Luminary Wealth
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$90,850,266
Total clients
71
17% high-net worth
Total advisors
3
of 3 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
24
Average account size
$1,279,581
About
Luminary Wealth (Capstone Advisors, LLC) serves individuals, trusts, qualified retirement plans, small businesses and institutional clients, providing investment management, financial planning, retirement-plan consulting and participant-directed employee benefit plan services. As of 3/26/2025 the firm reported managing or advising on $220,934,821 in client assets and advises on $143,732,265 in participant-directed employee benefit retirement plans.
The firm constructs written investment policy statements and long-term diversified portfolios grounded in modern portfolio theory and the capital asset pricing model, typically implementing no-load mutual funds and ETFs—primarily Dimensional Fund Advisors (DFA) funds—and model portfolios where appropriate. Portfolios may also include individual equities and coordinated management of concentrated positions, and Luminary uses tools such as the Pontera order management system to view, rebalance and implement strategies in held-away accounts (e.g., 401(k)s, HSAs, 403(b)s, 529s).
Luminary discloses several operational arrangements that shape its delivery of advice: it pays Pontera 0.25% from its advisory fee for held-away account services, maintains a longstanding outsourcing relationship with Buckingham Strategic Partners/Focus Partners for trade processing and reporting, and participates in Schwab and Fidelity institutional programs. The firm also does not vote proxies on behalf of clients, leaving proxy voting responsibility to clients, which is a service distinction to consider.
Client services
Expertise
Occupation focus
Fee options
Fixed fees may be negotiated; individuals range from $500 to $2,500; institutional and qualified retirement plans range from $5,000 to $10,000
$0 - $499,999: 1.25% $500,000 - $999,999: 0.90% $1,000,000 - $1,999,999: 0.80% $2,000,000 - $2,999,999: 0.70% $3,000,000 - $4,999,999: 0.50% $5,000,001+: 0.40%
$175 per hour
Minimum fee: $6,250 annual minimum fee, may be waived under certain criteria Fee-only: Hourly fees at $175 per hour; Fixed fees range from $500 to $2,500 for individuals and $5,000 to $10,000 for institutional and qualified retirement plans
Main office location
Luminary Wealth
7910 Carnegie Blvd.
Fort Wayne IN 46804, United States
Number of offices
1
Most active in
Indiana · North Carolina
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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