[SCHEDULE 13D/A] Finance of America Companies Inc. SEC Filing

Rhea-AI Filing Summary

Bloom Retirement Holdings Inc. and Reza Jahangiri updated their ownership in Finance of America Companies Inc. (FOA), reporting beneficial ownership of 1,995,608 shares of Class A common stock as of November 20, 2025, equal to 9.49% of the class based on 7,891,348 shares outstanding as of November 7, 2025. Bloom is the record holder of 196,001 Class A shares and 1,799,607 FOAEC Units, each exchangeable into one Class A share. Issuance of FOAEC Units is limited by a 9.49% ownership cap until certain consents and approvals, defined as the Control Condition, are satisfied. Since their prior report, Bloom sold 126,173 Class A shares in open-market transactions under a 2025 10b5-1 trading plan and made a gift of 4,310 shares on November 12, 2025.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

(Amendment No. 13)

Finance of America Companies Inc.

(Name of Issuer)

Class A Common Stock

(Title of Class of Securities)

31738L206

(CUSIP Number)

Reza Jahangiri
895 Dove Street, Suite 300,
Newport Beach, CA, 92660
(866) 948-0003

(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)

11/20/2025

(Date of Event Which Requires Filing of This Statement)

If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of §§ 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box.

The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

SCHEDULE 13D

CUSIP No. 31738L206

1

Name of reporting person

Bloom Retirement Holdings Inc.

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

CALIFORNIA

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 0.00
8	Shared Voting Power 1,995,608.00
9	Sole Dispositive Power 0.00
10	Shared Dispositive Power 1,995,608.00

11

Aggregate amount beneficially owned by each reporting person

1,995,608.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

9.49 %

14

Type of Reporting Person (See Instructions)

CO

SCHEDULE 13D

CUSIP No. 31738L206

1

Name of reporting person

Reza Jahangiri

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 0.00
8	Shared Voting Power 1,995,608.00
9	Sole Dispositive Power 0.00
10	Shared Dispositive Power 1,995,608.00

11

Aggregate amount beneficially owned by each reporting person

1,995,608.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

9.49 %

14

Type of Reporting Person (See Instructions)

IN

SCHEDULE 13D

Item 1.	Security and Issuer
(a)	Title of Class of Securities: Class A Common Stock
(b)	Name of Issuer: Finance of America Companies Inc.
(c)	Address of Issuer's Principal Executive Offices: 5830 Granite Parkway, Suite 400, Plano, TEXAS , 75024.
Item 1 Comment: This Amendment No. 13 to Schedule 13D ("Amendment No. 13") amends and supplements the Schedule 13D originally filed with the United States Securities and Exchange Commission on April 10, 2023 (as amended to date, the "Schedule 13D"), relating to the shares of Class A common stock, par value $0.0001 per share (the "Class A Common Stock"), of Finance of America Companies Inc., a Delaware corporation (the "Issuer"). Capitalized terms used herein without definition shall have the meanings set forth in the Schedule 13D.
Item 5.	Interest in Securities of the Issuer
(a)	The information contained on the cover pages is incorporated by reference to this Item 5. The Reporting Persons may be deemed to beneficially own 1,995,608 shares of Class A Common Stock as of November 20, 2025, representing 9.49% of the Class A Common Stock outstanding based upon 7,891,348 shares of Class A Common Stock outstanding as of November 7, 2025, as set forth in the Issuer's Quarterly Report on Form 10-Q filed by the Issuer on November 13, 2025. The percentage of the Class A Common Stock reported herein gives effect to the Control Condition (as defined below).
(b)	The information contained on the cover pages is incorporated by reference to this Item 5. Bloom Retirement Holdings Inc. is the record holder of 196,001 shares of Class A Common Stock and 1,799,607 FOAEC Units, as reported herein. Mr. Jahangiri is the majority shareholder of Bloom Retirement Holdings Inc. and may be deemed to share voting and dispositive power over the securities held by Bloom Retirement Holdings Inc. The percent of class beneficially owned as reported above gives effect to the Conversion Agreement as previously disclosed in Item 4. The FOAEC Units reported above represent the maximum number of FOAEC Units that may be issued pursuant to the Asset Purchase Agreement. Under the Asset Purchase Agreement, Bloom Retirement Holdings Inc. will be issued FOAEC Units only to the extent that its ownership does not exceed 9.49% of the outstanding shares of Class A Common Stock (giving effect to the deemed exchange of all outstanding FOAEC Units) until, among other conditions, certain consents, approvals, authorizations and waivers are satisfied (the "Control Condition"). Each FOAEC Unit is exchangeable into Class A Common Stock on a one-for-one basis at the option of the holder.
(c)	Since the Reporting Persons' most recent filing in Schedule 13D, Bloom Retirement Holdings Inc. has disposed of 126,173 shares of Class A Common Stock in a series of open-market transactions pursuant to the 2025 10b5-1 Trading Plan. Details by date, listing the number of shares of Class A Common Stock disposed of pursuant to the 2025 10b5-1 Trading Plan and the weighted average price per share, are provided in Annex A. The Reporting Persons undertake to provide, upon request by the staff of the SEC, the Issuer, or a security holder of the Issuer, full information regarding the number of shares sold at each separate price for each transaction. Additionally, on November 12, 2025, Bloom Retirement Holdings Inc. disposed of 4,310 shares of Class A Common Stock by gift. Except as described in this Amendment No. 13, the Reporting Persons have not effected any other transactions with respect to the Class A Common Stock in the last 60 days.
(d)	None.
(e)	Not applicable.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Bloom Retirement Holdings Inc.

