Luminary Wealth
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Luminary Wealth (doing business as Capstone Advisors) provides investment management and advisory services to individuals, high-net-worth clients, trusts, qualified retirement plans, small businesses, and institutional clients. The firm also offers participant-directed employee benefit plan consulting, financial planning, and analysis for alternative investments and concentrated equity positions.
The firm constructs long-term, diversified portfolios guided by a written investment policy statement and academic frameworks such as modern portfolio theory and the capital asset pricing model. Portfolios typically rely on no-load mutual funds and ETFs—notably funds sponsored by Dimensional Fund Advisors—while also accommodating model portfolios, individual equities, and coordinated tax-aware diversification of concentrated positions; the firm may manage held-away accounts (401(k)s, HSAs, 403(b)s, 529s) using a third-party order management tool to implement and rebalance strategy across custodians.
Compared with many small advisory firms, Luminary Wealth shows a few atypical features: an internal ownership transfer effective January 1, 2026 that left prior owners with retained authority to direct management and policies, and a substantial portion of its advised assets held in participant-directed retirement plans (as reported in its brochure). The three-advisor team holds an unusual mix of advanced professional credentials and the firm leverages third-party platforms and service providers for trade processing and held-away account implementation.
Client services
Expertise
Occupation focus
Fee options
Fixed fees negotiated; $500 to $10,000 for individuals, $5,000 to $15,000 for institutional and qualified plans
$0 - $499,999: 1.25% $500,000 - $999,999: 0.90% $1,000,000 - $1,999,999: 0.80% $2,000,000 - $2,999,999: 0.70% $3,000,000 - $4,999,999: 0.50% $5,000,001+: 0.40%
$200 per hour
Minimum fee: $7,500 annual minimum fee, may be waived under certain criteria Fee-only: Hourly fees at $200 per hour; Fixed fees negotiated, $500 to $10,000 for individuals, $5,000 to $15,000 for institutional/qualified plans
Main office
7910 Carnegie Blvd.
Fort Wayne IN 46804
Advisors at this office
3
Most active in
Indiana · North Carolina
Also doing business as
Capstone Advisors, LLC · Captsone Advisors, LLC · Luminary Wealth
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
Advisors at this firm
Andrew K
Series 65
Fort Wayne, IN
Luminary Wealth
Andrew Krafft is a financial advisor at Luminary Wealth with seven years of industry experience. He holds a Series 65 designation and previously worked at Ernst & Young from 2014 to 2017 before joining Capstone Advisors LLC in 2018. Luminary Wealth serves individuals, trusts, qualified retirement plans, small businesses, and institutional clients, offering investment management, financial planning, retirement-plan consulting, and participant-directed employee benefit plan services. The firm employs investment strategies based on modern portfolio theory and the capital asset pricing model, utilizing no-load mutual funds, ETFs, and model portfolios.
Robert K
CFA®
Fort Wayne, IN
Luminary Wealth
Robert Krafft is a CFA® charterholder with 23 years of industry experience. He is currently a principal and financial advisor at Capstone Advisors, LLC, operating under Luminary Wealth, and has prior experience at Larson Financial Group. Luminary Wealth provides investment management and advisory services to individuals, high-net-worth clients, trusts, qualified retirement plans, small businesses, and institutional clients. The firm constructs long-term, diversified portfolios based on academic investment frameworks and offers financial planning, alternative investment analysis, and participant-directed employee benefit plan consulting.
Robert R
Series 65
Fort Wayne, IN
Luminary Wealth
Robert Rachlow is a Series 65-licensed financial advisor with 22 years of industry experience. He is affiliated with Luminary Wealth and has held a principal and financial advisor role at Capstone Advisors, LLC since 2002. Luminary Wealth (doing business as Capstone Advisors) provides investment management and advisory services to individuals, high-net-worth clients, trusts, qualified retirement plans, small businesses, and institutional clients. The firm constructs long-term, diversified portfolios using academic frameworks and typically invests in no-load mutual funds and ETFs, including those sponsored by Dimensional Fund Advisors, while also managing participant-directed retirement plans and held-away accounts.
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