Why I’m Always Rationally Optimistic

Happy New Year !  I am writing you to summarize the following:

  1. An overview of 2015 Stock Market Performance (All Data from Morningstar)
  2. January nose dive (or normal market volatility)
  3. Why I’m always rationally optimistic (Stolen from the title of Matt Ridley’s Book– The Rational Optimist) – and why you should be too.

2015 Total US Stock Market – 1st Qtr. 1.7% 2nd Qtr. .08% 3rd Qtr. -7.38% 4th Qtr. 6.33% –  – 2015 full year .69%

2015 Returns  – S&P 500 – 1.38%   / Barclays US Aggregate Bond Index – .55% /  DFA US Core Equity II  – -3.07% / US Small Cap Value Stocks -8.65%  

2015 Returns  – MSCI Europe Asia Far East Index – -.81%  Emerging Markets -5.5%  

In hindsight, 2015 was the year to be long US Large Growth Stocks up 7.71% and avoid US Small Value down -8.65%.  Driving Large Growth returns were 4 Stocks – Facebook (+36%), Google (+49%), Amazon (+122%) & Netflix (+131%) which everyone has used or know someone who has in 2015. Even with a flat return for 2015 & massive decline in 2008, the 10-year annualized returns for the S&P 500 6.15% / DFA Small Cap Value 4.91% / DFA US Core Equity II  5.86% were still solid.

2016 is off to the worst start ever. S&P 500 is down -5.82%  YTD.  DFA Global Equity is down -6.5%  YTD. Since it’s the start of New Year, it makes things look even worse when actually it’s quite normal market volatility.

The S&P 500 Peak to Bottom average intra-year drop is a whopping 14.2% while still having positive returns in 27 of 36 years going back to 1980. (We have plenty of charts)

Of course, the news is no respite from a poor outlook. China’s economy is too weak when a few years ago its economy was too strong. Oil prices are now too low when a few years ago oil was too high. Now, the US dollar is too strong when a few years ago it was too weak.  Interest rates are too low and after a quarter-point increase everyone asking was it was a mistake to increase?

What does this mean for your portfolio?  In the short term it will be down from its peak value. However, your equity/stock portfolio is built for the long term. Spending and savings will come from short term bonds, cash & money you earn.

Markets Reward Discipline – here are a few headlines from 1980 going forward – Oil Prices Quadruple, US inflation 13.5%, Black Monday, Savings and Loan Crisis, Iraq invades Kuwait, Asian & Russian Currency Crisis, Y2k, 9/11, Dot.com Crash, 2008 Subprime Mortgages, Euro Zone Debt, Fiscal Cliff, Greece, Lowest price of oil since 2003. But hidden underneath are the seeds of tomorrows prosperity.

Why I am always rationally optimistic –

  1. Collaboration is happening instantaneously
  2. Technology is getting better every second of every day.
  3. The 4 best performing growth stocks of 2015 didn’t exist 20 years ago and most folks can’t live without them today. I cannot wait for what is next.
  4. What about these new start-up’s – UBER, Airbnb, SpaceX, Palantir, Snapchat, Pintrest, etc.
  5. US GDP is over $18 Trillion dollars it grew at 2.1% in the 3rd quarter of 2015 – 2.1% of $18 Trillion is a pretty big number
  6. Oil is low so gas is cheap – not good for the oilman but that should give a big boast to everyone else.
  7. Is Oil cheap because alternatives are already in the pipeline? Saudi Arabia wants to sell its oil company. This will solve Climate Change the old fashion way with human ingenuity.
  8. It’s easier today than any time in history to invest in our own human capital
  9. Kids today can Google all the information that exists in world / Years ago people went to Universities because they owned all the books.
  10. There really is less war & poverty – extreme poverty has declined 43% since 1990 – not fast enough but it is accelerating with the advances in Collaboration.

Despite all the turmoil, human evolution & capitalism drives the world forward and it’s never happened at a faster pace than today. Plus, life is more enjoyable looking at the glass half full then half empty.

 

 

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Eduation Savings

“Back-To-School” is a good time of the year to think about saving for your children’s and grandchildren’s education. 

There are several types of education accounts that you can choose from. We can help you plan education savings that may be right for you!

