Luminary Financial Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Luminary Financial Advisors serves individual clients and provides discretionary portfolio management alongside project-based and ongoing financial planning covering retirement, estate, tax, business planning, insurance, and college‑savings needs. The firm reports approximately $18.9 million in discretionary assets under management and serves 33 clients through a single‑advisor practice.
The firm primarily implements passive investment strategies built from index mutual funds and ETFs, emphasizing low turnover and tax efficiency, while also describing the use of fundamental, technical, and cyclical analysis in its research and in evaluating outside managers. Accounts are typically managed on a discretionary basis, and the firm monitors third‑party managers it may recommend as part of its due diligence process.
Notably, Luminary does not use percentage‑of‑AUM fees; instead it charges net‑worth‑based flat fees, fixed project fees, and offers subscription‑style ongoing planning arrangements, an approach that differs from most independent peers. The brochure also discloses an institutional relationship with its custodian, Altruist, which provides platform and technology support tied to asset thresholds, and a paid referral arrangement with a lead‑matching service — both items the firm identifies as potential conflicts of interest.
Client services
Expertise
Fee options
Project based financial planning fixed fees ranging from $400 to $20,000 depending on complexity and scope.
Less than $250,000 - $249,999: $2,400 per year $250,000 - $499,999: $3,000 per year $500,000 - $749,999: $4,200 per year $750,000 - $999,999: $5,400 per year $1,000,000 - $1,249,999: $6,000 per year $1,250,000 - $1,499,999: $7,200 per year $1,500,000 - $1,749,999: $8,400 per year $1,750,000 - $1,999,999: $9,600 per year $2,000,000 - $2,999,999: $10,800 per year $3,000,000+: Negotiable
Ongoing financial planning service charged as a fixed monthly fee (exact amount not specified).
Minimum fee: Annual fees ranging from $2,400 to $10,800 per year based on client net worth tiers; fees negotiable; $3,000 for $250,000-$499,999 net worth, $6,000 for $1,000,000-$1,249,999 net worth, etc. Fee-only: Fixed fees on a negotiable basis; project-based financial planning fixed fees range from $400 to $20,000 depending on complexity; ongoing financial planning paid by fixed monthly fee (amount not specified).
Main office
1980 N. Atlantic Ave, Unit 411
Cocoa Beach FL 32931
Advisors at this office
2
Most active in
Florida · New York
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
Quick links
Advisors at this firm
William G
Series 65
Cocoa Beach, FL
Luminary Financial Advisors, LLC
William George is a financial advisor at Luminary Financial Advisors, LLC in Cocoa Beach, FL. He holds a Series 65 designation and is in the early stage of his industry experience. Prior to entering financial advising, he worked at RDS Industrial, Twistee Treat, and Regal Cinemas. Luminary Financial Advisors serves individual clients with discretionary portfolio management and financial planning services covering retirement, estate, tax, business, insurance, and college savings. The firm employs primarily passive investment strategies using index mutual funds and ETFs, managing approximately $18.9 million in discretionary assets for 33 clients through a single-advisor practice.
Warren B
Series 65
Cocoa Beach, FL
Luminary Financial Advisors, LLC
Warren Burger is a financial advisor at Luminary Financial Advisors, LLC with six years of industry experience. He holds a Series 65 designation and worked at TPICAP for nine years before joining Luminary Financial Advisors in 2019. Luminary Financial Advisors provides investment management and financial planning services to individual clients, focusing on low-cost, tax-efficient portfolios primarily constructed with index mutual funds and ETFs. The firm offers project-based and subscription planning across various financial needs and uses a net-worth based annual fee model rather than percentage-of-AUM fees.
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