Beacon Rock Wealth Advisors

David Zier, the firm's founder, serves as the lead wealth advisor and makes all portfolio management and financial planning decisions. Zier holds the Certified Financial Planner designation, which mandates fiduciary conduct and ongoing continuing education requirements. The firm's solo-advisor structure means investment committee decisions are made by Zier without external portfolio management delegation.

The firm operates on a fee-only basis, charging clients a percentage of assets under management for discretionary portfolio management, or fixed fees for standalone financial planning engagements. Fee-only means the practice does not accept commissions, referral fees, or revenue-sharing from product providers. This structure eliminates incentives to recommend commissioned insurance products, loaded mutual funds, or proprietary investment vehicles.

Yes. As a registered investment advisor, Beacon Rock Wealth Advisors is legally bound by the Investment Advisers Act of 1940 to act as a fiduciary for its advisory clients. This means the firm must place client interests ahead of its own, disclose conflicts of interest, and seek best execution on trades. This standard exceeds the suitability standard that governs broker-dealers and commissioned advisors.

The firm builds portfolios using primarily low-cost index-tracking exchange-traded funds and mutual funds, spanning domestic and international equities, fixed income, and real estate investment trusts. Zier emphasizes tax-aware asset location — placing tax-inefficient holdings like taxable bonds and REITs inside retirement accounts while holding growth equities in taxable accounts. Portfolios are managed on a discretionary basis, with rebalancing triggered by drift thresholds rather than market-timing calls.

Yes. The practice integrates financial planning services including retirement income projections, Social Security claiming strategy analysis, tax planning coordination with external CPAs, estate document review, and insurance needs analysis. These services are typically bundled into the ongoing advisory relationship rather than sold as separate engagements, though standalone project-based planning is available.