Lighthouse Financial

What Lighthouse Financial does

Lighthouse Financial (dba LH Financial) is a privately held, boutique financial services firm headquartered in Rogers, Arkansas, that provides fee-based, fiduciary financial planning and wealth management to high net worth individuals and business owners across the United States. The firm is organized around two core service lines—Strategies for Individuals and Strategies for Businesses—covering financial planning, wealth management, estate planning, retirement plan design, executive benefits, business succession and continuation planning, and a differentiated "tax-smart investing" approach that combines asset allocation with asset location to minimize retirement-era tax burden. Its product set spans IRAs, 401(k)/403(b) plans, fixed income and equity investments, annuities, life and disability insurance, group insurance, ESOPs, and split-dollar plans, sourced through partnerships with Fidelity, eMoney, CES, Equitable, and Charles Schwab.

The firm operates a sales-led, relationship-driven GTM motion: 45–60 minute discovery meetings, risk tolerance and discovery questionnaires (SurveyMonkey), community engagement (#MoreThanFinance), and content marketing drive qualified leads into the practice. Revenue is generated via transparent fee-based compensation rather than commissions, aligning advisor incentives with client outcomes. The team comprises 11 financial professionals with combined experience exceeding 60 years, including CFP®, CPA, MBA, and estate planning credentials, with notable leadership additions from Walmart (Steve Schultheis, COO in 2021; Reg Goshert, Financial Planner in 2025) reinforcing executive equity compensation expertise. The firm carries no proprietary technology stack and no external institutional funding, operating as an independently owned practice targeting a national client base from a single Arkansas office.

Name

Lighthouse Financial

Legal name

LH Financial

Website

https://lhfinancial.net

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Lighthouse Financial is a privately held boutique financial advisory firm in Rogers, Arkansas, delivering fee-based, fiduciary financial planning, tax-smart investing, and wealth management services to high net worth individuals and business owners nationwide.

Ownership category

akta.pro rank

Product category

Financial Advisory & Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Client/High-Net-Worth Advisory (FSAEAAAN)

akta.pro secondary industries

Estate & Legacy Planning Advisory (FSAEAAAG), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Family Office Advisory (Single/Multi-Family) (FSAEAAAI), Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Financial planning services
• Wealth management advisory
• Retirement planning
• Estate planning strategies
• Business succession planning

Headquarters

HQ city

Rogers

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Fee-Based Advisory Services: Transparent fee-based compensation structure. Advisors are compensated through fees rather than commissions, ensuring objective advice aligned with client interests. The firm acts as a fiduciary, legally and ethically required to put client interests first.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Lighthouse Financial (LH Financial) is a boutique, fiduciary financial services firm based in Rogers, Arkansas that delivers fee-based comprehensive financial planning, wealth management, retirement planning, estate planning, tax-efficient investment strategies, and business continuation/executive benefit planning to high-income and high net worth individuals and business owners. The firm sells insurance, annuity, retirement plan, and advisory account products, and differentiates itself through a tax-smart investing approach that combines asset allocation with asset location to reduce clients' retirement tax burden.

Product overview

Lighthouse Financial is a financial services firm offering a unified suite of advisory and planning services organized around two core product lines: Strategies for Individuals and Strategies for Businesses. The individual services encompass financial planning and wealth management, estate planning, retirement planning (including IRAs, 401(k), Roth, and 529 education savings), investment management (spanning fixed income, equity, annuities, and life insurance products), and disability/long-term care coverage. Business strategies include group insurance, retirement plan administration, executive benefits, and business continuation planning. The firm also provides specialized advisory accounts through partnerships with Fidelity, eMoney, CES, Equitable, and Charles Schwab. Tax-smart investing is a distinctive approach embedded across both individual and business services, combining investment strategies with tax-efficient planning to reduce retirement tax burden.

