# EDGAR Filing Document

**Accession Number:** 0001828937
**File Stem:** 0001628280-26-017712
**Filing Date:** 2026-3
**Character Count:** 19079
**Document Hash:** e0eefb1ff9a6cfcbf70a8740fa8cdb88
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001628280-26-017712.hdr.sgml**: 20260313

**ACCESSION NUMBER**: 0001628280-26-017712

**CONFORMED SUBMISSION TYPE**: S-8

**PUBLIC DOCUMENT COUNT**: 14

**FILED AS OF DATE**: 20260313

**DATE AS OF CHANGE**: 20260313

**EFFECTIVENESS DATE**: 20260313

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Finance of America Companies Inc.
- **CENTRAL INDEX KEY:** 0001828937
- **STANDARD INDUSTRIAL CLASSIFICATION:** MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 853474065
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** S-8
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-294285
- **FILM NUMBER:** 26752727

**BUSINESS ADDRESS:**
- **STREET 1:** 5830 GRANITE PARKWAY
- **STREET 2:** SUITE 400
- **CITY:** PLANO
- **STATE:** TX
- **ZIP:** 75024
- **BUSINESS PHONE:** 877-202-2666

**MAIL ADDRESS:**
- **STREET 1:** 5830 GRANITE PARKWAY
- **STREET 2:** SUITE 400
- **CITY:** PLANO
- **STATE:** TX
- **ZIP:** 75024

**As filed with the Securities and Exchange Commission on March 13, 2026**

Registration No. 333-

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM S-8** 

**REGISTRATION STATEMENT**

***UNDER***

***THE SECURITIES ACT OF 1933***

**FINANCE OF AMERICA COMPANIES INC.** 

**(Exact name of registrant as specified in its charter)**

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| | |
|:---|:---|
| **Delaware** | **85-3474065** |
| **(State or other jurisdiction of incorporation or organization)** | **(I.R.S. Employer Identification No.)** |

---

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| |
|:---|
| **5830 Granite Parkway, Suite 400** |
| **Plano, Texas 75024** |

---

**(Address of Principal Executive Offices) (Zip Code)**

**Finance of America Companies Inc. 2021 Omnibus Incentive Plan** 

**(Full title of the plan)**

**Lauren E. Richmond**

 **Chief Legal Officer, General Counsel & Secretary**

**Finance of America Companies Inc.** 

**5830 Granite Parkway, Suite 400** 

**Plano, Texas 75024** 

(Name and address of agent for service)

**(877) 202-2666** 

(Telephone number, including area code, of agent for service)

***With copies to:***

**William R. Golden III**

**Simpson Thacher & Bartlett LLP**

**900 G Street, N.W.**

**Washington, D.C. 20001**

**(202) 636-5500**

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

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| | | | |
|:---|:---|:---|:---|
| Large accelerated filer | ☐ | Accelerated filer | ⌧ |
| Non-accelerated filer | ☐ | Smaller reporting company | ⌧ |
| | | Emerging growth company | ☐ |

---

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. ☐

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**EXPLANATORY NOTE**

This Registration Statement on Form S-8 (this "Registration Statement") is being filed by Finance of America Companies Inc. (the "Registrant") for the purpose of registering additional shares of Class A common stock, par value $0.0001 per share, of the Registrant (the "Class A Common Stock"), reserved for issuance under the Finance of America Companies Inc. 2021 Omnibus Incentive Plan (the "Plan"). These shares of Class A Common Stock are additional securities of the same class as other securities for which an original registration statement on Form S-8 (File No. 333-257180) was filed with the Securities and Exchange Commission (the "Commission") on June 17, 2021 (the "<u>[Original Registration Statement](https://www.sec.gov/Archives/edgar/data/1828937/000119312521193359/d193158ds8.htm)</u>"), which registered 21,250,000 shares of Class A Common Stock issuable under the Plan, an <u>[additional registration statement on Form S-8](https://www.sec.gov/Archives/edgar/data/1828937/000119312522176519/d243340ds8.htm)</u> (File No. 333-265690), which was filed with the Commission on June 17, 2022 to register 21,106,586 additional shares of Class A Common Stock issuable under the Plan and an <u>[additional registration statement on Form S-8](https://www.sec.gov/Archives/edgar/data/1828937/000182893724000030/foas-831524.htm)</u> (File No. 333-278004), which was filed with the Commission on March 15, 2024 to register 15,670,355 additional shares of Class A Common Stock issuable under the Plan.

