Luma Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Luma Financial provides discretionary investment management to individuals and a range of institutional and charitable clients, including trusts, pension and government accounts, and high‑net‑worth investors. The firm charges advisory fees on a percentage‑of‑assets‑under‑management basis and customizes portfolios to clients’ objectives, risk tolerances, and any investment restrictions.
The firm’s advice is generally limited to equity securities and its investment process combines micro‑ and macro‑economic analysis, fundamental securities analysis, and a buy‑and‑hold orientation to portfolio construction. It also may incorporate fixed‑income and commodity exposures, including precious metals, for diversification or tactical reasons, and implements trading on a discretionary basis.
Distinctive features include a small scale—managing under $8 million across a compact client roster—which nonetheless includes institutional client types that are less common for a firm of this size. The firm’s managing member also operates an affiliated media production business and discloses a substantial monthly time commitment to that outside activity.
Client services
Expertise
Fee options
$0 - $500,000: 1.0% $500,000 - $1,000,000: 0.7% $1,000,000+: 0.4%
Account minimum: $100,000
Main office
Carlisle MA
Advisors at this office
1
Most active in
California · Louisiana · Massachusetts · Texas
Also doing business as
Luma Financial · Luma Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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