset fees alone. In most circumstances, the actual fee charged will depend on the total household assets with typical breakpoints at various household asset levels, although some clients may be billed a flat percentage or dollar fee regardless of household asset level. In most cases, as the household or asset levels increase, the flat or graduated fee as applicable is reduced as a percentage of assets. BEACON offers discounted rates to its employees and their families as well as to institutional and very high net-worth clients with substantial account balances at fee levels that may be lower than the ranges indicated above. Beacon reserves the right to negotiate fees. All Advisory Fees are exclusive of transactions fees and other related costs and expenses which shall typically be incurred by the client as charged by the custodian. Mutual funds, exchanged traded funds and annuities all charge internal management fees and other expenses, which are disclosed in a fund’s or annuities prospectus or equivalent disclosure document and are directly deducted from the value of such investment vehicles. Such charges, fees and commissions are exclusive of and in addition to BEACON’s fee. BEACON and/or its Advisors do not receive any portion of these commissions, fees and costs and do not have any affiliation with the sponsors or providers of these investment vehicles. For qualified retirement plan consulting services, Beacon charges a fee based upon a percentage of the market value of qualified retirement plan assets at the end of each quarter. Fees are based on an annualized basis and paid quarterly, in most cases at 0.2% annually. Fees can be negotiable. This fee covers view only access to the plan for advising on portfolio ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 7  (s) fund selections. Generally, fees are directly deducted from the plan. The client agreement may be terminated by any of the parties to the agreement by provision of written notice to the other parties. Upon termination, any unearned fees will be refunded to the client. Any fees accrued by not yet assessed to the account will be assessed prior to the termination of the agreement. Item 12 of this Brochure further discusses BEACON’s selection process for the brokerage or custodian firm(s) it recommends. Beacon may also offer a once a yearly flat fee or hourly fee for Financial Planning (one plan per year). The flat fee is no higher than $15,000, varying depending on complexity and scope of the plan environment. Item 6 – Performance-Based Fees and Side-by-Side Management BEACON does not charge any performance-based fees (fees based on a share of capital gains or on capital appreciation of the assets of a client). Item 7 – Types of Clients BEACON provides portfolio management services to individuals, high net worth individuals, trusts, estates, pension and profit-sharing and defined-contribution retirement plans, business entities, charitable institutions, endowments and foundations. Clients eligible to enroll in the SIPS Program include individuals, IRAs and revocable living trust. Clients that are organizations (such as corporations and partnerships) or governments, entities, and clients that are subject to the Employee Retirement Income Security Act of 1974 are not eligible for the Programs. The minimum investment required to open an account in the Programs is $5000. The Program Disclosure Brochure describes related minimum required account balances for maintenance of the account, automatic rebalancing, and tax-loss harvesting. ERISA __________________________________________________________________ When we provide investment advice to clients regarding a retirement plan account or individual retirement account, we are fiduciaries 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 we make money creates some conflicts with these client’s interests, so we operate under a special rule that requires us to act in clients best interest and not put our interest ahead of theirs. Under this special rule’s provisions, we must: meet a professional standard of care when making investment recommendations (give prudent advice); never put our financial interests ahead of the clients when making recommendations (give loyal advice), avoid misleading statements about conflicts of interest, fees, and investments, follow policies and procedures designed to ensure that we give advice that is in the client’s best interest: charge no more than is reasonable for our services: and give the basic information about conflicts of interest. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Investment Strategies The investment philosophy of BEACON is based on the fundamental premise that the capital markets are continuously uncertain, and that our job as managers of wealth is to manage those things which we, or our clients, can control over a client’s lifetime, or other relevant time period (for institutions). In accepting the notion that the capital markets are always uncertain, one of our primary tasks is to control the amount of capital market uncertainty that is prudent to accept for each client’s financial circumstance, and the effect of that uncertainty on the funding status of each client’s unique financial needs and goals. Numerous studies, historical data and common sense, tell us that the primary driver of uncertainty is the amount of a portfolio that is allocated to riskier assets, like equities. This ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 8  key decision—how much of a portfolio is prudent