[Form 4] Finance of America Companies Inc. Insider Trading Activity

Rhea-AI Filing Summary

Finance of America Companies Inc. (FOA) reported insider equity activity by its Chief Financial Officer. On 11/17/2025, the CFO settled 12,452 restricted stock units (RSUs), receiving the same number of Class A common shares at an exercise price of $0. To cover taxes on this settlement, 4,456 Class A shares were withheld at a price of $22.99, leaving the officer with 22,836 Class A shares held directly.

The filing also notes outstanding RSU awards. One award covers 21,667 RSUs granted on April 1, 2024, vesting in one-third increments on the second and third anniversaries of that vesting reference date, subject to continued employment. Another award covers 42,246 RSUs granted on April 1, 2025, vesting in one-third increments on the first, second, and third anniversaries of that vesting reference date, also contingent on continued employment. Each RSU represents a right to receive one share of Class A common stock or cash, at the compensation committee’s discretion.

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

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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^*

Engel Matthew A

(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 Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/17/2025

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
Class A Common Stock	11/17/2025		M		12,452	A	$0(1)	27,292	D
Class A Common Stock	11/17/2025		F(2)		4,456	D	$22.99	22,836	D

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
Restricted Stock Units	(1)	11/17/2025		M			12,452	(1)	(1)	Class A Common Stock	12,452	$0	12,452	D
Restricted Stock Units	(3)							(3)	(3)	Class A Common Stock	21,667		21,667	D
Restricted Stock Units	(4)							(4)	(4)	Class A Common Stock	42,246		42,246	D

Explanation of Responses:

1. Each restricted stock unit ("RSU") represents a contingent right to receive one share of the Issuer's Class A common stock ("Common Stock"). The RSUs will be settled in either Common Stock or cash (or a combination thereof) at the discretion of the Issuer's compensation committee. The remaining RSUs shall vest on the third anniversary of November 15, 2023, subject to the Reporting Person's continued employment.

2. Represents the withholding of shares of Common Stock for tax purposes in connection with the settlement of RSUs.

3. Represents additional RSUs granted to the Reporting Person on April 1, 2024. Each RSU represents a contingent right to receive one share of Common Stock of the Issuer. The RSUs will be settled in either Common Stock or cash (or a combination thereof) at the discretion of the Issuer's compensation committee. The RSUs shall vest in one-third increments upon the second and third anniversaries of the vesting reference date, April 1, 2024, subject to the Reporting Person's continued employment.

4. Represents additional RSUs granted to the Reporting Person on April 1, 2025. Each RSU represents a contingent right to receive one share of Common Stock of the Issuer. The RSUs will be settled in either Common Stock or cash (or a combination thereof) at the discretion of the Issuer's compensation committee. The RSUs shall vest in one-third increments upon the first, second, and third anniversaries of the vesting reference date, April 1, 2025, subject to the Reporting Person's continued employment.

Remarks:

	/s/ Tracy Lowe, as power of attorney for Matthew A. Engel	11/19/2025
	** 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.

FAQ

What insider transaction did FOAs CFO report on this Form 4?

The Chief Financial Officer of Finance of America Companies Inc. (FOA) reported the settlement of 12,452 restricted stock units (RSUs) into an equal number of Class A common shares on 11/17/2025, along with share withholding for taxes.

How many FOA shares does the CFO own directly after the reported transactions?

Following the RSU settlement and tax share withholding, the CFO directly owns 22,836 shares of FOA Class A common stock.

How many FOA shares were withheld for taxes in this Form 4 filing?

The filing shows that 4,456 shares of FOA Class A common stock were withheld to cover tax obligations related to the RSU settlement, at a reported price of $22.99 per share.

What RSU grants from 2024 are disclosed for FOAs CFO?

The CFO holds an RSU award of 21,667 restricted stock units granted on April 1, 2024. These RSUs vest in one-third increments on the second and third anniversaries of the vesting reference date, subject to continued employment, and each unit represents a right to one share of Class A common stock or cash.

What RSU grants from 2025 are disclosed for FOAs CFO?

The CFO also holds an RSU award of 42,246 restricted stock units granted on April 1, 2025. These RSUs vest in one-third increments on the first, second, and third anniversaries of the vesting reference date, subject to continued employment, with each unit convertible into one share of Class A common stock or cash at the issuers discretion.

How are FOAs RSUs for the CFO settled according to this filing?

Each RSU represents a contingent right to receive one share of FOA Class A common stock or cash, or a combination of both, at the discretion of the companys compensation committee, as described in the filing.