Lumiere Financial

Lumiere Financial provides investment advisory and planning services to individuals (including high‑net‑worth clients), pension and profit‑sharing plan sponsors, charitable organizations, and businesses. A five‑advisor team manages approximately $82.7 million for about 116 clients and offers discretionary and non‑discretionary portfolio management, customized financial planning, asset‑allocation services, and pension consulting including ERISA 3(21) and 3(38) engagements.

The firm implements tailored portfolios through a mix of in‑house model allocations, third‑party money managers, and sub‑advisers, and may manage accounts on either a discretionary or non‑discretionary basis. Its stated investment toolkit includes traditional equity and fixed‑income strategies as well as derivatives, options, leveraged ETFs and margin/borrowing where suitable, and the firm may sponsor private investment vehicles (SPVs) as part of client solutions.

Notable features disclosed in the brochure that differentiate the firm from many peers are its sponsorship of SPVs and private funds that may involve performance‑based compensation, its explicit use of derivatives and borrowing within managed accounts, and its operation as a licensed insurance agency with affiliated broker‑dealer arrangements—each described as potential conflicts of interest. The firm also provides retirement‑plan support that includes participant education seminars and workshops and maintains custodial relationships (including Interactive Brokers and plan‑specific custodians) to accommodate a range of account types.