to allocate to the risk of the equity markets—should not be taken lightly and should be based on the premise that needless risk should be avoided. Our planning process is focused on determining the appropriate level of risk to confidently meet important client goals. Our model portfolios are designed to efficiently provide maximum returns at given levels of risk. Geoffrey Hall, a managing member of BEACON is responsible for the selection of securities and design of portfolios on behalf of BEACON’s client’s accounts. Securities selection is based on two basic premises. First, it is imperative to fund our portfolios with assets that behave as closely as possible to the database and our Capital Market Assumptions. Second, we strongly believe the overwhelming evidence that broadly diversified indexes consistently and significantly outperform active managers over longer timeframes (ten-years), especially when taxes and expenses are considered. Our client’s investment portfolios are largely invested in exchange traded funds (ETFs) that are benchmarked to: • A broad-based domestic equity index • A broad-based foreign equity index • A 7-10-year maturity intermediate US government securities index • Money market fund(s). Our typically recommended client target portfolios require only three exchange-traded funds to provide an efficient, low cost, well diversified portfolio. Those three exchange-traded funds contain approximately 3,000 to 5,500 underlying stocks and 15-20 U.S. Government Treasury securities. For benefit plan advisory services, indexed mutual funds are used in lieu of exchange-traded funds. On a less frequent basis, we may offer advice on mutual funds, securities traded over-the-counter, corporate debt securities, variable annuities, municipal securities and individual foreign and domestic equities. We do not make investment decisions based upon marketing timing and discourage clients from investments in alternative investments, which are often less-liquid investment structures. The selection of securities recommended by BEACON includes the evaluation of the historical tracking error relative to the applicable benchmark index, the nature of underlying assets, liquidity of the fund, how efficiently the fund trades in the market (bid/ask spreads), and how underlying securities are weighted in an index mutual fund or ETF. Advisors will place trades in client accounts when required to conform to allocation guidelines (rebalancing) or client requests (e.g., the need for cash by a client or the infusion of new client household assets from a client) or to execute a model portfolio change when indicated by a revised financial goal plan. Methods of Analysis The Monte Carlo analysis below shows 1,000 potential, portfolio values over a sample client’s lifetime. We use Monte Carlo or probability analysis to provide a reliable level of statistical confidence in a client’s plan given the uncertainty of what capital market returns will be. But as reflected in Figure 2. Below, the amount of financial assets required for a client to hold at any point in time in order to have adequate confidence of funding their future goals – can be measured and displayed. It also reveals the broad range of potential outcomes because of the uncertainty of markets, demonstrating the importance of ongoing monitoring. ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 9  ILLUSTRATION OF POSSIBLE OUTCOMES OF A TYPICAL FINANCIAL GOAL PLAN Figure 2 ©2016, PIEtech, Inc. All rights reserved. Powered by MoneyGuidePro ® The gauge on the right-hand side of Figure 2. Represents our acceptable “ Confidence Zone”. It represents the full range of the 1,000 Monte Carlo trials. The purple band represents insufficient confidence (below 75%) of meeting client goals. The green band represents the 750 to 900 trials that met or exceeded the wealth needed to fund all goals. And the blue band represents a range of confidence which we believe is excessively high, where our client’s plans end with more wealth than they say they want, wealth that could be enjoyed during their lives. BEACON provides ongoing monitoring of confidence to render advice when needed to adjust portfolio risk and specific client goal changes in order to stay within the Confidence Zone throughout a client’s lifetime. However, BEACON cannot and does not guarantee to any client that all possible goals at all aspirational spending levels can be achieved. In fact, as Figure 2. Demonstrates (above), the possible portfolio values by the end of the plan range from a loss of $1 million to a surplus of $17.5 million. Investment Risk Risk is the measurement of the degree of unpredictability of a given portfolio’s return in any given period. Risk includes the possibility of losing some or all of your original investment. In plan reports, BEACON references downside risk at the 95th percentile. This means that for any given 12-month period, only 1 out of 20 periods would have a negative return in excess of the calculated 95th percentile downside risk statistic using 1,000 simulations. Even the most conservative investment strategy is subject to risk. Market risk, also known as systematic risk, is that which is inherent in the entire market or an entire market segment. For example, interest rates, recession, natural disasters and wars all represent sources of nonsystematic market risk that cannot be avoided through market diversification. Due to investments in foreign stocks, clients may be subject to additional risks such as foreign currency