Luminary Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$26,752,161
Total clients
24
71% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
24
Average account size
$1,114,673
About
Luminary Financial Planning provides investment advisory services and one-time financial planning to individuals, high-net-worth individuals, pension and profit-sharing plans, and business entities. The firm prepares individualized Investment Policy Statements and offers ongoing portfolio management alongside planning on retirement, tax, college, insurance, and debt/credit issues.
The firm manages client accounts on a strictly non-discretionary basis, accepting and entering trades only with client authorization—an arrangement the brochure notes and that is uncommon among independent advisory firms. Its investment process uses fundamental analysis and modern portfolio theory with a long-term trading approach, typically implementing allocations in mutual funds, ETFs, equities, fixed income, and certain insurance products.
Distinctive operational features include $26.75 million reported as non-discretionary assets under management and a requirement that clients use specified custodians/broker-dealers for trade execution. The firm takes limited custody only to deduct fees, does not accept performance-based fees, and discloses potential receipt of soft-dollar research or services that could influence broker selection.
Client services
Expertise
Fee options
Financial planning fixed fees between $200 and $3,500
$0 - $500,000: 1.50% $500,001 - $2,000,000: 1.25% $2,000,001 - $5,000,000: 1.15% $5,000,001 - $10,000,000: 1.00% $10,000,001+: 0.85%
Between $100 and $500 per hour
Fee-only: Financial planning fixed fees between $200 and $3,500; hourly fees between $100 and $500
Main office location
Luminary Financial Planning
2712 Marlboro Place
Modesto CA 95355, United States
Number of offices
1
Most active in
California
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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
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")