# Lighthouse Financial

> 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.

- CRD: 137277
- Filed as: LIGHTHOUSE FINANCIAL
- Legal name: Lighthouse Financial LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Saint Petersburg, FL
- Filing period: October 2026
- Form ADV filing dated: September 14, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/137277
- AdvisorCensus page: https://advisorcensus.com/firm/lighthouse-financial-saint-petersburg-fl-137277

## Quick answers

**How is Lighthouse Financial compensated?**
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).

**How much does Lighthouse Financial charge?**
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.

**Where is Lighthouse Financial located?**
Lighthouse Financial's principal office is in Saint Petersburg, FL, according to its Form ADV.

**Is Lighthouse Financial registered with the SEC or a state?**
Lighthouse Financial is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 137277.

**How much does Lighthouse Financial manage?**
Lighthouse Financial reports $755,605,026 in regulatory assets under management in its Form ADV filing dated September 14, 2026 (27% discretionary).

**How have Lighthouse Financial's assets and staff changed since 2023?**
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.

**What types of clients does Lighthouse Financial serve?**
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).

**Which custodians does Lighthouse Financial use?**
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.

**Does Lighthouse Financial report any disciplinary disclosures?**
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

**What changed in Lighthouse Financial's recent Form ADV filings?**
In the October 2026 filing data: Registered or notice-filed in TX.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated June 2, 2026)

- Hourly rate: $120 an hour (consulting services)

> Fees associated with consulting services may be based on an hourly rate of $120 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $755,605,026
- Discretionary: $205,436,767
- Non-discretionary: $550,168,259

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 84 | $27,794,385 |
| High net worth individuals | 48 | $711,917,620 |
| Charitable organizations | 2 | $15,893,021 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2023 (3 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, GA, NC, NY, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- lighthousefinancial.info

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $452,963,384 | 1 | July 11, 2023 |
| October 2024 | $490,190,171 | 1 | March 12, 2024 |
| October 2025 | $604,566,217 | 1 | March 24, 2025 |
| October 2026 | $755,605,026 | 1 | September 14, 2026 |

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.

## Changes in the filing (last 12 months)

### October 2026
- Registered or notice-filed in TX.

### March 2026
- Regulatory assets under management went from $604,566,217 to $755,605,026 (+25%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Lighthouse Financial (CRD 137277): Form ADV filing data as of October 2026.