fluctuations, differing financial accounting standards, possible political and economic instability in some markets and ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 10  higher portfolio holding expenses compared to domestic equities. For these reasons BEACON’s recommended portfolios underweight the allocation of non-U.S. foreign equities held in exchanged-traded or mutual funds relative to their global market capitalization. Mid and Small cap investing generally involves greater risk and volatility. In a rising interest rate environment, the value of fixed-income securities typically declines. BEACON cannot guarantee a client will—in all circumstances of changing personal financial goals and market conditions—be able to remain in the "Confidence Zone", as that term is illustrated and described in this disclosure document. All investment programs carry the risk of loss and there is no guarantee that any investment strategy will meet its objectives. Item 9 – Disciplinary Information Registered investment advisors are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of BEACON or the integrity of BEACON’s management. BEACON has no disciplinary events associated with its clients. Item 10 – Other Financial Industry Activities and Affiliations Other Registrations BEACON and its employees are not registered, nor have an application pending to register, as a broker-dealer or as a registered representative of a broker-dealer. Additionally, BEACON and its employees are not registered, nor have an application pending to register, as a futures commission merchant, commodity pool operator, commodity trading advisor, insurance agent or as an associated person of any entity engaged in the foregoing fields. Affiliations BEACON has no contractual relationships with another firm. Outside Investment Advisors BEACON does not use outside investment advisors. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading The employees of BEACON have committed to a Code of Ethics that establishes a high standard of integrity and professional ethics in conducting business with the firm, its clients and its business vendors and partners. All BEACON associates are required to review and sign a formal Code of Ethics adopted to comply with Rule 204(A)-1. BEACON’s Code of Ethics provides for 1) a high ethical standard of conduct; 2) compliance with all federal and state securities laws; and (3) policies and procedures for the reporting of certain personal securities transactions on a quarterly basis as well as upon hire and annually for all BEACON’s professionals and employees. The Compliance Officer of BEACON reviews on a test basis employee trades periodically. The Compliance Officer’s trades are reviewed by a managing member of BEACON. These reviews help ensure that the personal trading of employees complies with BEACON’s Code of Ethics. Due to the nature of BEACON’s recommended portfolios, we believe it would be very unusual for employees’ personal trades in individual securities to present any ethical conflicts with any ETF portfolio recommendations or trades made on behalf of clients given the huge degree of market diversification represented by our domestic, international, and fixed income ETFs. ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 11  BEACON does not recommend to clients any securities in which BEACON or its related persons have a material financial interest. The primary securities invested in by BEACON on behalf of its clients are passive ETFs and indexed mutual funds (401K models), although portfolio management and advice on prior client positions which may have to stay in a client’s portfolio for some time for tax or other personal client reasons is sometimes required. BEACON does not typically recommend the purchase of publicly-traded or privately-placed individual stocks, bonds, master limited partnerships, hedge funds or limited liability companies to its clients. A copy of BEACON’s Code of Ethics is available to BEACON’s advisory clients upon written request to the Compliance Officer at BEACON’s principal office address or by email request to phall@beaconwc.com. Item 12 – Brokerage Practices Broker Selection BEACON does not maintain custody of your assets that we manage, although we may be deemed to have custody of your assets if you give us authority to withdraw assets from your account (see Item 15- Custody, below). Your assets must be maintained in an account at a ‘qualified custodian,’ generally a broker-dealer or bank. BEACON’s sole custodian is Charles Schwab & Co. (“SCHWAB”). Significant in our decision are their discounted ETF trade commissions, automation, and special services for registered investment advisors to improve efficiency, productivity, and minimize errors. BEACON is not affiliated with SCHWAB. BEACON receives no special financial or other incentives for its relationship with SCHWAB. The primary factors that determine BEACON’s recommending a broker-dealer custodian to a client are in no specific order: 1) Commission Cost 2) Automation/Technology to improve efficiency, productivity, and the elimination of errors 3) Services for independent registered investment advisors to share best practices 4) Properly registered with Self-regulated organizations 5) Execution capabilities 6) Combination of transaction execution services and asset custody services (generally without a separate fee for custody) 7) Capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.) 