{"url":"https://nivawealth.com/firms/lighthouse-financial-advisors-121496","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/121496","regulatoryAum":1113936231,"crd":"121496","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5210848","suffix":null,"lastName":"GULI","firstName":"BRENNAN","middleName":null},{"crd":"4590496","suffix":null,"lastName":"RETTINO","firstName":"LOUIS","middleName":"JOSEPH"},{"crd":"7518150","suffix":null,"lastName":"Tyson","firstName":"Steven","middleName":null},{"crd":"4554605","suffix":null,"lastName":"WALSH","firstName":"ROBERT","middleName":"BARRY"}],"total":4,"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":"2021-03-16","regulatoryAum":509788799,"clients":312,"employees":8,"offices":1},{"filedOn":"2022-03-15","regulatoryAum":614654495,"clients":320,"employees":8,"offices":1},{"filedOn":"2023-02-03","regulatoryAum":567389875,"clients":342,"employees":8,"offices":1},{"filedOn":"2024-03-18","regulatoryAum":713848786,"clients":381,"employees":9,"offices":1},{"filedOn":"2025-03-29","regulatoryAum":869173414,"clients":395,"employees":9,"offices":1},{"filedOn":"2026-03-09","regulatoryAum":1113936231,"clients":429,"employees":9,"offices":2}],"secFileNumber":"801-78290","legalName":"Lighthouse Financial Advisors, Inc.","displayName":"Lighthouse Financial Advisors","slug":"lighthouse-financial-advisors-121496","website":"https://lfadvisors.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/121496/243bc619ab77ff81-r1.webp","tone":"dark","width":892,"height":200,"sourceUrl":"https://lfadvisors.com/","sourceLabel":"Lighthouse Financial Advisors, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/lighthouse-financial-advisors","founded":"1999","organization":"New Jersey corporation","fiscalYearEnd":"December","headquarters":{"street":"3 Harding Road, Suite B","city":"Red Bank","state":"NJ","stateName":"New Jersey","country":"United States","postalCode":"07701"},"tradeNames":[],"registration":{"secApproved":"5 July 2013","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2423577.673659674,"staff":{"employees":9,"advisory":7,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":1113936231,"discretionary":304840258,"discretionaryAccounts":674,"nonDiscretionary":809095973,"nonDiscretionaryAccounts":1801,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":3},"clientTypes":[{"label":"Individuals (other than HNW)","clients":221,"regulatoryAum":181571142},{"label":"High-net-worth individuals","clients":208,"regulatoryAum":858143680},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":74221409}],"feePrograms":[{"role":"main","program":"Wealth Management Services","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015916","versionId":1015916,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-09","documentName":"ADV PART 2A FIRM BROCHURE","fee_rate_low":null,"fee_rate_high":2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":6000},{"role":"other","program":"Financial Review Services","summary":"Three-hour financial review consultation billed at $900, or $720 when an existing client refers the client; paid half at signing and half at the meeting.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015916","versionId":1015916,"submittedOn":"2026-03-09","documentName":"ADV PART 2A FIRM BROCHURE"},{"role":"other","program":"Tax Preparation Services","summary":"Stand-alone tax preparation is billed as a flat fee from $200 to $10,000 depending on complexity, agreed before work begins.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015916","versionId":1015916,"submittedOn":"2026-03-09","documentName":"ADV PART 2A FIRM BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T06:24:51.147263+00:00","documents":[{"name":"ADV PART 2A FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015916","versionId":1015916,"submittedOn":"2026-03-09"}]},"custodians":[{"name":"National Financial Services LLC","shortName":"Fidelity","location":"Boston, MA","smaAssets":1113936231}],"custodyNote":"Lighthouse Financial Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Robert Walsh","title":"President","crd":"4554605"},{"name":"Brennan Guli","title":"Chief Compliance Officer/Chief Operating Officer","crd":"5210848"}],"ownership":[{"label":"Robert Walsh","detail":"President in the 50% to 75% ownership band and a control person, since May 1999."},{"label":"Brennan Guli","detail":"Chief compliance officer/chief operating officer in the 25% to 50% ownership band and a control person, since January 2014."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"New Jersey","offices":2,"addresses":[{"street":"3 Harding Road, Suite B","city":"Red Bank","headquarters":true},{"street":"3 Harding Road, Suite D","city":"Red Bank"}]}],"brochureServices":["estate planning","insurance","tax planning","tax preparation"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"732-747-6680","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":19},{"label":"U.S. government/agency bonds","percent":5},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":64},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"9 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/121496/PDF/121496.pdf","brochureDate":"9 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015916","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 Advisors have?","answer":"Lighthouse Financial Advisors has 429 clients and manages $1.11 billion for them, as of March 2026. They include 221 individual clients and 208 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 9 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Lighthouse Financial Advisors offer?","answer":"Lighthouse Financial Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, estate planning, insurance, tax planning, and tax preparation.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Lighthouse Financial Advisors charge?","answer":"Lighthouse Financial Advisors charges up to 2.00% a year for its Wealth Management Services. The fee is billed in advance, is negotiable and has a $6,000 annual minimum.","source":"ADV PART 2A FIRM BROCHURE, filed 9 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Lighthouse Financial Advisors use?","answer":"Lighthouse Financial Advisors’ separately managed account assets are held at National Financial Services LLC (Boston, MA), with $1.11B. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Lighthouse Financial Advisors have?","answer":"Lighthouse Financial Advisors has 4 investment adviser representatives registered with state securities authorities, out of 9 employees, and 7 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 Advisors invest in?","answer":"At the end of its last fiscal year, Lighthouse Financial Advisors’ separately managed accounts held 64% registered funds (mutual funds, ETFs, BDCs), 19% exchange-traded equities, 10% cash and equivalents, 5% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.","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":"Who owns Lighthouse Financial Advisors?","answer":"Lighthouse Financial Advisors’ direct owners are Robert Walsh (50% to 75%) and Brennan Guli (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 9 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Lighthouse Financial Advisors get paid?","answer":"Lighthouse Financial Advisors is paid through 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 Advisors?","answer":"Lighthouse Financial Advisors’ main office is at 3 Harding Road, Suite B, Red Bank, NJ 07701. Its phone number is 732-747-6680. Its website is lfadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 9 March 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."}