{
  "crd_number": 137277,
  "slug": "lighthouse-financial-saint-petersburg-fl-137277",
  "primary_business_name": "LIGHTHOUSE FINANCIAL",
  "legal_name": "LIGHTHOUSE FINANCIAL LLC",
  "dbas": [],
  "city": "Saint Petersburg",
  "state": "FL",
  "country": "United States",
  "cbsa_code": "45300",
  "metro": {
    "cbsa_code": "45300",
    "common_name": "Tampa",
    "msa_name": "Tampa-St. Petersburg-Clearwater, FL",
    "path": "/advisors/fl/tampa"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2023-07-31",
  "years_registered": 3,
  "period": "2026-10-01",
  "filing_date": "2026-09-14",
  "carried_forward": false,
  "raum_total": 755605026.0,
  "raum_discretionary": 205436767.0,
  "raum_non_discretionary": 550168259.0,
  "raum_band": "500m_1b",
  "raum_band_label": "$500 million to $1 billion",
  "total_employees": 1,
  "advisory_employees": 1,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 15893021.0,
      "count": 2,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 27794385.0,
      "count": 84
    },
    "high_net_worth_individuals": {
      "raum": 711917620.0,
      "count": 48
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "FL",
    "GA",
    "NC",
    "NY",
    "TX",
    "WA"
  ],
  "websites": [
    "https://lighthousefinancial.info"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/137277",
  "city_as_filed": "SAINT PETERSBURG",
  "url": "https://advisorcensus.com/firm/lighthouse-financial-saint-petersburg-fl-137277",
  "display_name": "Lighthouse Financial",
  "summary": "Lighthouse Financial is an SEC-registered investment advisory firm in Saint Petersburg, FL, registered since 2023, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated September 14, 2026.",
  "citation": "AdvisorCensus. Lighthouse Financial (CRD 137277): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Lighthouse Financial compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Lighthouse Financial reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Lighthouse Financial charge?",
      "a": "Its Form ADV Part 2A brochure dated June 2, 2026 states: Hourly rate: $120 an hour (consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Lighthouse Financial located?",
      "a": "Lighthouse Financial's principal office is in Saint Petersburg, FL, according to its Form ADV."
    },
    {
      "q": "Is Lighthouse Financial registered with the SEC or a state?",
      "a": "Lighthouse Financial is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 137277."
    },
    {
      "q": "How much does Lighthouse Financial manage?",
      "a": "Lighthouse Financial reports $755,605,026 in regulatory assets under management in its Form ADV filing dated September 14, 2026 (27% discretionary)."
    },
    {
      "q": "How have Lighthouse Financial's assets and staff changed since 2023?",
      "a": "In the Form ADV data for Lighthouse Financial: Regulatory assets under management: $452,963,384 in the October 2023 data and $755,605,026 in the October 2026 data, up 67%. Total employees: 1 in October 2023 and 1 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Lighthouse Financial serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (84); high net worth individuals (48); charitable organizations (2)."
    },
    {
      "q": "Which custodians does Lighthouse Financial use?",
      "a": "Lighthouse Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Lighthouse Financial report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/137277"
    },
    {
      "q": "What changed in Lighthouse Financial's recent Form ADV filings?",
      "a": "In the October 2026 filing data: Registered or notice-filed in TX."
    }
  ],
  "filing_history": [
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 452963384.0,
      "total_employees": 1,
      "filing_date": "2023-07-11"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 490190171.0,
      "total_employees": 1,
      "filing_date": "2024-03-12"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 604566217.0,
      "total_employees": 1,
      "filing_date": "2025-03-24"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 755605026.0,
      "total_employees": 1,
      "filing_date": "2026-09-14"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-10-01",
      "period_label": "October 2026",
      "notes": [
        "Registered or notice-filed in TX."
      ]
    },
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Regulatory assets under management went from $604,566,217 to $755,605,026 (+25%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated June 2, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $120 an hour (consulting services)"
    ],
    "figures": [
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $120 an hour (consulting services)"
        ],
        "quotes": [
          "Fees associated with consulting services may be based on an hourly rate of $120 per hour."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": null,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 120.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "consulting services"
        }
      ]
    },
    "quotes": [
      "Fees associated with consulting services may be based on an hourly rate of $120 per hour."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/lighthouse-financial-saint-petersburg-fl-137277.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 84,
      "fewer_than_5": false,
      "raum": 27794385.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 48,
      "fewer_than_5": false,
      "raum": 711917620.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 2,
      "fewer_than_5": true,
      "raum": 15893021.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/137277",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}