8) Breadth of available investment products (stocks, bonds, mutual funds, exchange-traded funds [ETFs], etc.) Soft Dollar Arrangements BEACON does not have any formal or informal arrangements or commitments to obtain any research or research related products or services on a soft-dollar basis. Brokerage for Client Referrals Generally speaking, BEACON does not receive client referrals from broker-dealers. However, should we receive such a referral, BEACON would not necessarily recommend that a client leave or remain with the referring broker. Directed Brokerage ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 12  As of January 1, 2026, no clients of BEACON have instructed the firm to direct transactions in their account to a specific brokerage firm. If a client directs BEACON to trade the account’s transactions at a particular broker with whom BEACON does not have a business relationship, this may result in greater transaction expenses for the account than for other accounts BEACON manages. The directed accounts may pay higher commissions and/or receive less favorable trade execution than the non-directed accounts. The non-directed accounts may benefit from any negotiated commissions and some operational client account support services BEACON has arranged for its clients through its preferred custodial relationship with SCHWAB. SCHWAB may discount or waive fees for clients of BEACON that it would otherwise charge to retail clients for the same services. All clients should understand that any broker-dealer/custodian recommendation made by BEACON represents a conflict of interest as BEACON anticipates continual operational relationships with the broker-dealer/custodian that we recommend. BEACON does limited due diligence reviews of these firms, all of which are well established nationally recognized broker dealer custodians. BEACON solely recommends SCHWAB as custodian for our clients’ assets as a convenience to us, to our clients, and to keep costs of operations as low as possible. Aggregation of Orders The aggregation or blocking of client transactions allows an advisor to execute transactions in a more timely, equitable, and efficient manner and seeks to provide, when feasible based on similar time frames of information required to make a trade decision, the same execution price for clients at the same custodian and executing broker. Our firm’s policy is to aggregate client transactions where possible and when advantageous to clients. In these instances, clients participating in any aggregated transactions will receive an average share price. Since each client’s planning is unique, aggregation is not a common practice. In the event transactions for BEACON, its employees or principals are aggregated with client transactions and conflicts arise, BEACON will always defer to the benefit of the client in the transaction. Item 13 – Review of Accounts Reconciliation of Client Accounts All active BEACON client accounts are reconciled daily to custodial (SCHWAB) records. Whenever valuation information differs between the custodian’s records and our accounting system’s records, the differences are investigated and resolved. Once reconciled, electronic copies of the client’s SCHWAB statement are maintained along with a copy of a reconciled holdings statement from BEACON’s accounting system. In the event there are any differences (i.e. trade settlement, etc.) an explanation is also documented and retained. For accounts Held Away, trades are reconciled daily, but statements are maintained and sent to the client direct from their custodian. Financial Plan Review Each client’s Investment Advisor will initiate a review and update the client’s financial plan on at least an annual basis for changes in the client's financial situation and plan objectives. Additional reviews may be initiated for several reasons including 1) changes in a client’s priorities, 2) upon demand by the client, 3) whenever the Advisor considers a plan update and review is in the client’s best interest, 4) should there be a material change in circumstances for the client or 5) should the client’s Plan fall materially outside its Confidence Zone. Regular Reports ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 13  BEACON clients can view daily and quarterly reports or on demand from BEACON either directly on our website, by mail, or as needed for client meetings that occur at least once a year. These reports show portfolio holdings, performance, values, and their “Confidence Zone” status of their financial goal objectives (Quarterly), which is a mathematical estimate of a client’ financial goal plan’s status. Each report contains an offer to the client to request and receive BEACON’s most current Form ADV Part 2A and privacy policy. Form ADV Part 2 and ADV Part 3 (Form CRS) is also available on the BEACON website. The Quarterly report shows the full quarterly billing statement. Item 14 – Client Referrals and Other Compensation BEACON and its employees do not receive any sales awards or prizes as compensation from third parties. The receipt of such gifts would be a violation of BEACON’s Code of Ethics. Beacon does not compensate any individual or entity for the referral of advisory clients to the firm. Item 15 – Custody BEACON is deemed to have custody due to the following : Beacon directly debits fees from client accounts, and Beacon will process client requests for client approved money movement transactions Beacon does not have physical custody of any client funds and/or securities. Client funds and/or securities are held with the custodian Charles Schwab. We