{"url":"https://nivawealth.com/firms/lighthouse-financial-137277","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/137277","regulatoryAum":755605026,"crd":"137277","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2667287","suffix":null,"lastName":"WOTOVICH","firstName":"STEVEN","middleName":"ANTHONY"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2023-07-11","regulatoryAum":452963384,"clients":71,"employees":1,"offices":1},{"filedOn":"2024-03-12","regulatoryAum":490190171,"clients":95,"employees":1,"offices":1},{"filedOn":"2025-03-24","regulatoryAum":604566217,"clients":118,"employees":1,"offices":1},{"filedOn":"2026-09-14","regulatoryAum":755605026,"clients":134,"employees":1,"offices":1}],"secFileNumber":"801-128475","legalName":"Lighthouse Financial LLC","displayName":"Lighthouse Financial","slug":"lighthouse-financial-137277","website":"https://lighthousefinancial.info/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Florida limited liability company","fiscalYearEnd":"December","headquarters":{"street":"4020 Park Street N, Suite 201d","city":"Saint Petersburg","state":"FL","stateName":"Florida","country":"United States","postalCode":"33709"},"tradeNames":[],"registration":{"secApproved":"31 July 2023","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":5603878.825757576,"staff":{"employees":1,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":755605026,"discretionary":205436767,"discretionaryAccounts":334,"nonDiscretionary":550168259,"nonDiscretionaryAccounts":3,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":84,"regulatoryAum":27794385},{"label":"High-net-worth individuals","clients":48,"regulatoryAum":711917620},{"label":"Charitable organizations","clients":2,"fewerThan5":true,"regulatoryAum":15893021}],"feePrograms":[{"role":"main","program":"Investment Supervisory Service Fees for Individual Equities","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1047041","versionId":1047041,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-06-02","documentName":"PART 2A & PART 2B SUPPLEMENT","fee_rate_low":0.5,"fee_rate_high":0.95,"fee_negotiable":true,"minimum_account":500000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Consulting Services","summary":"Consulting may be billed at an hourly rate of $120 per hour; full-service clients pay no hourly fees, and this option is not subject to the $500,000 minimum.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1047041","versionId":1047041,"submittedOn":"2026-06-02","documentName":"PART 2A & PART 2B SUPPLEMENT"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T06:36:30.167792+00:00","documents":[{"name":"PART 2A & PART 2B SUPPLEMENT","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1047041","versionId":1047041,"submittedOn":"2026-06-02"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":752774280}],"custodyNote":"Lighthouse Financial has custody of $99.2M in client assets for 102 clients.","otherCustodians":[],"leadership":[{"name":"Steven Wotovich","title":"President and CCO","crd":"2667287"}],"ownership":[{"label":"Steven Wotovich","detail":"President and cco in the 75% or more ownership band and a control person, since November 2003."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"4020 Park Street N, Suite 201d","city":"Saint Petersburg","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"727-490-5797","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":34},{"label":"Derivatives","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":63},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"14 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/137277/PDF/137277.pdf","brochureDate":"2 June 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1047041","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Lighthouse Financial have?","answer":"Lighthouse Financial has 134 clients and manages $756 million for them, as of September 2026. They include 84 individual clients, 48 high-net-worth individuals and 2 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 14 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Lighthouse Financial offer?","answer":"Lighthouse Financial provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Lighthouse Financial charge?","answer":"Lighthouse Financial charges 0.50%–0.95% a year for its Investment Supervisory Service Fees for Individual Equities. The fee is billed in arrears, is negotiable and requires an account of at least $500,000.","source":"PART 2A & PART 2B SUPPLEMENT, filed 2 June 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Lighthouse Financial use?","answer":"Lighthouse Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $753M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 14 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Lighthouse Financial have?","answer":"Lighthouse Financial has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Lighthouse Financial invest in?","answer":"At the end of its last fiscal year, Lighthouse Financial’s separately managed accounts held 63% registered funds (mutual funds, ETFs, BDCs), 34% exchange-traded equities, 1% derivatives, 1% pooled vehicles (private funds and similar) and 1% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does Lighthouse Financial have a minimum investment?","answer":"Yes, Lighthouse Financial’s minimum account size for its Investment Supervisory Service Fees for Individual Equities is $500K.","source":"PART 2A & PART 2B SUPPLEMENT, filed 2 June 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Lighthouse Financial?","answer":"Lighthouse Financial’s direct owner is Steven Wotovich (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 14 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Lighthouse Financial get paid?","answer":"Lighthouse Financial is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Lighthouse Financial?","answer":"Lighthouse Financial’s main office is at 4020 Park Street N, Suite 201d, Saint Petersburg, FL 33709. Its phone number is 727-490-5797. Its website is lighthousefinancial.info.","source":"Form ADV Part 1A, Item 1.F, filed 14 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}