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A few answers to your questions.
We’ve done our best to answer the questions we know you might have. If we’ve missed any, please contact us – we’d be happy to answer what’s on your mind!
What is Lighthouse Financial Advisors, Inc.?
Lighthouse Financial Advisors, Inc. is a personal financial and tax-planning firm registered with the State of New Jersey, the State of New York, and registered with the SEC as Registered Investment Advisors.
What is a Registered Investment Advisor?
An Investment Advisor is a fiduciary that has a duty of undivided loyalty to its clients and must deal fairly and honestly with them. Any person or entity that holds itself out as a financial planner must be registered. A Registered Investment Advisor is a representative of the client.
What does Lighthouse Financial Advisors, Inc. sell?
LFA provides sound financial planning advice regarding taxes, investments, insurance, pensions, retirement, estate planning and general financial matters, but does not sell products nor do they receive any type of kick-backs or compensation for products recommended.
What tax service do you offer?
Whom do you serve?
Who can benefit most from LFA's services?
Anyone who wishes to plan prudently for his or her financial future or who has financial, tax, investment, or estate problems, can benefit from our services. Furthermore, persons who desire a higher, more sophisticated level of financial planning services may find our program appealing and helpful.
How much money do you need to start a financial program?
How much do we charge for planning services?
Our financial planning fees are determined by the project needed. We generally work on an annual retainer basis with a fee determined by income, assets, and complexity of the work.
Are the fees tax deductible?
Do we sell financial planning products, such as investments, insurance, or tax shelters?
When we develop a financial planning program together, are you obligated to purchase the recommended products?
Do we only provide complete programs?
Do we provide legal services?
No, however we work closely with attorneys to address your estate planning and other legal needs.
What method of analysis is used to analyze investments?
We do not use technical analysis or charting. We do use a fundamental approach, based on economic conditions, earnings, industry outlook, politics (as it relates to the investment), historical data, general level of interest rates, company management and tax benefits.
Do we guarantee investment performance?
Will client information be kept confidential?
Once a plan is completed, does our relationship end?
How do you get started?
Give us a call to get started with our planning profile. After completing the form you will be contacted to schedule an appointment for your complimentary phone consultation. If you have additional questions please do not hesitate to contact us.