Luminary Financial Advisors, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$18,862,428
Total clients
33
15% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
33
Average account size
$571,589
About
Luminary Financial Advisors serves individual clients and provides discretionary portfolio management alongside project-based and ongoing financial planning covering retirement, estate, tax, business planning, insurance, and college‑savings needs. The firm reports approximately $18.9 million in discretionary assets under management and serves 33 clients through a single‑advisor practice.
The firm primarily implements passive investment strategies built from index mutual funds and ETFs, emphasizing low turnover and tax efficiency, while also describing the use of fundamental, technical, and cyclical analysis in its research and in evaluating outside managers. Accounts are typically managed on a discretionary basis, and the firm monitors third‑party managers it may recommend as part of its due diligence process.
Notably, Luminary does not use percentage‑of‑AUM fees; instead it charges net‑worth‑based flat fees, fixed project fees, and offers subscription‑style ongoing planning arrangements, an approach that differs from most independent peers. The brochure also discloses an institutional relationship with its custodian, Altruist, which provides platform and technology support tied to asset thresholds, and a paid referral arrangement with a lead‑matching service — both items the firm identifies as potential conflicts of interest.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business ownership considerations
Fee options
Project based financial planning fixed fees ranging from $400 to $20,000 depending on complexity and scope.
Less than $250,000 - $249,999: $2,400 per year $250,000 - $499,999: $3,000 per year $500,000 - $749,999: $4,200 per year $750,000 - $999,999: $5,400 per year $1,000,000 - $1,249,999: $6,000 per year $1,250,000 - $1,499,999: $7,200 per year $1,500,000 - $1,749,999: $8,400 per year $1,750,000 - $1,999,999: $9,600 per year $2,000,000 - $2,999,999: $10,800 per year $3,000,000+: Negotiable
Ongoing financial planning service charged as a fixed monthly fee (exact amount not specified).
Minimum fee: Annual fees ranging from $2,400 to $10,800 per year based on client net worth tiers; fees negotiable; $3,000 for $250,000-$499,999 net worth, $6,000 for $1,000,000-$1,249,999 net worth, etc. Fee-only: Fixed fees on a negotiable basis; project-based financial planning fixed fees range from $400 to $20,000 depending on complexity; ongoing financial planning paid by fixed monthly fee (amount not specified).
Main office location
Luminary Financial Advisors, LLC
1980 N. Atlantic Ave, Unit 411
Cocoa Beach FL 32931, United States
Number of offices
1
Most active in
Luminary Financial Advisors, LLC has reported serving >5 clients in these states in the last 12 months.
Florida · New York
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 not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")