Here are some facts about the different accounts:

 

529 Accounts – What is a 529 plan?

A 529 plan is a tax-advantaged savings plan designed to encourage saving for future college costs. 529 plans, legally known as “qualified tuition plans,” are sponsored by states, state agencies, or educational institutions and are authorized by Section 529 of the Internal Revenue Code.

  • An account holder establishes a 529 account for a beneficiary (student) for the purpose of paying the beneficiary’s eligible college expenses (tuition, room & board, mandatory fees, books and computer, if required by school).
  • Several Investment options are available (stocks, mutual funds, bond mutual funds, and money market funds, as well as, age-based portfolios that automatically shift toward more conservative investments as the beneficiary gets closer to college age).
  • Withdrawals from college savings plans can generally be used at any college or university for qualified expenses.
  • The beneficiary of the account can be changed or monies transferred to another beneficiary, should the original beneficiary not need the funds or if they do not meet the requirements for withdrawal.
  • Tax benefits – Earnings in 529 plans are not subject to federal tax, and in most cases, state tax, so long as you use withdrawals for eligible college expenses.
  • If withdrawals are made and are not used for an eligible college expense, the earnings of that withdrawal will be subject to income tax and an additional 10% federal tax penalty.
  • Some states offer state income tax or other benefits for investing in a 529 plan. But you may only be eligible for these benefits if you participate in a 529 plan sponsored by your state of residence. Just a few states allow residents to deduct contributions toany 529 plan from state income tax returns.

 

Coverdell ESA Accounts – What is an ESA account?

A Coverdell ESA is a trust or custodial account created for the purpose of paying the qualified education expenses (higher education expenses, but also to elementary and secondary education expenses) for a designated beneficiary.

  • When an account is established, the designated beneficiary must be under age 18 or a special needs beneficiary.
  • Contributions to a Coverdell ESA are not deductible, but amounts deposited in the account grow tax free until distributed.
  • Contributions can be made to an ESA account by any individual who has a modified adjusted gross income for the year less than $110,000 ($220,000 in the case of a joint return).
  • Contribution must be made in cash.
  • Contributions are limited to $2,000 per year.
  • There is no limit on the number of separate Coverdell ESAs that can be established for a designated beneficiary. However, total contributions for the beneficiary in any year cannot be more than $2,000, no matter how many accounts have been established.
  • Generally, distributions are tax free if they are not more than the beneficiary’s adjusted qualified education expenses for the year.
  • Any amount distributed from a Coverdell ESA to a beneficiary is not taxable if used for qualified expenses or if it is rolled over to another Coverdell ESA for the benefit of the same beneficiary or a member of the beneficiary’s family (including the beneficiary’s spouse) who is under age 30. This age limitation does not apply if the new beneficiary is a special needs beneficiary.
  • The balance in the account generally must be distributed within 30 days after the earlier of the following events.
    • The beneficiary reaches age 30, unless the beneficiary is a special needs beneficiary.
    • The beneficiary’s death.

UTMA Accounts – What is a UTMA Account?

A UTMA (Uniform Transfer to Minor’s Act) account is a custodial account which allows you to invest in the child’s name taking advantage of the child’s potentially lower tax rate.

  • These accounts can be used for any expense for the benefit of the child (health, education or welfare).
  • UGMA and UTMA accounts are not specifically designed to provide financing for college, however many investors use them for this purpose because the assets become available to the minor when he or she reaches the age of majority specified under the state’s UTMA law (varies from 18-25).
  • A donor’s income taxes may be lowered by transferring income-producing assets or appreciated securities to a child, who is likely to be in a lower tax bracket.
  • Interest, dividends and other unearned income from UTMA accounts are taxed at Child’s Investment Income (Kiddie Tax) rate.  The first $2,000 of interest, dividends and other unearned income in the UTMA account is tax-free.  The second $2,000 of unearned income is taxed at the Child’s rate.  Unearned income over $4,000 (in a UTMA account) is then taxed at the parents’ marginal tax rate.
  • Anyone can contribute (or “gift”) to a child’s UTMA account (within legal “gifting” limits).
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Tax Preparer Guide to Identity Theft

Everywhere you turn you hear more and more instances of identity theft.  As tax preparers, we see this when electronically filed returns are rejected because someone has already filed using a stolen Social Security number.    This is the start of a time-consuming and frustrating process.  Earlier this year, Turbo Tax suspended State e-filings due to a large number of fraudulently filed returns.

