Luminate Financial Planning

Overview

Luminate Financial Planning is an independent registered investment adviser organized as a limited liability company and owned by an individual. The firm focuses on serving individual and family clients with a mix of financial planning, discretionary portfolio management for individuals and small businesses, and pension consulting services. Its advisory model combines fee-based asset management with hourly and fixed-fee planning engagements, giving clients multiple engagement options beyond straight AUM billing. Investment activity is centered on public pooled vehicles—mutual funds and other public funds make up the bulk of assets under management—while the firm also allocates to third-party real estate managers as an alternative sleeve. Luminate does not position itself as a capital allocator and is not an active ESG investor. Custody and trading are consolidated through a single primary custodian, which supports a compact operating model appropriate for its current scale.

Assets & Accounts

Public Holdings

Investments & Alternatives

Location & Offices