Lighthouse Financial & Consulting Services, LLC

Lighthouse Financial & Consulting Services is an independent registered investment adviser that serves individuals, high-net-worth individuals, and trusts, offering ongoing portfolio management and financial planning services, including Medicaid planning, estate, retirement, and college planning. The firm manages approximately $33.6 million across roughly 359 client relationships and provides both ongoing discretionary portfolio management and one‑time financial plans.

The firm documents each client’s goals and risk tolerance in an Investment Policy Statement and applies a range of analytical methods—fundamental, technical, quantitative, charting, cyclical analysis, and modern portfolio theory—to construct portfolios that typically emphasize ETFs and U.S. Treasury bills/notes among other securities. Lighthouse generally seeks discretionary authority to implement trades, conducts at least quarterly account reviews, and may employ long‑ and short‑term trading, margin transactions, and options strategies.

Notable differences from many peers include the combination of a solo advisory practice with an unusually high client load per advisor and the firm principal’s licensure as an insurance agent; the brochure discloses that insurance products may be offered and that such sales can involve commissions. The firm also discloses fixed‑fee Medicaid planning (listed between $7,500 and $20,000) and the coexistence of fee‑based AUM management alongside commissionable insurance activities, a mix that can create distinct conflicts of interest and operational dynamics compared with typical independent advisers.