Lighthouse Financial Advisors, Inc.

Lighthouse serves individuals, high‑net‑worth clients (and affiliated trusts and estates) as well as charitable organizations, providing comprehensive wealth management, financial planning, retirement plan consulting in an ERISA Section 3(21) capacity, and tax preparation. Its Wealth Management engagements include scheduled meetings and implementation support, and the firm also offers limited single‑session financial reviews.

The firm tailors investment strategies to each client and typically allocates among mutual funds and ETFs, with smaller positions in individual equities, bonds, and cash. Uncommonly for a team adviser, Lighthouse manages the majority of its $1.113 billion in client assets on a non‑discretionary basis (about $809 million non‑discretionary versus $305 million discretionary) and generally uses a negotiated fixed annual retainer approach rather than a standard percentage‑of‑AUM fee, which means clients commonly must approve trades and accounts can experience extended periods of trading inactivity while advisory fees continue.

Distinctive operational features include a compact advisory team managing over $1.1 billion in assets and a mix of services that extend beyond portfolio management to retirement plan consulting and tax preparation, as well as documented procedures around margin/pledged‑asset loans. The firm typically recommends a single institutional custodian and receives institutional support services, and its compliance leadership includes a licensed attorney who does not provide legal services to clients.