Beacon Wealthcare LLC

RIA/Wealth

Beacon Wealthcare LLC is a RIA/Wealth based in Mchenry, IL led by Ryan Thomas Smith, managing $284.6M across 24 long positions as of Q3 2025 with 99% ETF concentration, 98% concentrated in top 10 holdings, and 54% allocation to VTI.

OwnerRyan Thomas Smith

Portfolio Value: $284.6M
Positions: 24
Top Holding: VTI at 54.19%
Last Reported: Q3 2025

Address5435 Bull Valley Road, Suite 224, Mchenry, IL, 60050, United States

Top Holdings

Largest long holdings in Beacon Wealthcare LLC's portfolio (97.6% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Vanguard Total Stock Market VTI	ETF ETF	$154.2M	54.19%	+$1.6M Bought	— 470.0K shares	Q1 2021 Held for 4y 9m
2 iShares 7-10 Year Treasury Bond IEF	ETF ETF	$37.7M	13.25%	+$630.5K Bought	— 390.9K shares	Q1 2021 Held for 4y 9m
3 SCHR Schwab Intermediately-Term U.S. Treasury SCHR	ETF ETF	$31.9M	11.22%	+$2.4M Bought	— 1.3M shares	Q1 2021 Held for 4y 9m
4 Vanguard FTSE All-World Ex-US ETF VEU	ETF ETF	$18.5M	6.51%	+$422.2K Bought	— 259.4K shares	Q1 2021 Held for 4y 9m
5 Schwab U.S. Broad Market SCHB	ETF ETF	$11.6M	4.08%	-$39.5K Sold	— 452.1K shares	Q1 2021 Held for 4y 9m
6 iShares 1-3 Year Treasury Bond SHY	ETF ETF	$8.0M	2.81%	+$266.4K Bought	— 96.3K shares	Q4 2022 Held for 3 years
7 Vanguard Tax-Exempt Bond Index Fund VTEB	ETF ETF	$7.5M	2.63%	+$371.3K Bought	— 149.6K shares	Q4 2022 Held for 3 years
8 Schwab International Equity SCHF	ETF ETF	$4.6M	1.61%	-$75.6K Sold	— 196.6K shares	Q1 2021 Held for 4y 9m
9 SPDR Bloomberg 1-3 Month T-Bill ETF BIL	ETF ETF	$2.2M	0.76%	-$849.9K Sold	— 23.6K shares	Q1 2021 Held for 4y 9m
10 Apple AAPL	Consumer Electronics Technology	$1.5M	0.54%	+$231.2K Bought	0.00% 6.0K shares	Q1 2021 Held for 4y 9m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Beacon Wealthcare LLC's latest filing

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Market Value

$284.6M

Prior: $265.2M

Q/Q Change

+7.34%

+$19.5M

Net Flows % of MV

+1.7%

Turnover Ratio

1.3%

New Purchases

0 stocks

Added To

9 stocks

+$6.1M

Sold Out Of

1 stocks

$209.1K

Reduced Holdings

7 stocks

-$1.1M

Increased Positions

Position	Shares Δ	Change
1 iShares Core S&P 500 ETF IVV	+24.51%	612.0 → 762.0 +$100.4K
2 Apple AAPL	+17.78%	5.1K → 6.0K +$231.2K
3 SCHR Schwab Intermediately-Term U.S. Treasury SCHR	+8.12%	1.2M → 1.3M +$2.4M
4 Microsoft MSFT	+7.59%	1.3K → 1.4K +$52.3K
5 Vanguard Tax-Exempt Bond Index Fund VTEB	+5.22%	142.2K → 149.6K +$371.3K

Decreased Positions

Position	Shares Δ	Change
1 iShares Core U.S. Aggregate Bond AGG	Sold	2.1K → 0 −$209.1K
2 SPDR Bloomberg 1-3 Month T-Bill ETF BIL	-28.18%	32.9K → 23.6K −$849.9K
3 SCHX Schwab U.S. Large-Cap ETF SCHX	-11.51%	8.9K → 7.9K −$26.9K
4 Vanguard S&P 500 ETF VOO	-4.87%	1.9K → 1.8K −$56.3K
5 Vanguard Information Technology VGT	-4.28%	397.0 → 380.0 −$12.7K