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Personalized

Customized plans to meet your unique goals. We work closely with you on an ongoing basis to deliver you expert 1:1 advice. Despite the trend toward robo-advisers and a formulaic one-size-fits all approach to investing, we believe that changing economic conditions and unique life circumstances require a hands-on approach. Our client-centric approach puts your particular needs in focus. Learn more …

Fee-Only

Paid only by clients for the services we provide. We receive no commissions on products we recommend. Financial advisors and planners receive compensation in a variety of ways, some of which may create conflicts of interest with their clients. Common examples include those who receive commissions on the financial products they recommend or fees from financial transactions. As a client, you might wonder if the recommendations you are getting enhance…

Safe Custody

We have partnered with Pershing LLC, a subsidiary of The Bank of New York Mellon the world’s largest custodian with over $27 trillion in assets under custody. Luma Financial is also a proud partner of Shareholders Service Group, a provider of high-quality, dedicated services for independent registered investment advisors.

Low cost

Lowering investment costs is one of the keys to successful investing. In an article titled ‘What to Know About Advisor Fees and Costs,’ Coryanne Hicks of U.S. News & World Report urges investors to assess the cost of their financial advisor upfront. “You wouldn’t get your oil changed or your hair cut without knowing the cost …” We couldn’t agree more. Hicks recommends investors ask these four specific questions before…

Physical Precious Metals

Assistance with the purchase, delivery and storage of physical gold, silver, and platinum bullion and bullion coins. Precious metals are arguably the most reliable and time-tested saving instruments and, in our opinion, should occupy a place in every person’s investment portfolio. Learn more …

Portfolio Management

Individually managed investment portfolios aimed at steady growth and minimal volatility. We invest through a diversified asset allocation model — which includes investments in emerging markets, sovereign bonds, and precious metals — that seeks to drive strong long-term growth while minimizing the negative impact of economic boom-bust cycles on client portfolios. Learn more …

Personal Attention

No two investors are the same. Each one has their own distinct financial needs. When you have questions, you can always count on us to listen and deliver thoughtful, one-on-one advice. Learn more …