have met the seven conditions per the SEC no-action letter and therefore do not fall under the need for the surprise independent audit. Clients receive statements from SCHWAB, the custodian that holds and maintains client investment assets, monthly in most cases, but at least quarterly. The statements include a list of all securities held in the portfolio, their market value as of the last day of the previous month and all trade activity taking place since the last statement. Statements also reflect BEACON’s advisory fee charges to the custodial account when applicable. Method of delivery is determined by the individual client when he or she completes the custodial account application. BEACON urges clients to carefully review such statements and compare such official custodial records to their Financial Goal Plan Status Report that we provide. Item 16 – Investment Discretion BEACON receives discretionary authority from most of its clients at the outset of an advisory relationship to select the security and quantity of securities to be bought or sold within the client’s accounts. At this time the client executes the Beacon Wealthcare Investment Advisory Agreement which grants BEACON a limited power of attorney. Additionally, SCHWAB, the custodian, will require the client to execute a limited power of attorney (“LPOA”) when opening the custodial account. The LPOA grants BEACON the authority 1) to trade securities on the client’s behalf in the account, 2) to authorize the disbursement of BEACON’s quarterly investment advisory fee and 3) to authorize BEACON to instruct the custodian to disburse a check from the client’s custodial account to their address of record or, with additional paperwork signed by the client, to a bank account registered in the client’s name. In all cases, however, such discretion is to be exercised in a manner consistent with the stated investment objectives and/or the Financial Goal Plan for each client’s account. For Held Away accounts, Beacon typically is only authorized to give advice to clients in order to invest and reinvest their assets held with another custodian. Beacon does not have discretion for these accounts. In some ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 14  cases the client may give Limited Power of Attorney for Beacon to have trading authority only. Item 17 – Voting Client Securities Beacon’s authority to vote the proxies of its clients is established by the advisory contracts. However, at the time of opening the account the client has the option to vote proxies themselves. After that, any client wishing to vote proxies themselves for securities they own may do so at any time upon written request. Since BEACON’s recommended portfolios represent broad indices of securities (ETFs) as the primary client holdings, generally speaking, BEACON only votes on matters regarding the fee structure of those securities or a major change in index as these are of primary importance. Otherwise, all non-material issues are viewed as very unlikely to impact the pricing or returns from our holdings in such ETFs.Legacy equity positions held with be voted as to management recommendation. A complete copy of BEACON’s proxy voting Policy can be obtained by sending a request to BEACON’s Compliance Officer via email phall@beaconwc.com or by telephone at (919) 821-5225. Item 18 – Financial Information Registered investment advisors are required in this Item to provide clients with certain financial information or disclosures about their financial condition. BEACON has no financial commitment or condition that impairs its ability to meet contractual and fiduciary commitments to clients, and has not been the subject of a bankruptcy proceeding. A balance sheet is not required to be provided because BEACON does not serve as a custodian for client funds or securities and does not require prepayment of fees of more than $500 per client six months or more in advance. Item 19 – Requirements for State Registered Advisors BEACON is a SEC Registered Investment Advisor, this section is not applicable. Privacy Policy (Effective January 01, 2026) The policy of Beacon Wealthcare, LLC is to protect the confidentiality, integrity and security of any non-public personal information of our clients and prospective clients and to prevent unauthorized access to, or the use or disclosure of such information. Non-Disclosure of Client Information Beacon Wealthcare LLC maintains safeguards to comply with federal and state standards to guard each client's non- public personal information ("NPI"). Beacon Wealthcare LLC does not share any NPI with any nonaffiliated third parties, except in the following circumstances: • as necessary to provide the service that the client has requested or authorized, or to maintain and service the client's account; • as required by regulatory authorities or law enforcement officials who have jurisdiction over Beacon Wealthcare • • LLC, or as otherwise required by any applicable law; to the extent reasonably necessary to protect the confidentiality or security of the financial institution’s records against fraud and for institutional risk control purposes; and to provide information to the firm's attorneys, accountants and auditors or others determining compliance with industry standards. Employees are prohibited, either during or after termination of their employment, from disclosing NPI to any person or entity outside Beacon Wealthcare LLC, including family members, except under the circumstances described above. An employee