The shares of Class A Common Stock registered by this Registration Statement consist of: (i) 1,038,652 shares of Class A Common Stock that have become reserved for issuance as a result of the operation of the "evergreen" provision of the Plan as of January 1, 2025 and January 1, 2026, which provides that the total number of shares subject to the Plan will be increased on the first day of each fiscal year pursuant to a specified formula; and (ii) 405,406 shares of Class A Common Stock that have become available for issuance under the Plan as a result of cancellation, forfeiture, termination, settlement in cash, or other settlement without issuance of shares of Class A Common Stock in respect of awards under the Plan. Other than the 1,038,652 shares of Class A Common Stock that have become available for issuance pursuant to the "evergreen" provision of the Plan, the shares registered by this Registration Statement do not represent an increase in the number of shares previously reserved for issuance under the Plan.

Pursuant to General Instruction E to Form S-8, the contents of the above-referenced prior registration statements are incorporated by reference herein to the extent not modified or superseded hereby or by any subsequently filed document, which is incorporated by reference herein.

**PART II**

**INFORMATION REQUIRED IN THE REGISTRATION STATEMENT**

**Item 3. Incorporation of Documents by Reference.**

The following documents filed with the Commission by the Registrant pursuant to the Securities Exchange Act of 1934, as amended (the "Exchange Act"), are hereby incorporated by reference in this Registration Statement:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Registrant's <u>[Annual Report on Form 10-K](https://www.sec.gov/ix?doc=/Archives/edgar/data/0001828937/000162828026017692/foa-20251231.htm)</u> for the fiscal year ended December 31, 2025, filed on March 13, 2026; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The description of the Registrant's Class A Common Stock contained in the Registration Statement on <u>[Form 8-A](https://www.sec.gov/Archives/edgar/data/1828937/000119312521104237/d330633d8a12b.htm)</u> filed on April 2, 2021, as updated by <u>[Exhibit 4.4](https://www.sec.gov/Archives/edgar/data/1828937/000162828026017692/exhibit44-q42025descriptio.htm)</u> to the Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 2025, including any amendments or reports filed for the purpose of updating such description.

All reports and other documents that the Registrant subsequently files pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act after the date of this Registration Statement (other than documents and information furnished and not filed in accordance with Commission rules, including any corresponding exhibits thereto, unless expressly stated otherwise therein) and prior to the filing of a post-effective amendment to this Registration Statement indicating that all securities offered have been sold or which deregisters all securities then remaining unsold, shall be deemed to be incorporated by reference into this Registration Statement and to be a part hereof from the date of filing of such reports and documents.

Any statement contained in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Registration Statement to the extent that a statement contained herein or in any other subsequently filed document which also is or is deemed to be incorporated by

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reference herein modifies or supersedes such statement. Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement.

**Item 8. Exhibits.**

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| | |
|:---|:---|
| <u>Exhibit No.</u> | <u>Description of Exhibit</u> |
| 4.1 | <u>[Amended and Restated Certificate of Incorporation of Finance of America Companies Inc. (incorporated by reference to Exhibit 3.2 to the Registrant's Current Report on Form 8-K, filed with the Commission on April 7, 2021).](https://www.sec.gov/Archives/edgar/data/1828937/000119312521108963/d113226dex32.htm)</u> |
| 4.2 | <u>[Certificate of Amendment to Amended and Restated Certificate of Incorporation of Finance of America Companies Inc. (incorporated by reference to Exhibit 3.1 to the Registrant's Current Report on Form 8-K filed on July 26, 2024).](https://www.sec.gov/Archives/edgar/data/1828937/000182893724000069/certificateofamendmenttoce.htm)</u> |
| 4.3 | <u>[Certificate of Designations Designating the Series A Convertible Perpetual Preferred Stock (incorporated by reference to Exhibit 3.1 to the Registrant's Current Report on Form 8-K filed on December 17, 2025).](https://www.sec.gov/Archives/edgar/data/1828937/000119312525321394/d37306dex31.htm)</u> |
| 4.4 | <u>[Amended and Restated Bylaws of Finance of America Companies Inc. (incorporated by reference to Exhibit 3.3 to the Registrant's Current Report on Form 8-K, filed with the Commission on April 7, 2021).](https://www.sec.gov/Archives/edgar/data/1828937/000119312521108963/d113226dex33.htm)</u> |
| 4.5 | <u>[Finance of America Companies Inc. 2021 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.10 to the Registrant's Current Report on Form 8-K filed on April 7, 2021).](https://www.sec.gov/Archives/edgar/data/1828937/000119312521108963/d113226dex1010.htm)</u> |
| 5.1 | <u>[Opinion of Simpson Thacher & Bartlett LLP.](exhibit51stbopinions-8.htm)</u> |
| 23.1 | <u>[Consent of BDO USA, P.C.](exhibit231bdoconsents-8.htm)</u> |
| 23.2 | <u>[Consent of Simpson Thacher & Bartlett LLP (included as part of Exhibit 5.1).](exhibit51stbopinions-8.htm)</u> |
| 24.1 | <u>[Power of Attorney (included](#ied841515f3ed43d09a6f8c2ee407c1e6_16)[o](#ied841515f3ed43d09a6f8c2ee407c1e6_16)[n the signature page to this Registration Statement).](#ied841515f3ed43d09a6f8c2ee407c1e6_16)</u> |
| 107.1 | <u>[Filing Fee Table.](exfilingfees.htm)</u> |

