Lightcap Financial Group, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Lightcap Financial Group is a small, recently formed registered investment adviser that serves individuals (including high‑net‑worth clients), trusts and estates, and business and retirement‑plan sponsors. Its brochure describes a suite of services—asset management, comprehensive portfolio management, standalone financial planning and employer retirement plan consulting—reflecting the standard mix of client‑facing offerings for firms in this category.
The firm provides individualized, discretionary portfolio management with ongoing monitoring and rebalancing and employs a range of analytic approaches (fundamental, technical, quantitative and sector analysis) across instruments such as ETFs, mutual funds, individual equities, fixed income and alternative investments. For employer clients it offers retirement plan consulting and assistance with investment policy and plan monitoring, acknowledging potential ERISA fiduciary responsibilities where appointed.
Distinctive elements disclosed in the brochure include the firm’s registration as an insurance producer operating under the d/b/a Lightcap Insurance Services and the fact that its representatives act as insurance agents/brokers—an additional activity the firm identifies as a potential conflict of interest. The firm also recently added proxy‑voting capability and reports managing about $18.7 million in discretionary assets since its 2025 inception, combining institutional plan work and insurance activities in a way that is less common among similarly sized advisers.
Client services
Expertise
Occupation focus
Fee options
Flat fees for financial planning up to $100,000; retirement plan consulting may be flat fee.
Maximum hourly fee of $1,000 for financial planning and consulting services; retirement plan consulting may be billed hourly.
Fee-only: Hourly fee up to $1,000 per hour; flat fees up to $100,000 for financial planning and consulting services; fees for retirement plan consulting may also be hourly or flat fee.
Main office
2869 Historic Decatur Rd.
San Diego CA 92106
Advisors at this office
2
Most active in
California · Texas
Also doing business as
Lightcap Financial Group, LLC · Lightcap Insurance Services
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Tyler B
Series 65
San Diego, CA
Lightcap Financial Group, LLC
Tyler Birch is a financial advisor at Lightcap Financial Group, LLC in San Diego, CA. He holds a Series 65 designation and has been in the industry for one year. His prior experience includes roles at CDW and positions related to education and retail. Lightcap Financial Group is a recently formed registered investment adviser serving individuals, trusts and estates, and business and retirement-plan sponsors. The firm offers discretionary portfolio management, standalone financial planning, and retirement plan consulting, utilizing a variety of analytic approaches across multiple investment instruments.
Joshua L
CFP®, Series 66
San Diego, CA
Lightcap Financial Group, LLC
Joshua Lightcap is a CFP® and holds a Series 66 designation with seven years of industry experience. He is the principal advisor at Lightcap Financial Group, LLC, where he has worked since 2025. Prior to founding his firm, he spent six years at Edward Jones. Lightcap Financial Group is a small registered investment adviser serving individuals, trusts, estates, and business and retirement-plan sponsors. The firm offers discretionary portfolio management using various analytic approaches and provides retirement plan consulting and insurance services.
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