Luminous Money

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.