is permitted to disclose NPI only to such other employees who need to have access to such information to deliver our services to the client. Information we collect: ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 15  We collect nonpublic personal information about you on account applications and other forms. We limit the collection and use of personal information to that which is necessary to effectively manage your accounts and to meet regulatory requirements. We collect and maintain nonpublic personal information about you from the following sources: • • Information that you provide, such as on applications or other forms, or any other documentation you may supply to us. Information about your transactions with us and/or our custodian or an outside fiduciary. This information collected includes balances, positions, and history and may include your name or other data in an internal client list that reflects your activities, as well as social security number and birth date. Information we share: We do not disclose personal information to third parties, unless one of the following exceptions applies. • We disclose personal information to our custodian, Schwab Institutional through the forms highlighted above for the processing and servicing of your account’s transactions. The custodian delivers statements, confirmations, and 1099s. With your approval on the new account form, confirmations, statements and 1099 information are shared with us. • We may share some of your personal information with third parties that perform services for us, in order to service your accounts. • We may disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required or permitted under law; to cooperate with regulators or law enforcement authorities, or to resolve consumer disputes. • We may share personal information with companies of those securities held in your account in order for you to receive financial reports directly, however, you can “opt out” on the account application, or at any time by writing your desire to withhold (“opt out” ) or to receive ( “opt in” ) information from companies. • Outside of these exceptions, we will not share your personal information with third parties such as attorneys or CPAs, unless you specifically authorize us to do so, that is, opted in. • Our privacy policies, described in this statement, continue even if your relationship with us is terminated. • We do not sell your personal information to anyone. • We limit the use of your personal information supplied to our custodian to the performance of the specific services you have requested. • Access to your information is restricted to our employees who need it in order to provide service to you. We maintain physical, electronic and procedural safeguards to ensure information security. We maintain and grant access to customer information only in accordance with our internal security standards. Safeguarding and Disposal of Client Information Beacon Wealthcare LLC restricts access to NPI to those employees who need to know such information to provide services to our clients. Safeguarding standards encompass all aspects of the Beacon Wealthcare LLC that affect security. This includes not just computer security standards but also such areas as physical security and personnel procedures. Examples of important safeguarding standards that Beacon Wealthcare LLC may adopt include: • access controls on customer information systems, including controls to authenticate and permit access only to authorized individuals and controls to prevent employees from providing customer information to unauthorized individuals who may seek to obtain this information through fraudulent means (e.g., requiring employee use of user ID numbers and passwords, etc.); • access restrictions at physical locations containing customer information, such as buildings, computer facilities, and records storage facilities to permit access only to authorized individuals (e.g., intruder detection devices, use of fire and burglar resistant storage devices); • encryption of electronic customer information, including while in transit or in storage on networks or systems to which unauthorized individuals may have access; • procedures designed to ensure that customer information system modifications are consistent with the firm's information security program (e.g., independent approval and periodic audits of system modifications); • dual control procedures, segregation of duties, and employee background checks for employees with responsibilities for or access to customer information (e.g., require data entry to be reviewed for accuracy by personnel not involved in its preparation; adjustments and correction of master records should be reviewed and approved by personnel other than those approving routine transactions, etc.); • • monitoring systems and procedures to detect actual and attempted attacks on or intrusions into customer information systems (e.g., data should be auditable for detection of loss and accidental and intentional manipulation); response programs that specify actions to be taken when the firm suspects or detects that unauthorized individuals have gained access to customer information systems, including appropriate reports to regulatory and law enforcement agencies; ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 16  • • measures to protect against destruction, loss, or damage of customer information due to potential environmental hazards, such as fire and water damage or technological failures (e.g., use of