Fiduciary-bound and SEC-registered, Lightcap Financial Group in Point Loma's Liberty Station manages roughly $11 million in regulatory assets across individual stock, bond, ETF, and mutual-fund portfolios custodied at Charles Schwab and Interactive Brokers. As an independent RIA, the practice builds client-specific allocation models unconstrained by proprietary-product quotas, a structure that parallels the objective advisory framework at Messenger Wealth Management, Inc.. ERISA-compliant retirement-plan consulting covers fiduciary oversight, fund-menu construction, and fee benchmarking for employer-sponsored 401(k) and profit-sharing plans. The team coordinates mortgage-qualification timing with lenders like ONEIL Team - United American Mortgage, structuring portfolio withdrawals and gift-fund documentation to align with purchase timelines. Full-scope wealth plans integrating portfolio management, ERISA compliance, estate coordination, and multi-year tax-bracket optimization represent the firm's most comprehensive advisory tier.