The problem is getting worse.  According to the Treasury Inspector General for Tax Administration, there were almost 2 million suspected tax identity theft incidents in 2013, compared with 440,000 in 2010.  It is estimated the IRS refunded $5.8 billion of fraudulent claims, while blocking $24 billion in attempts.

However, there are steps you can take to help prevent tax-related identity theft and your tax preparer can play a critical role in assisting you.

First, ask the IRS for an Identity Protection PIN.  Your return will not be accepted unless your PIN is included and the PIN will change each year.  If you are married, each spouse should obtain an IP PIN.  To get one, apply at http://www.irs.gov/Individuals/Get-An-Identity-Protection-PIN. If your return has already been compromised, complete Form 14039, Identity Theft Affidavit, to put an indicator on tax records for future questionable activity.  http://www.irs.gov/pub/irs-pdf/f14039.pdf

Second, be proactive.  Update your passwords regularly, update computer applications including antivirus software and use password-protected Wi-Fi.  Shred sensitive documents.

Third, beware of phishing scams and remember the IRS never initiates contact by email, text or social media.  If you receive a call from the IRS, ask for a number to call back and confirm it is from an actual IRS representative.

If you are a victim of tax-related identity theft, expect a long drawn out process.  A resolution from the IRS takes on average 120-180 days.  In addition, it is near impossible to contact the IRS for updates along the way.  Plus, you will not receive a tax refund until the matter is resolved.

There are no easy solutions against identity theft as our life’s become more electronically focused; however, taking a few simple steps can save you several headaches along the way.

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Spend Your Time

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 according to an annual survey by TIAA-CREF.  While this is just one example, we certainly find it very true that most people spend more time planning a week vacation than they do retirement planning.

The average amount of time reviewing and preparing taxes ranges from 10-16 hours.  They are so time intensive for two reasons:

  1. The tax code and forms are complex.  And so is every other aspect of financial planning!
  2. You are required to file your taxes.  Imagine if you were required to spend even an equal amount of time on your personal financial planning.

This would be a huge step forward for many people, but how far would you get? Could you….

  • Understand how human emotions trip up the best laid plans?
  • Select an investment allocation and develop a long term strategy during difficult times?
  • Ensure you’re saving & investing properly for your financial independence?
  • Set financial goals and quantify how to achieve them?
  • Ensure you’re properly insured, but not spending more than necessary?
  • Not just prepare your taxes, but continuously be tax planning?

The time it would take to replicate the experience and knowledge of a dedicated team of comprehensive financial planners & CPA’s  would be daunting…that’s why most don’t bother.  It is our full time job and passion; let us save you the time of tax planning and prep, and redirect that time towards meaningful long term planning.

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How We are Unique

We differ from most of our competitors in several ways. You should expect a lot from your financial advisor.

First, we are compensated exclusively by a flat fee paid by our clients thereby allowing us to work solely in our clients’ best interests. Our clients can trust that we have no agenda other than their financial well-being. It should be plan, process then investment vehicle.

The second major way in which we differ from our competitors is that we work as a team with our clients, providing personal attention every step of the way. At Lighthouse Financial Advisors, Inc. each client is given the attention of all of our personnel, is counseled in the same manner and receives the same innovative level of advice and hands-on, courteous service.

The third way we differ from our competitors is that we create customized solutions for our clients. Our specific advice in the areas detailed below significantly increases our clients’ chances of achieving their financial goals. Initially, we work with our clients over a three-month period to develop a comprehensive plan to achieve their financial goals. Most planners meet with you once to gather all your data and generate a generic plan which you are expected to implement on your own, or they use the plan to sell their firm’s financial products.

The fourth way we differ is that we provide continuous, ongoing advice that can be modified to accommodate a client’s life transitions and changing life circumstances.

The final way we differ is that we not only provide proactive tax strategies, but we implement those strategies by annually preparing our clients’ tax returns. Preparing our clients’ tax returns allows a seamless approach in the financial planning process.

1) COMPREHENSIVE FINANCIAL PLANNING

Goal Setting
Setting attainable goals are the key to a sound financial plan. We help you set goals for the near term and for the long term, including: Retirement Planning, Education Planning and Business Transition.

Insurance Review
We review your insurance needs (property and causality, disability, life and others), current coverage and deductibles, as well as examine policies before you purchase them. We also help you coordinate your employee benefits packages.