Signature:	/s/ Reza Jahangiri
Name/Title:	Reza Jahangiri, Majority Shareholder
Date:	11/24/2025

Reza Jahangiri

Signature:	/s/ Reza Jahangiri
Name/Title:	Reza Jahangiri
Date:	11/24/2025

FAQ

How much of Finance of America (FOA) does Bloom Retirement Holdings and Reza Jahangiri currently beneficially own?

They report beneficial ownership of 1,995,608 shares of FOA Class A common stock as of November 20, 2025, representing 9.49% of the Class A shares outstanding based on 7,891,348 shares reported outstanding as of November 7, 2025.

What portion of FOA holdings are directly held as Class A common stock versus FOAEC Units?

Bloom Retirement Holdings Inc. is the record holder of 196,001 shares of FOA Class A common stock and 1,799,607 FOAEC Units. Each FOAEC Unit is exchangeable into one share of Class A common stock at the option of the holder.

What is the 9.49% Control Condition mentioned for FOA and FOAEC Units?

Under the Asset Purchase Agreement, Bloom Retirement Holdings Inc. will be issued FOAEC Units only so long as its ownership does not exceed 9.49% of the outstanding Class A common stock, giving effect to the deemed exchange of all FOAEC Units, until certain consents, approvals, authorizations and waivers, defined as the Control Condition, are satisfied.

What recent transactions in FOA stock did Bloom Retirement report in this Schedule 13D amendment?

Since the most recent prior filing, Bloom Retirement Holdings Inc. disposed of 126,173 Class A shares in a series of open-market transactions under a 2025 10b5-1 trading plan. In addition, on November 12, 2025, Bloom disposed of 4,310 Class A shares by gift.

How is Reza Jahangiri related to Bloom Retirement Holdings Inc. in the context of FOA ownership?

Reza Jahangiri is the majority shareholder of Bloom Retirement Holdings Inc. and may be deemed to share voting and dispositive power over the FOA securities held by Bloom Retirement Holdings Inc. Both Bloom and Jahangiri report the same 1,995,608 shares beneficially owned and the same 9.49% ownership percentage.

What is the basis for the 9.49% ownership calculation in the FOA Schedule 13D/A?

The 9.49% beneficial ownership is calculated based on 7,891,348 shares of FOA Class A common stock reported outstanding as of November 7, 2025 in the company’s Quarterly Report on Form 10-Q filed on November 13, 2025, and gives effect to the Control Condition referenced in the amendment.