As US equities have outperformed non-US stocks over the last several years, some investors may question the role that global diversification plays in their portfolios.  It is very easy to get caught up in the market swings during this unprecedented time, along with the outperformance of the largest U.S. companies. For the five-year period ending […]

Recently, both the CFP® Board and the Securities and Exchange Commission have set higher standards of care & transparency when dealing with clients.  While both are welcome developments, they are still catching up to our pledge to uphold a fiduciary duty to our clients since Lighthouse Financial Advisors was founded in 1999! A fiduciary duty […]

Financial windfalls come in varying ways, often unexpected or suddenly.  Whether an inheritance, company stock profits or sale, insurance settlement, or lottery winnings…. the unexpected pile of cash can create an initial sense of euphoria and a false sense of security. The vast majority of people blow through a financial windfall fairly quickly.  Whether large […]

Time is one of our greatest assets, yet it often seemingly passes through our lives without much thought or appreciation. One aspect of this is how little time we spend planning for our futures.  Americans on average spend more time buying a flat screen TV than planning for an IRA investment for their retirement years […]

Many prospective clients we talk to already have someone they consider a financial advisor or close too.    Your guy could be an accountant that only prepares your taxes, but does little tax planning.  Or an insurance/annuity salesman where seemingly every problem can be fixed with complicated annuities or costly whole-life insurance.   All too […]