Estate Planning
We can help you think through how you want your children taken care of and how your estate will be distributed with emphasis on reducing estate taxes and probate cost.

 

2) INVESTMENT COUNSELING

Portfolio Analysis
Are your present investments appropriate for your risk tolerance? Tax bracket? Long-term goals? Is your retirement plan-IRA, Keogh, 401(k), 403(b)-invested correctly? Are you taking full advantage of these accounts?

Asset Allocation Strategy
We will show you how to balance your investments to hedge against extreme economic cycles. We will show you how to appropriately diversify based on your investment horizon.

Implementation with No-load Mutual Funds
We analyze no-load mutual funds and make specific recommendations. There are no hidden sales charges in this service.

 

3) TAX ADVICE

Tax Planning and Preparation
We prepare your income tax returns and provide you with professional advice year-round. We will teach you how to reduce your taxes. (Think of that tax savings each year as an easy way to help offset our fee.)

Audit Protection
If the IRS ever audits you, we will be there to assist you in the audit. With us, you will never have to face the IRS alone.

Record Keeping System
We will provide you with a computerized organizational system that requires minimal effort to maintain and is designed to maximize tax savings.

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5 Smart Lifestyle Changes to make in your 20s

Your twenties are an exciting time in one’s life and also an extremely important time to set the financial foundation for the rest of your life. In your 20s you must learn to transition from a lifestyle without significant responsibilities into the “real world” making your 20s a decade of tough lessons. Whether you’re on your own or still with your parents, trying to discover the best career or still in school you should look to your peers who have already been through it.

Here at Lighthouse Financial we believe this stage of your life is the “Building the Foundation” stage. Listed below we have five important ways you could help yourself build the foundation to achieve the ultimate goal of Financial Freedom sooner than later.

1) Pay Yourself First
The golden number is to try and save 10% of your annual income. One of the most important savings plans we should take advantage of are the “tax-deferred” savings plan your employer offers. Retirement may seem too far away to worry about, but the earlier you start, the better off you will be. Use the “Compound Interest Calculator” to see how much any savings each year could help you retire at the age you desire.
i. http://www.investor.gov/tools/calculators/compound-interest-calculator

2) Have an Emergency Fund
This is something people of all ages struggle with, but it’s important for individuals to understand the consequences of not having an emergency fund at a young age. A general rule of thumb is to try and have 3 to 6 months’ worth of expenses tucked away and easily available when needed.

3) Establish Credit
Building good credit in your 20s will allow you to make those bigger purchases later on in life. You should start by selecting a good credit card and focus on establishing smart credit card habits. Make sure you learn the differences between bad debt, good debt, and acceptable debt. Avoid the bad, use the acceptable debt wisely, and take advantage of the leverage of good debt.

4) Always be covered with Health Insurance
Many individuals in their 20s feel invincible when it comes to health. What they may not realize is that medical bills are one of the biggest causes of personal bankruptcy. You should take advantage of the health insurance your employer provides and if they do not offer you should take a look at https://www.healthcare.gov/ to see what kind of coverage you could afford. What many individuals do not realize is that health insurance is mandatory in the US, and individuals who choose not to have it are required to pay a fee of 2% of your annual household income or $325 per person each year. (Whichever is higher)

5) Invest in Yourself and your Career
Your career and your ability to create income is your greatest asset. In your 20s you should be more concerned with taking the job that offers you the most professional opportunity and not necessarily the highest salary. For many individuals, the biggest asset in their portfolio is their human capital. It is their ability to use their skills, experience, and talent to earn income throughout their lifetime. It is a great time to add to your resume by earning a master’s degree or taking professional certifications and training courses to broaden your professional horizons.

 

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Helpful Hints in Preparing for a Meeting with a Financial Advisor

A Financial Advisor can help you to navigate your financial waters. Meeting with a Financial Advisor is an important opportunity to discuss your financial goals, any changes that may occur and when ready, prepare for retirement. Listed below are some helpful tips on how to prepare for a meeting with a Financial Advisor.

