{"url":"https://nivawealth.com/firms/lighthouse-financial-services-110367","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/110367","regulatoryAum":472541088,"crd":"110367","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6036668","suffix":null,"lastName":"LOWE","firstName":"JAYCE","middleName":"ALAN"},{"crd":"3028236","suffix":null,"lastName":"MCDANIEL","firstName":"ROBERT","middleName":"GEORGE"},{"crd":"5414513","suffix":null,"lastName":"Soukup","firstName":"Christopher","middleName":"Brian"},{"crd":"5848445","suffix":null,"lastName":"VERITY","firstName":"MICHAEL","middleName":"ROBERT"}],"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":"2021-07-23","regulatoryAum":347160859,"clients":426,"employees":10,"offices":1},{"filedOn":"2022-02-28","regulatoryAum":424088899,"clients":453,"employees":9,"offices":1},{"filedOn":"2023-02-09","regulatoryAum":353132428,"clients":461,"employees":8,"offices":6},{"filedOn":"2024-01-31","regulatoryAum":387277196,"clients":455,"employees":7,"offices":5},{"filedOn":"2025-07-07","regulatoryAum":429837252,"clients":454,"employees":7,"offices":5},{"filedOn":"2026-01-22","regulatoryAum":472541088,"clients":461,"employees":6,"offices":5}],"secFileNumber":"801-55848","legalName":"Lighthouse Financial Services Inc","displayName":"Lighthouse Financial Services","slug":"lighthouse-financial-services-110367","website":"https://lighthouselink.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/110367/6a0b8be8ec0e88ee-r1.webp","tone":"light","width":604,"height":200,"sourceUrl":"https://www.lighthouselink.com/","sourceLabel":"Lighthouse Financial Services INC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/lighthouse-financial-services-inc","xUrl":"https://twitter.com/lighthouselink1","founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"3070 Saturn Street, Suite 101","city":"Brea","state":"CA","stateName":"California","country":"United States","postalCode":"92821"},"tradeNames":[],"registration":{"secApproved":"2 September 1988","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1014215.4344978166,"staff":{"employees":6,"advisory":5,"brokerDealerReps":0,"insuranceAgents":0,"promoters":1},"aum":{"regulatory":472541088,"discretionary":472541088,"discretionaryAccounts":461,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":299,"regulatoryAum":114781943},{"label":"High-net-worth individuals","clients":159,"regulatoryAum":349728726},{"label":"Pension and profit-sharing plans","clients":1,"fewerThan5":true,"regulatoryAum":2072565},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":760866},{"label":"Corporations and other businesses","clients":1,"fewerThan5":true,"regulatoryAum":5196988}],"feePrograms":[{"role":"main","program":"Flat tiered fee 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preparation","summary":"Flat fee based on the complexity of the tax situation and the number of filings, typically between $200 and $1,200.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1003436","versionId":1003436,"submittedOn":"2026-01-22","documentName":"FORM ADV PART 2"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:24:49.268548+00:00","documents":[{"name":"FORM ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1003436","versionId":1003436,"submittedOn":"2026-01-22"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":467793517}],"custodyNote":"Lighthouse Financial Services has custody of $473M for 461 clients.","otherCustodians":[],"leadership":[{"name":"Robert McDaniel","title":"President, COO, & CCO","crd":"3028236"},{"name":"Michael Verity","title":"Vice President & Chief Investment Officer","crd":"5848445"},{"name":"Muey Herman","title":"Partner","crd":"7430238"},{"name":"Jayce Lowe","title":"Partner","crd":"6036668"}],"ownership":[{"label":"Robert McDaniel","detail":"President, coo, & cco in the 50% to 75% ownership band and a control person, since February 2000."},{"label":"Michael Verity","detail":"Vice president & chief investment officer in the 25% to 50% ownership band and a control person, since July 2013."},{"label":"Jayce Lowe","detail":"Partner in the 10% to 25% ownership band, since July 2025."},{"label":"Muey Herman","detail":"Partner in the 10% to 25% ownership band, since July 2025."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":4,"privateResidences":4},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"3070 Saturn Street, Suite 101","city":"Brea","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","tax planning","tax preparation"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"714-572-8900","stateRegisteredReps":5,"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","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Educational seminars/workshops"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":60},{"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":33},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"22 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/110367/PDF/110367.pdf","brochureDate":"22 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1003436","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 Services have?","answer":"Lighthouse Financial Services has 461 clients and manages $473 million for them, as of January 2026. They include 299 individual clients, 159 high-net-worth individuals and 1 pension or profit-sharing plan.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 22 January 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Lighthouse Financial Services offer?","answer":"Lighthouse Financial Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, educational seminars, education planning, 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 Services charge?","answer":"Lighthouse Financial Services charges 0.60%–1.20% a year for its Flat tiered fee schedule. Each asset band is charged at its own rate. The fee is billed in advance and has a $2,400 annual minimum.","source":"FORM ADV PART 2, filed 22 January 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Lighthouse Financial Services use?","answer":"Lighthouse Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $468M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 22 January 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Lighthouse Financial Services have?","answer":"Lighthouse Financial Services has 5 investment adviser representatives registered with state securities authorities, out of 6 employees, and 5 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 Services invest in?","answer":"At the end of its last fiscal year, Lighthouse Financial Services’ separately managed accounts held 60% exchange-traded equities, 33% registered funds (mutual funds, ETFs, BDCs), 5% cash and equivalents, 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 Services?","answer":"Lighthouse Financial Services’ direct owners are Robert McDaniel (50% to 75%), Michael Verity (25% to 50%), Jayce Lowe (10% to 25%) and Muey Herman (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 22 January 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Lighthouse Financial Services get paid?","answer":"Lighthouse Financial Services 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 Services?","answer":"Lighthouse Financial Services’ main office is at 3070 Saturn Street, Suite 101, Brea, CA 92821. Its phone number is 714-572-8900. Its website is lighthouselink.com.","source":"Form ADV Part 1A, Item 1.F, filed 22 January 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."}