Services - Luminvest Wealth Management

The Luminvest Experience

Ideal for: Individuals nearing retirement or those who are already retired

What will I get? Full-service financial planning with unlimited access to your wealth advisor

• Everything in Subscription Planning + Investment Management

Comprehensive portfolio management comes with a focus on topics most relevant to high net worth individuals, including:

Investment management

Tax planning

Cash flow planning

Education planning

Philanthropic planning

Advanced estate planning

Small business planning

Risk management

Executive compensation

*Luminvest Wealth Management, LLC does not offer legal services, but may provide references to legal providers. They may also work with your attorney or legal advisor.

Comprehensive portfolio management comes with with a focus on topics most relevant to high net worth individuals, including:

1. Initial Meeting

Let's kick things off with a no-cost, no-obligation phone or video conversation. This allows us to determine if we're a good fit for each other.

2. Discovery

We'll delve into your unique circumstances, including your goals, objectives, risk tolerance, and more. This thorough understanding will enable us to develop a tailor-made action plan designed exclusively for you.

3. Actionable advice

Together, we'll review the plan and discuss the roadmap, highlighting the priority action items. This will empower you with actionable insights to navigate your financial journey confidently.

4. Take the First Step

Let’s put your plan into motion. I’m here to assist you every step of the way.

Ready to feel confident about your retirement plan?

Let's get started.

Schedule a Free Consultation

Ideal for: Investors who are in the early stages of wealth accumulation, where a significant portion of your net worth may be tied up in your home & company retirement plan.

Onboarding

Three 60-minute meetings:

1) Discovery

Help me learn more about you and your goals. Once I understand your objectives, I will develop a plan with specific actions to help you achieve your financial aspirations.

2) Plan Review

I will provide an in-depth review of the plan and offer comprehensive insights and education on the most critical topics and strategies.

3) Implementation

I will provide guidance and support, ensuring you take proactive steps toward your financial goals. Together, we will establish a clear path that instills confidence and peace of mind in your financial journey.

Ongoing

Quarterly consultations w/ unlimited email support

Throughout the year, we'll cover various topics during our review meetings or via email. Here’s an example of what that may look like:

January-March

Q1 Service Calendar

Review of prior year goals and action items
Portfolio analysis/rebalance review
Update financial plan: income, expenses, etc.
Yearly IRA/Roth IRA contributions and/or Required Minimum Distributions (RMDs)

Schedule a call

April-June

Q2 Service Calendar

Review tax return, tax withholding, and tax-planning strategies
Estimated tax payment calculation

July-September

Q3 Service Calendar

Mid-year review: check on cash flow and update your financial plan
Review estate planning and beneficiary designations
Review insurance coverage (life, disability, P&C)
Education on important topics (e.g., basic estate planning, home buying, education savings, student loan planning, starting a family/business, etc.)

October-December

Q4 Service Calendar

Year-end tax planning
Tax Gain/Loss Harvesting (available throughout the year)
Roth conversions
QCDs (Qualified Charitable Distributions)
RMDs (Required Minimum Distributions)
Annual giving
Charitable contributions
Open enrollment decisions
Contribution percentages
Pre-tax vs. Roth
Life and health considerations
Health Savings Account

October-December

Q4 Service Calendar

Year-end tax planning
Tax Gain/Loss Harvesting (available throughout the year)
Roth conversions
QCDs (Qualified Charitable Distributions)
RMDs (Required Minimum Distributions)
Annual giving
Charitable contributions
Open enrollment decisions
Contribution percentages
Pre-tax vs. Roth
Life and health considerations
Health Savings Account

If you're not quite ready to start your journey, join the Luminvest Wealth Management email list for updates and valuable insights →

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