Write down your Financial Goals – prioritize your goals!
Some questions you may want to ask yourself and discuss with your advisor:

  • Are your investments tax efficient, low cost and the most beneficial for your specific needs?
  • Are you saving to buy a home? Do you need help or advice obtaining a mortgage?
  • Are you starting a new job or career? Do you need advice concerning your employee benefits (insurance, etc)?
  • Tax planning – do you have sufficient withheld from your pay?
  • Do you have loans (student loans or other) or debt that you want to pay off or pay down?
  • Do you have children that you would like to save for education expenses?
  • When do you want to retire? What lifestyle do you expect to have during retirement?
  • Do you have an emergency fund? How much should you have?

When you are ready to schedule a meeting with a Financial Advisor, these are some important documents you should gather to bring to your meeting:

  • A list of your Goals
  • Current: 401K statements, investment account statements, bank account statements, info for 529 savings, stocks, bonds, etc.
  • Monthly Expenses
  • Tax Returns (if your advisor doesn’t already have them)
  • Current employee benefit info and compensation info (latest pay stubs, SS, pensions, trusts, inheritance info)
  • Insurance policies – (Life, health, auto, home, umbrella, etc) (declaration pages usually have all important info)
  • Estate Plan documents (wills, Power of Attorney, Living Wills, Healthcare Directive, etc.)

At Lighthouse Financial Advisors, we always welcome new clients and very much appreciate our client referrals. If you know someone who can benefit from our services, please feel free to give them our information so they can contact us and get started on their journey to financial freedom!

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Maximizing Social Security Benefits by Not Claiming at Age 62

Choosing the right age to start Social Security benefits is one of the most important decisions in your financial life.  Unfortunately, most people are tempted to claim as soon as they become eligible at age 62.  This strategy results in reduced lifetime benefits for you and your spouse and may have a lasting impact on your financial future.

If you can afford to wait till full retirement age (FRA) between 66 to 67, or better yet age 70, you can substantial increase your monthly benefit.  If you start social security at age 62, you will receive 25% less per month than if you waited till FRA.  If you can wait till age 70, then your monthly benefit will increase 32% more than FRA benefit.  For example, if your FRA benefit is $1,600 then you would receive $1,200 at age 62 and $2,112 at age 70.  It is tough to earn a guaranteed 8% annual return in this interest rate environment!

According to the Social Security Administration, at whatever age you start receiving benefits, you will collect the same amount of total benefits if you live to your average life expectancy.  The average life expectancy for a male turning 62 is 83.9 and the average for a female is 86.3.

Taking your Social Security benefit early may have a huge impact on your spouse.  The spousal benefit is limited since he is eligible for a percentage of your benefit and a lower benefit equals a lower spousal benefit.  In addition, if your spouse outlives you he would be entitled to your full monthly benefit for the remainder of his life.  This is known as the survivor benefit.  Also, if you claim benefits before FRA, you lose out on a very valuable strategy known as “file and suspend,” where you wait till FRA, file a claim then suspend the benefit immediately.  This allows your spouse to collect on your record while their own social security benefit grows and he can collect on the higher benefit at age 70.

The cost-of-living adjustment (COLA) is updated on an annual basis and a lower starting benefit equals lower increases in the future.

Ultimately, the right strategy depends upon several factors including retirement savings, life expectancy, career earnings and goals.  The key is to understand all your options before making a decision.

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Why We Love Robo-Advisors

One of the largest trends in investment advice is coming from an increasing number of online robo-advisors.  While services vary, the main service offering is an easy access investment plan and in some cases, basic financial planning advice.  We certainly appreciate their fee transparency (you should always know exactly what you pay for a service!) and the goal of keeping you invested.

We view these largely as a good thing for uncomplicated and beginner investors, mainly because it’s better than what they usually have…nothing!  Since many advisors have large minimums and fees in the range of 1-2% of assets under management, one-on-one investment/financial planning advice can be unattainable or seemingly very costly.  Robo-advisor’s fees generally range from .10% up to .89% with minimum deposits from $0 to $100,000.  While this is generally lower than a live advisor, you do give up significant benefits of a holistic fiduciary advisor.

The Lighthouse Financial Advisors, Inc approach is to create enough value to earn our fee and strive to keep it well below the industry average. All while providing comprehensive tax, investment, and financial planning guidance.  Part of an advisor’s value comes through managing the behavior gap, by establishing a customized investment allocation based on your risk tolerance and goals.  Then making sure you actually stick with it in tough times.  A Dalbar Inc. study shows, For the twenty years ending 12/31/2013 the S&P 500 Index averaged 9.22% a year. A pretty attractive historical return. The average equity fund investor earned a market return of only 5.02%.   This is a stunning amount of return to miss out on, and is largely due to investors behavior gap of buying high and selling low.

