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Luminate Financial Planning

Updated today

Client assets under management

$35,035,948

Clients

59

42% high-net worth

Advisors

1

of 1 employees

Firm type

Independent

1 advisor

Clients per advisor

59

High

Average account size

$593,830

About

Luminate Financial Planning provides investment management and financial planning services to individuals, high‑net‑worth clients, and charitable organizations, and also works with employer plan sponsors. The firm, founded in 2017 and registered in Virginia, reported approximately $27.4 million in discretionary assets as of December 31, 2024 and does not state a minimum account size.

The firm builds client-specific investment policies and implements portfolios primarily through passive strategies using index mutual funds and ETFs, while applying fundamental analysis when conducting deeper investment analyses. Clients receive ongoing advice and written financial plans, including a subscription-style comprehensive planning service with regular monitoring and annual reporting.

A distinctive aspect of the practice is its employee benefit plan consulting—assisting plan sponsors with investment options, plan structure, monitoring, and participant education—which is uncommon among independent advisers. The firm also advises on assets held in insurance and employer-sponsored products and provides educational seminars and periodic blog publications.

Client services

Financial planning Portfolio management Pension consulting

Expertise

General retirement planning Cash flow / budgeting College savings (529s, UTMA, etc.)

Fee options

Fixed

Project-based financial planning fees ranging from $500 to $10,000, negotiable

Percentage

$0 - $1,000,000: 1.0% $1,000,001+: 0.5%

Project-based

$200.00 to $400.00 per hour, negotiable

Most active in

Virginia

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Alyssa L

CFP®

Sterling, VA

Luminate Financial Planning

I founded Luminate Financial Planning because I am passionate about the power of planning and about helping you build a life based on what matters most to you. Financial planning is a mix of art and science. It’s not just about the numbers, but what the numbers mean for you. It's how you can use money as a tool to build your own great life. I will work with you to simplify and take control of your financial life. I will empower you to align your financial assets with your own values and goals. I believe that financial planning should be transparent, using a fee-only structure to minimize conflicts of interest. No commissions and no hidden fees. I personally understand the transformative power of sound financial planning and advice. Before leaving my prior career in corporate finance, and before I knew financial planning was even a profession, I built my own extensive plan for my family. We wanted to figure out if I could take time off of my career to start a family and become a stay-at-home mom while our kids were young. That basic plan (built with an Excel spreadsheet) served as a guidepost for the financial decisions my family and I have faced. My background  I have an MBA in Finance from Georgetown University and an undergraduate degree in Business Administration from Bloomsburg University. I hold the CFP® certification and passed the Series 65 Uniform Investment Adviser exam. I worked as an associate financial advisor and wealth planner for an independent broker-dealer before launching my own practice.

Wealth management Active portfolio management General retirement planning Mid-Career Professionals Gen X (Born 1965-1980)
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