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**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Park City, State of Utah on this thirteenth day of March, 2026.

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| | |
|:---|:---|
| **FINANCE OF AMERICA COMPANIES INC.** | **FINANCE OF AMERICA COMPANIES INC.** |
| By: | /s/ Graham A. Fleming |
|  | Name: Graham A. Fleming |
|  | Title: Chief Executive Officer |

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**POWER OF ATTORNEY**

Each of the undersigned, whose signature appears below, hereby constitutes and appoints Brian L. Libman, Graham A. Fleming and Lauren E. Richmond, and each of them, as his or her true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for him or her and in his or her name, place and stead, in any and all capacities, to sign any or all amendments to this Registration Statement (including post-effective amendments) and to file the same with all exhibits thereto and other documents in connection therewith, with the Securities and Exchange Commission, granting unto said attorneys-in-fact and agents full power and authority to do and perform each and every act and thing necessary or appropriate to be done with respect to this Registration Statement or any amendments hereto in the premises, as fully to all intents and purposes as he or she might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, or his, her or their substitute or substitutes, may lawfully do or cause to be done by virtue thereof.

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement on Form S-8 and Power of Attorney has been signed by the following persons in the capacities indicated below on March 13, 2026.

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| | |
|:---|:---|
| **Signature** | **Title** |
| /s/ Graham A. Fleming | Chief Executive Officer |
| Graham A. Fleming | (Principal Executive Officer) |
| /s/ Matthew A. Engel | Chief Financial Officer |
| Matthew A. Engel | (Principal Financial Officer) |
| /s/ Tai A. Thornock | Chief Accounting Officer |
| Tai A. Thornock | (Principal Accounting Officer) |
| /s/ Brian L. Libman | Chairman of the Board of Directors |
| Brian L. Libman | |
| /s/ Norma C. Corio | Director |
| Norma C. Corio | |
| /s/ Andrew Essex | Director |
| Andrew Essex | |
| /s/ Cory S. Gardner | Director |
| Cory S. Gardner | |
| /s/ Tyson A. Pratcher | Director |
| Tyson A. Pratcher | |
| /s/ Lance N. West | Director |
| Lance N. West | |

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## Ex-Filing

?xml version='1.0' encoding='ASCII'? exfilingfees

**Exhibit 107.1**

**Calculation of Filing Fee Tables**

**Form S-8**

(Form Type)

**Finance of America Companies Inc.**

(Exact Name of Registrant as Specified in its Charter)

**Table 1: Newly Registered Securities**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | Security Type | Security Class Title | Fee Calculation Rule | Amount Registered | Proposed Maximum Offering Price Per Unit | Maximum Aggregate Offering Price | Fee Rate | Amount of Registration Fee |
| (1) | Equity | Class A Common Stock | Other | 1444058 | $17.47 | $25227693.26 | $0.0001381 | $3483.94 |
|  | Total Offering Amounts | Total Offering Amounts | Total Offering Amounts | Total Offering Amounts |  | $25227693.26 |  | $3483.94 |
|  | Total Fee Offsets | Total Fee Offsets | Total Fee Offsets | Total Fee Offsets |  |  |  | $0.00 |
|  | Net Fee Due | Net Fee Due | Net Fee Due | Net Fee Due |  |  |  | $3483.94 |

