Finance of America (FOA) awards 75,000 stock options to Chief Legal Officer

Rhea-AI Filing Summary

Finance of America Companies Inc. reported an equity award to a senior executive. Chief Legal Officer Lauren Richmond received stock options giving the right to purchase 75,000 shares of Class A common stock at an exercise price of $25 per share, with a transaction date of 12/19/2025. These options expire on 12/19/2030.

According to the filing, the 75,000 stock options vest in one-third increments on the first, second, and third anniversaries of the vesting reference date of December 19, 2025, subject to Ms. Richmond’s continued employment. After this grant, she beneficially owns 75,000 derivative securities directly, reflecting a standard long-term incentive structure for a key officer.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Richmond Lauren

Role Chief Legal Officer

Type	Security	Shares	Price	Value
Grant/Award	Stock Options (Right to Buy)	75,000	$0.00	$0.00

Holdings After Transaction: Stock Options (Right to Buy) — 75,000 shares (Direct)

Footnotes (1)

1. F1. These stock options vest in one-third increments on the first, second and third anniversaries of the vesting reference date, December 19, 2025, subject to the Reporting Person's continued employment.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 12/23/2025 - 04:08 PM Learn about SEC filing dates

FAQ

What did Finance of America Companies Inc. (FOA) disclose in this Form 4?

The company disclosed that Chief Legal Officer Lauren Richmond received stock options for 75,000 shares of Class A common stock at an exercise price of $25 per share, with a transaction date of 12/19/2025.

Who is the insider involved in this FOA Form 4 filing and what is their role?

The reporting person is Lauren Richmond, who serves as Chief Legal Officer of Finance of America Companies Inc.

How many FOA stock options were granted and at what exercise price?

The filing reports a grant of 75,000 stock options on Finance of America Companies Inc. Class A common stock, with an exercise price of $25 per share.

What is the vesting schedule of the FOA stock options granted to the Chief Legal Officer?

The 75,000 stock options vest in one-third increments on the first, second, and third anniversaries of the vesting reference date, December 19, 2025, subject to the reporting person’s continued employment.

When do the FOA stock options granted to Lauren Richmond expire?

The stock options granted to Lauren Richmond have an expiration date of 12/19/2030, as disclosed in the filing.

How many derivative securities does the FOA Chief Legal Officer beneficially own after this transaction?

Following this transaction, the filing shows that 75,000 derivative securities (stock options) are beneficially owned directly by the Chief Legal Officer.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Richmond Lauren

(Last) (First) (Middle)

C/O FINANCE OF AMERICA COMPANIES INC.

5830 GRANITE PARKWAY, SUITE 400

(Street)

PLANO TX 75024

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Finance of America Companies Inc. [ FOA ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Legal Officer

3. Date of Earliest Transaction (Month/Day/Year)
12/19/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options (Right to Buy)	$25	12/19/2025		A		75,000		(1)	12/19/2030	Class A Common Stock	75,000	$0	75,000	D

Explanation of Responses:

1. These stock options vest in one-third increments on the first, second and third anniversaries of the vesting reference date, December 19, 2025, subject to the Reporting Person's continued employment.

Remarks:

	/s/ Tracy Lowe, as power of attorney for Lauren Richmond	12/23/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.