fire resistant storage facilities and vaults; backup and store off site key data to ensure proper recovery); and information systems security should incorporate system audits and monitoring, security of physical facilities and personnel, the use of commercial or in-house services (such as networking services), and contingency planning. researching relevant technological changes and capabilities. Any employee who is authorized to possess "consumer report information" for a business purpose is required to take reasonable measures to protect against unauthorized access to or use of the information in connection with its disposal. There are several components to establishing 'reasonable' measures that are appropriate for the firm: • assessing the sensitivity of the consumer report information we collect; • the nature of our advisory services and the size of our operation; • evaluating the costs and benefits of different disposal methods; and • • Some methods of disposal to ensure that the information cannot practicably be read or reconstructed that Beacon Wealthcare LLC may adopt include: • procedures requiring the burning, pulverizing, or shredding or papers containing consumer report information; • procedures to ensure the destruction or erasure of electronic media; and • after conducting due diligence, contracting with a service provider engaged in the business of record destruction, to provide such services in a manner consistent with the disposal rule. Privacy Notices Initial Privacy Notice Delivery • Beacon Wealthcare LLC will provide each natural person client with initial notice of the firm's current privacy policy • • when the client relationship is established. If Beacon Wealthcare LLC shares non-public personal information ("NPI") relating to a non-California consumer with a nonaffiliated company under circumstances not covered by an exception under Regulation S-P, the firm will deliver to each affected consumer an opportunity to opt out of such information sharing. If Beacon Wealthcare LLC shares NPI relating to a California consumer with a nonaffiliated company under circumstances not covered by an exception under SB1, the firm will deliver to each affected consumer an opportunity to opt in regarding such information sharing. Annual Privacy Notice Delivery • • If Beacon Wealthcare LLC shares non-public personal information ("NPI") relating to a non-California consumer with a nonaffiliated company under circumstances not covered by an exception under Regulation S-P, the firm will annually deliver to each affected consumer an opportunity to opt out of such information sharing. If Beacon Wealthcare LLC shares NPI relating to a California consumer with a nonaffiliated company under circumstances not covered by an exception under SB1, the firm will annually deliver to each affected consumer an opportunity to opt in regarding such information sharing. Annual Privacy Notice Exception Beacon Wealthcare LLC will not have to deliver an annual privacy notice provided it (1) only shares NPI with nonaffiliated third-parties in a manner that does not require an opt-out right be provided to customers (e.g., if the institution discloses NPI to a service provider or for fraud detection and prevention purposes) and (2) has not changed its policies and practices with respect to disclosing NPI since it last provided a privacy notice to its customers. If, at any time, Beacon Wealthcare LLC adopts material changes to its privacy policies, the firm shall provide each such client with a revised notice reflecting the new privacy policies. The Compliance Officer is responsible for ensuring that required notices are distributed to the Beacon Wealthcare LLC’s consumers and customers. For any questions regarding this policy, you can call us at 919.821.5225 or email Patricia Hall at phall@beaconwc.com. ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 17  Brochure Supplement FORM ADV PART 2B Beacon Wealthcare, LLC. IARD/CRD Number: CRD 312556 Geoffrey A. Hall II Jared B. Korver Ryan Smith Patricia A. Hall Ellen Martin Daniel Logan Main Office Mailing Address: 1633 Glenwood Avenue Raleigh, NC 27608 Main Business Phone: (919) 821-5225 Primary Website: beaconwc.com Dated: January 7, 2026 This brochure supplement provides information about our employees, Geoffrey Hall II, Jared Korver, Ryan Smith, Patricia Hall, Ellen Martin, and Daniel Logan that supplements the Beacon Wealthcare Brochure ADV Part 2. You should have received a copy of that Brochure. Please contact Patricia Hall if you did not receive Beacon Wealthcare’s Brochure or if you have any questions about the contents of this supplement. ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 1  Item 3 – Table of Contents Item 3 – Table of Contents .............................................................................................................................. 2 Geoffrey Hall II ................................................................................................................................................ 3 Jared Korver .................................................................................................................................................... 4 Ryan Smith ...................................................................................................................................................... 5 Patricia Hall ..................................................................................................................................................... 