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(1) Covers shares of Class A Common Stock, par value $0.0001 per share, of Finance of America Companies Inc. (the "Shares") issuable under the Finance of America Companies Inc. 2021 Omnibus Incentive Plan (the "Plan") and, pursuant to Rule 416(a) under the Securities Act of 1933, as amended (the "Securities Act"), an indeterminate amount of additional Shares that may become issuable under the Plan to prevent dilution resulting from stock splits, stock dividends or other similar transactions. The amount in the table above consists of: (i) 1,038,652 Shares that have become reserved for issuance as a result of the operation of the "evergreen" provision of the Plan; and (ii) 405,406 Shares that have become available for issuance under the Plan as a result of cancellation, forfeiture, termination, settlement in cash, or other settlement without issuance of Shares.The amount of the registration fee is estimated, pursuant to paragraphs (c) and (h) of Rule 457 under the Securities Act, and is based on a price of $17.47 per share, which is the average of the high and low prices of the Shares as reported by New York Stock Exchange on March 9, 2026.

## Exhibit 5.1

**Exhibit 5.1** 

Simpson Thacher & Bartlett LLP

900 G STREET, N.W.

WASHINGTON, D.C. 20001

TELEPHONE: +1-202-636-5500

FACSIMILE: +1-202-636-5502

 <br> Direct Dial Number E-mail Address

March 13, 2026

Finance of America Companies Inc.

5830 Granite Parkway, Suite 400

Plano, Texas 75024

To the Addressee Stated Above:

We have acted as counsel to Finance of America Companies Inc., a Delaware corporation (the "Company"), in connection with the Registration Statement on Form S-8 (the "Registration Statement") filed by the Company with the Securities and Exchange Commission (the "Commission") under the Securities Act of 1933, as amended, relating to the issuance by the Company of up to 1,444,058 shares of Class A Common Stock, $0.0001 par value per share, of the Company (the "Shares") pursuant to the Finance of America Companies Inc. 2021 Omnibus Incentive Plan (the "Plan").

We have examined the Registration Statement, the Amended and Restated Certificate of Incorporation of the Company and the Plan, each of which have been filed with the Commission as exhibits to the Registration Statement. In addition, we have examined, and have relied as to matters of fact upon, originals, or duplicates or certified or conformed copies, of such records, agreements, documents and other instruments and such certificates or comparable documents of public officials and of officers and representatives of the Company and have made such other investigations as we have deemed relevant and necessary in connection with the opinion hereinafter set forth.

In rendering the opinion set forth below, we have assumed the genuineness of all signatures, including electronic signatures, the legal capacity of natural persons, the authenticity of all documents submitted to us as originals, the conformity to original documents of all documents submitted to us as duplicates or certified or conformed copies and the authenticity of the originals of such latter documents.

Based upon the foregoing, and subject to the qualifications, assumptions and limitations stated herein, we are of the opinion that upon issuance and delivery in accordance with the Plan, the Shares will be validly issued, fully paid and nonassessable.

We do not express any opinion herein concerning any law other than the Delaware General Corporation Law.

We hereby consent to the filing of this opinion letter as Exhibit 5.1 to the Registration Statement.

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| |
|:---|
| Very truly yours, |
| /s/ Simpson Thacher & Bartlett LLP |
| SIMPSON THACHER & BARTLETT LLP |

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## Exhibit 23.1

**Exhibit 23.1**

<u>Consent of Independent Registered Public Accounting Firm</u>

We hereby consent to the incorporation by reference in this Registration Statement of our reports dated March 13, 2026, relating to the consolidated financial statements and the effectiveness of internal control over financial reporting, of Finance of America Companies Inc. (the Company) appearing in the Company's Annual Report on Form 10-K for the year ended December 31, 2025.

/s/ BDO USA, P.C.

Philadelphia, Pennsylvania

March 13, 2026

BDO USA, P.C., a Virginia professional corporation, is the U.S. member of BDO International Limited, a UK company limited by guarantee, and forms part of the international BDO network of independent member firms.

BDO is the brand name for the BDO network and for each of the BDO Member Firms.

<br>