Lightcap Financial Group, LLC

Lightcap Financial Group serves individual and high-net-worth clients and also provides advisory services to institutional and plan sponsors, including pension and profit-sharing plans and corporations. The firm’s service menu includes asset management, a comprehensive portfolio management product that combines investment oversight with financial planning, standalone financial planning and consulting, and retirement-plan consulting.

The firm delivers individualized portfolios with continuous monitoring and rebalancing and employs a mix of analytical methods—fundamental, quantitative, technical/charting and sector analysis—alongside exposure to ETFs, mutual funds, individual securities and alternative investments. Lightcap manages approximately $18.7 million in discretionary assets (12/31/2025) and discloses operational features such as billing on cash with client authorization for fee deduction, proxy-voting services when authorized, and recognition of ERISA fiduciary duties for plan clients.

Noteworthy for a small, recently formed adviser—two advisors serving roughly 74 clients—is the breadth of client types reported in the brochure, which includes banking/thrift and insurance company clients, state or municipal government clients, other investment-adviser clients and, unusually, a sovereign wealth fund. The firm also operates as a licensed insurance producer under a separate doing-business-as name, a dual role the brochure discloses as a potential conflict of interest and for which procedures are described to mitigate conflicts.