We also provide proactive tax planning & prep, goal setting, insurance reviews, estate planning guidance, and are virtually always available for one-on-one planning.

For additional information on the different investment profiles (which can vary widely and perhaps take more risk than you’re willing to face in a down market) created by various robo-advisors, please see this informative article from www.wsj.com – http://www.wsj.com/articles/putting-robo-advisers-to-the-test-1429887456

Written by: Luke Carey, CFP®, EA, MS

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JP Morgan Private Banker Pens ‘Sales Culture’ Diatribe

As if the fiduciary standard meme isn’t enough of a debate these days, JPMorgan hopes that nobody notices how far away they are from relative suitability. In fact, the entire JP Morgan private banker model is to shovel as much $JPM product down clients’ throats as they possibly can. Mutual funds, mortgages, trust services, credit cards, etc. are all part of the dog and pony show when you become a client of the $JPM private bank. The overt attempt to stamp JPMorgan product all over a client’s portfolio is so far beyond any discussion of ‘fiduciary duty’ that it would make you laugh if you could stop crying. Here is the correspondence that we received – both the picture of the letter and the actual text. It is eye opening:

“So, where did the crack begin?

When JPM PB introduces a “metric system” about 7+ years ago, Senior Bankers were to be paid a discretionary bonus based on (1) net new AUM, (2) percentage change in revenue, and (3) net new clients. Fair enough. Except in a “tales you lose, heads I win” approach, management takes these metrics and then uses them to “quintile” you vis-a-vis your peers. Remember, I said “discretionary” bonus. Over time, the quintilling system got very opaque. Regardless of metric achievement, JPM needed to do well. Asset Management needed to do well, Private Bank needed to do well, and your team needed to do well. And of course, you needed to do well: as in high quintile. In other words, you might as well say: Mars needed to align with Saturn and the moon needed to be in lunar eclipse when bonus decisions were made.

Over the same time, an intense sales culture and product push evolved. Some of the older leaders and Senior Bankers began to understand that client retention, client service, and client advisory was not factored in to any of the metrics. Need new clients: well then, open up a custody account and get the fees discounted. Need percentage change in revenue: well then, hit it on any of the metrics. Need percentage change in revenue: well then, hit it on the big one-time transaction but be sure to shuffle the account to a junior person next year (or be saddled with a revenue decline next year when the transaction does not reoccur). The “integrated team”, which was once a trusted advisory partnership, became a source of “product push” partners from different areas (lending, alternatives, mortgages, etc).

Finally senior management has been parachuted in with people who have a sales manager mindset: all with view toward achieving month to month sales objectives. Client grids handed out with products on one axis and client names on the other: why doesn’t this client have a loan, a mortgage with us, even at one point: credit cards! Let’s look at your metrics. I need a pipeline list of your prospects, etc. etc. What new sales calls are you going on. Have you been cold calling?

All the while, solid client management people with years of experience are being pushed aside, not listened to. Compensation was easily down this year for most players. People are working hard, and the beast needs to be fed, the revenues and AUM must continue to increase. Compounding: more and more. There is no relief. there are plenty of junior people that are looking to jump in your seat. There is no respect. My manager doesn’t care about me. You must get new accounts, new AUM, increases in revenue. Hopefully enough to quintile you so you have another year to play. As for your bonus this year: well…Jupiter did not align with Mars, sorry. All the while, there is no time for good solid client advisory and relationship management: that, my friend, is not a metric. And if it is not a metric achievement, it is not valued.”

Loans, mortgages, credit cards – oh my! This certainly makes the fiduciary ‘do or don’t’ conversation pale in comparison. There is also an element of how much more blood can you squeeze out of a turnip? Once clients are loaded up with $JPM product what else can they be burdened with. This seems to be at the heart of this advisor’s issue. 

Written by:  Angela Poupart/AdvisorHub –

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Contact

Lighthouse Financial Advisors

3 Harding Rd Suite B
Red Bank, NJ 07701

P: 732.747.6697
F: 800.886.0302
info@lfadvisors.com

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Client Relationship Summary – Form CRS
Firm Brochure – Form ADV 2A

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