Differentiator

Problem solved

Functional benefit

Products and services

• Strategies for Individuals Comprehensive financial planning service line for individuals covering financial planning and wealth management, business succession planning, executive benefit and deferred comp planning, employee benefit plans, estate planning and wealth preservation, risk management, and retirement planning.
• Strategies for Businesses Financial strategy service line for business owners including group insurance, business and estate planning, retirement plans, executive benefits, and business continuation programs, with hundreds of product choices to implement each strategy.
• Financial Success — Asset Allocation Investment strategy that allocates capital across different asset classes (e.g., equities, fixed income, alternatives) to reduce investment risk for clients.
• Financial Success — Asset Location Tax-smart investment strategy that places assets in different tax-advantaged and taxable account types to reduce tax liability risk on distributions during retirement.
• Group Insurance Business insurance offerings including health insurance, long-term care insurance, disability income insurance, and life insurance for employer groups.
• Retirement Plans Qualified retirement plan offerings for businesses including IRAs, SEPs, SIMPLE plans, 401(k), 403(b), Pension/Profit-Sharing, Keoghs, and 412(e) plans.
• Executive Benefits Executive compensation and benefit strategies including bonus plans, deferred compensation plans, split dollar plans, and group carve-out programs.
• Business Continuation Program Business continuity planning services covering key person coverage, buy-sell agreements, succession planning, business overhead expense coverage, disability buyout, and ESOPs.
• Life Insurance Individual life insurance offerings including annual renewable term, level term (10-, 15-, 20-year), whole life, universal life, variable universal life, survivorship variable universal life, and survivorship universal life.
• Annuities Annuity products including fixed (single, flexible, and immediate), variable annuities, group annuities for qualified retirement plans, and equity indexed annuities.
• Disability & Long-Term Care Insurance Individual disability income insurance and individual long-term care insurance products.
• Investments & Advisory Accounts Brokerage and advisory account access through Strategic Asset Management (SAM) accounts, Manager Select, Personal Wealth Portfolios, and Optimum Market Portfolios.
• Retirement & Education Savings Tax-advantaged savings vehicles including traditional and Roth IRAs, Coverdell Education Savings Accounts, and 529 Plans.
• Client Portal Access Secure client login portals providing single-point access to partner platforms including Fidelity, eMoney, CES Administration, Equitable, and Charles Schwab.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Carson Group: Large independent RIA and advisor platform serving financial advisors and their clients with wealth management, coaching, and business consulting. Directly comparable as a fee-based fiduciary RIA model with advisor-centric culture, although significantly larger in scale.
• Mercer Advisors: National independent RIA providing comprehensive wealth management, tax, estate, and investment advice to HNW individuals and families. Closely comparable integrated planning model and HNW target market, though operating at significantly larger scale.
• Creative Planning: Large independent fee-only RIA offering comprehensive financial planning to HNW individuals and business owners. Highly comparable in target market (HNW individuals/business owners), tax-smart investing positioning, and fee-based fiduciary model.
• Mariner Wealth Advisors: National independent RIA serving HNW individuals, families, and institutions with comprehensive wealth advisory. Directly comparable in HNW focus, fee-based fiduciary structure, and integrated tax/estate/investment planning.

Broad incumbents

• Commonwealth Financial Network: Large independent broker-dealer and RIA supporting independent financial advisors across the U.S. Comparable as an advisor-support platform offering retirement, investment, and business planning services to HNW clients.
• Edward Jones: National financial services firm with extensive branch network serving individuals and small businesses with investment, retirement, and insurance products. Comparable in HNW/small-business advisory offerings though delivered through a much larger, more standardized model.
• Cetera Financial Group: Large broker-dealer and RIA platform supporting thousands of independent financial advisors. Comparable in the financial advisory and retirement plan services offered to individuals and business owners, though operates at substantially larger scale as a platform.
• Raymond James Financial Services: Diversified financial services firm with a large independent advisor channel serving individuals and businesses with investment, retirement, and planning solutions. Comparable in HNW/business-owner advisory offerings, particularly relevant as Raymond James is a custodian Lighthouse uses.
• Edelman Financial Engines: Large independent RIA combining traditional financial planning with a digital advice engine, serving HNW individuals and workplace participants. Comparable in fee-based advisory and retirement-focused services, though with a much larger technology and participant base.
• Fisher Investments: Large independent money management firm primarily serving HNW individuals and institutional clients with discretionary portfolio management. Comparable in HNW-focused asset management and fee-based advisory model, though with a portfolio-management emphasis rather than comprehensive financial planning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/LighthouseFinancialAR
• LinkedInlinkedin.com/company/lhfinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lighthouse Financial