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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?

We believe income taxes are the central focal point of most financial programs. Therefore, we offer an income tax preparation service, as well as tax planning and audit representation These services are included under a full annual retainer agreement.

Whom do you serve?

Our clients are individuals and small to medium sized business owners.

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?
There is no minimum or maximum dollar requirement to start a financial plan. We recognize that persons with little or no assets have as much need for financial planning as those with ample assets.
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?

Yes. Section 212 of the Internal Revenue Code permits an itemized deduction for tax and/or investment advice in the miscellaneous section of Schedule A. This deduction is now subject to a 2% floor of the adjusted gross income. Clients who own their own business, have a farm or rental property, or who buy and sell investments may also be able to deduct a portion of the fee on the corresponding schedule.

Do we sell financial planning products, such as investments, insurance, or tax shelters?
No we do not sell financial planning products. We are fee-only planners. Products must be purchased by clients from other sources. We will suggest investments you can make without paying commissions.
When we develop a financial planning program together, are you obligated to purchase the recommended products?
Absolutely not. In fact you are encouraged to shop for the best available product.
Do we only provide complete programs?
No. Although a complete program is most likely beneficial, we can limit our advisory services to your specific needs, such as tax analysis, or estate planning.
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?
Yes. It is the law.
Once a plan is completed, does our relationship end?

It should not. Financial planning is a process, not an event. We offer ongoing services, periodic reviews, and day-to-day consultation if requested.

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.