6 Ellen Martin ..................................................................................................................................................... 7 Daniel Logan .................................................................................................................................................... 8 ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved. P a g e | 2  Geoffrey Hall II Item 2: EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Geoff is one of the managing members of Beacon. He holds a Bachelor of Science degree in the area of Finance from The University of North Carolina at Charlotte. He has 28 years of experience as a financial advisor and holds the Certified Financial Planner™ designation. Geoff is also a member of the Financial Planning Association of the Triangle. Item 3: DISCIPLINARY INFORMATION None Item 4: OTHER BUSINESS ACTIVITIES None Item 5: ADDITIONAL COMPENSATION None Item 6: SUPERVISION Geoff is a managing member and an owner of Beacon. His activities are monitored by Beacon’s compliance personnel and supervisory structure. Geoffrey A. Hall is not related to Patricia A. Hall Additional information about Geoffrey Hall II is available on the website of www.adviserinfo.sec.gov P a g e | 3 ©Copyright 2026– Beacon Wealthcare, LLC. All rights  Jared Korver Item 2: EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Jared is one of the managing members of Beacon. He graduated summa cum laude from Appalachian State University with a Bachelor’s degree in Accounting, and received and academic fellowship from North Carolina State University, where he obtained a Master’s degree in Accounting. He has previously worked at Ernst & Young in Raleigh, North Carolina serving a range of clients from individuals and partnerships to large multinationals. Jared also holds the Certified Financial Planner™ designation. Item 3: DISCIPLINARY INFORMATION None Item 4: OTHER BUSINESS ACTIVITIES None Item 5: ADDITIONAL COMPENSATION None Item 6: SUPERVISION Jared is a managing member and an owner of Beacon. His activities are monitored by Beacon’s compliance personnel and supervisory structure. Additional information about Jared Korver is available on the website of www.adviserinfo.sec.gov ©Copyright 2026 – Beacon Wealthcare, LLC. All rights P a g e | 4  Ryan Smith Item 2: EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Ryan is one of the managing members of Beacon. He holds an undergraduate double major in Business Administration and Accounting, as well as a Masters of Science in Financial Planning. He has over 20 years of experience in the financial industry and holds the Certified Financial Planner™ designation. Item 3: DISCIPLINARY INFORMATION None Item 4: OTHER BUSINESSACTIVITIES None Item 5: ADDITIONAL COMPENSATION None Item 6: SUPERVISION Ryan is a managing member and an owner of Beacon. His activities are monitored by Beacon’s compliance personnel and supervisory structure. Additional information about Ryan Smith is available on the website of www.adviserinfo.sec.gov ©Copyright 2026 – Beacon Wealthcare, LLC. All rights P a g e | 5  Patricia Hall Item 2: EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Patricia Hall has over 30 years of experience in the securities industry with a broad array of experience, ranging from compliance to operations. She has held licenses including series 7, 63, and 65 with the New York Stock Exchange/NASD. Ms. Hall has been with Beacon since its inception and manages the firm’s office operations. As the firms’ Compliance Officer, her responsibilities include oversight of all regulatory filings, rules, and regulations. Item 3: DISCIPLINARY INFORMATION None Item 4: OTHER BUSINESS ACTIVITIES None Item 5: ADDITIONAL COMPENSATION None Item 6: SUPERVISION Patricia reports to the managing members of Beacon. Her actions are also monitored by Beacon’s compliance and supervisory structure. Patricia A. Hall is not related to Geoffrey A. Hall ©Copyright 2026 – Beacon Wealthcare, LLC. All rights P a g e 6  Ellen Martin Item 2: EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Ellen holds a B.A. in Religious Studies and a minor in Bioethics from the University of Virginia. She has 12 years experience in the financial industry and holds the certification of Certified Wealth Strategist ® and the Certified Financial Planner™ designation. . Item 3: DISCIPLINARY INFORMATION None Item 4: OTHER BUSINESSACTIVITIES None Item 5: ADDITIONAL COMPENSATION None Item 6: SUPERVISION Ellen reports to the managing members of Beacon. Her actions are also monitored by Beacon’s compliance and supervisory structure. Additional information about Ellen Martin is available on the website of www.adviserinfo.sec.gov ©Copyright 2026 – Beacon Wealthcare, LLC. All rights P a g e | 7  Daniel Logan Item 2: EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Daniel graduated from the University of Alabama summa cum laude with a B.S. in Commerce and Business Administration, Finance. He has 10 years of experience in the financial industry and holds the designation of Certified Financial Planner™. Item 3: DISCIPLINARY INFORMATION None Item 4: OTHER BUSINESSACTIVITIES None Item 5: ADDITIONAL COMPENSATION None Item 6: SUPERVISION Daniel reports to the managing members of Beacon. His actions are also monitored by Beacon’s compliance and supervisory structure. Additional information about Daniel Logan is available on the website of www.adviserinfo.sec.gov ©Copyright 2026 – Beacon Wealthcare, LLC. All rights P a g e | 8