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By Kevin Sercia, Partner & Senior Wealth Advisor, Lighthouse Private Wealth Most people picture retirement planning as one big decision, made sometime in the year or two before they actually stop working. Pick a date, run a few numbers, hope it holds. That's rarely how it actually works. By the time retirement is twelve months away, the decisions that matter most should already be settled. Real planning happens in stages, years apart, and each stage asks a different quest

By Kevin Sercia, Partner & Senior Wealth Advisor, Lighthouse Private Wealth Most investors set their risk tolerance once — in an initial meeting, on a questionnaire, at account opening — and then leave it alone for years, sometimes decades. The number gets entered into a system, a portfolio gets built around it, and it quietly becomes the default setting nobody revisits. The problem usually isn’t that the original setting was wrong. The original conversation was probably hand

How Kevin Sercia of Lighthouse Private Wealth helps investors stay focused when markets feel uncertain By Kevin Sercia, Partner & Senior Wealth Advisor | Lighthouse Private Wealth When markets become volatile and inflation remains part of the conversation, investors often feel pressure to “do something.” The headlines get louder. Account values move more than usual. Cash may feel safer. And long-term plans can suddenly feel uncertain. But in my experience, the most important

By Kevin Sercia, Partner & Senior Wealth Advisor | Lighthouse Private Wealth The active versus passive investing debate has been around for a long time. Some investors believe the best approach is to own broad market exposure at a low cost. Others believe skilled research, selectivity, and flexibility can add value in certain parts of a portfolio. In my view, the better question is not, “Which side wins?” The better question is: What does each part of the portfolio need t

Partner & Senior Wealth Advisor Kevin Sercia’s move highlights Lighthouse’s approach to helping advisors put clients first with established infrastructure and added flexibility. STUART, Fla.--(BUSINESS WIRE)--Lighthouse Private Wealth today announced the completion of Senior Wealth Advisor Kevin Sercia’s transition to the firm’s supported independent advisor model. The announcement reflects Lighthouse’s approach to helping experienced advisors operate with added flexibility w