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Working with Lighthouse Financial Advisors

There are many ways to work with us. Below is an outline of our services. We provide complimentary services to get you started, as well as in-depth wealth management packages to take your financial planning to the next level. Please reach out to us if you have any questions! If you are a business owner, we have a program designed specifically for you.

OUR SERVICES

Consultation

COMPLIMENTARY
  • CLIENT VALUE: Ideal for the potential client interested in learning more about the services provided by Lighthouse Financial Advisors
  • DEPTH OF ANALYSIS: Basic overview of LFA and review of planning profile during a preliminary phone call or in-office meeting with advisor
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Financial Review

$900*
  • CLIENT VALUE: Specific answers to 3 burning financial questions (following review of planning profile and initial consultation)
  • DEPTH OF ANALYSIS: Review of Financials with main focus on 3 immediate issues/topics, providing actionable and written recommendations based on your financial situation
  • Some assistance with execution of recommendations and follow-up by Lighthouse Financial Advisors
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Wealth Management

MINIMUM $5,000**/YR
  • CLIENT VALUE:  Wants/Needs ongoing financial planning support, wants assistance in monitoring progress made over period of time, and ongoing financial coaching
  • DEPTH OF ANALYSIS: Ongoing and in-depth financial planning/ coaching, offering extensive advisory assistance
  • Extensive assistance with execution of recommendations and follow-up by Lighthouse Financial Advisors.
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Category
LFA Advisors
Other Advisor(s)
Do-It-Yourself
Credentials
CPA, CFP, PFS, NAPFA, Cambridge Advisor
Compensation Method
FEE ONLY
BASICS
Registered Investment Advisor
YES
Products Sold
NONE
Committed to Client Education
YES
Comprehensive Net Worth Evaluation (including real estate)
Evaluation of Savings Rate & Tax Efficiency
SCORECARD
Good Debt and Bad Debt Evaluation
YES
Credit Score Education
Evaluation of UnderPerforming Assets
Liquidity Management
Understanding of Income & Expenses
Simplified Bank & Brokerage Account Structure
CASH MANAGEMENT
Budgeting Assistance
YES
Credit Counseling
Debt Restructuring
Bankruptcy
Short/Long Term Goal Setting & Prioritization
GOALS
Understanding Probability of Achieving Goals
YES
Annual Review of Goals and Progress Achieved
Evaluation of Savings Needed to Achieve Financial Independence
Evaluation of Cash Flow
Estimation of Timeline to Independence
FINANCIAL INDEPENDENCE
Probability of Achieving Independence Goals
YES
Tax Management of Retirement Account
Periodic Review of Asset Allocation
Periodic Review of Investment Strategy
Evaluation of Various Risk Exposures
Strategy to Mitigate Risk of Exposures
Evaluation of Current Insurance Needs:
-Income Replacement (Life/Disability/Buy/Sell)
RISK MANAGEMENT
-Health: Medical/Dental/Long Term Care
YES
-Property: Auto/HomeOwner/Estate Planning
Recommend Changes in Coverage (if needed)
Adjust Insurance (if needed)
Review & Manage Employee Benefit Plans
Category
LFA Advisors
Other Advisor(s)
Do-It-Yourself
Risk Tolerance Analysis
Investments with Proper Asset Allocation
Devise Investment Strategy
YES
INVESTMENT STRATEGY
Support Execution of Investment Strategy
Periodic Review of Asset Allocation
Periodic Review of Investment Strategy
Legal Strategies to Minimize Tax Liability
Strategize: Investment & Real Estate Taxes
Education: Effective & Marginal Tax Rates
TAX MANAGEMENT
Education: Recordkeeping/Retention
Income Tax Projection
YES
Monitoring Estimated Payments & Withholdings
Prepare Tax Returns
Evaluation of Past Returns for Amendments
Coordinate with Tax Authorities if Audited
Education: High-Level Estate Planning
Assess Estate Planning Goals
Coordinate with Estate Planning Attorneys
ESTATE PLANNING
Ensure Beneficiary Designation is Sound
Evaluation of Current & Potential Estate Tax
YES
Strategis to Minimize Estate, Gift & GSTT
Evaluate Means to Fund Estate Tax Burdens
Facilitate Charitable Giving Intent
Ongoing Review of Estate Planning
Review & Education: Compensation/Benefits
SPECIALIZATIONS
Evaluate: How Plans Align with Overall Goals
YES
Help Small Business Clients Strategize
Retirement/College/Marital Change/Real Estate/Monetary Settlement/Eldercare

* Entire fee is applied to Wealth Management fee if commitment received within 6 months. ** Annual fee determined by income, assets and  complexity of work.

Charting the Course To Your Ideal Future

Goal setting is the cornerstone to sound financial planning because “if you don’t know where you are going, any road will take you there!” Understanding your goals is probably the most important responsibility we have as your advisor, because it will define the success and characteristics of our relationship and help us shape the best financial advice unique to your personal situation.

Goals and Values Inventory

To prime the pump, we recommend taking the Goals and Values Inventory in the link below to help you identify and prioritize your goals.  We suggest setting aside at least 20 minutes to complete this exercise.

Goals and Values Inventory