Luminous Money
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
Luminous Money LLC is a registered investment adviser that provides discretionary investment management, wealth management, and financial planning to individuals, high‑net‑worth clients, charitable organizations, and businesses. The firm offers both ongoing and project‑based planning and may recommend third‑party or outside managers to handle portions of client portfolios.
The firm’s investment process is informed by modern portfolio theory and blends passive and active strategies, with capabilities described for direct indexing, tax‑aware management, and socially responsible (ESG) customization. Luminous operates on a fee‑only basis, implements asset allocation and long‑term holding approaches while retaining discretion to trade and to monitor outside managers on clients’ behalf.
Noteworthy aspects for a firm of this type include an explicit seminar and speaking program, the use and formal selection/monitoring of outside managers, and the availability of hourly billing for project‑based planning engagements—features that are less common among peer investment managers. At the time of its initial filing the firm reported no assets under management, is newly established, and discloses that certain management persons also provide paraplanning and consulting services to third‑party advisors (approximately 10% of their time); the brochure also states the firm does not accept commission compensation for selling financial products.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
Wealth management
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Family Business
Occupation focus
Founder/Business Owner
Fee options
Fixed fees for Project-Based Financial Planning range from $1,500 to $15,000; Educational Seminars/Speaking Engagements fees range from $0 to $10,000 per seminar.
0.25% to 1.00% annually (negotiable, depending on scope and complexity)
$200 per hour for Project-Based Financial Planning
Ongoing Financial Planning fees are fixed recurring fees ranging from $1,200 to $15,000 per year, paid monthly, quarterly, or annually.
Fee-only: The firm is fee-only, compensated solely by its clients for advisory services; no commissions or sales-related compensation.
Main office location
Luminous Money
Minneapolis MN, United States
Number of offices
1
Most active in
Luminous Money has reported serving >5 clients in these states in the last 12 months.
Minnesota · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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.
Forms ADV
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