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LUMINIST Capital, LLC

Updated today

Client assets under management

$104,592,075

Clients

530

8% high-net worth

Advisors

4

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

133

Very High

Average account size

$197,344

About

Luminist Capital, LLC provides investment management, model portfolio strategies, financial planning and customized option overlay strategies to individuals, high-net-worth clients, trusts, estates and business entities. As of January 1, 2026 the firm reports $104.6 million in discretionary assets under management and serves roughly 530 clients through a four-advisor team, offering both discretionary and non-discretionary portfolio management as well as written and tailored financial planning.

The firm manages a suite of model portfolios — including Market Participation, Tactical Market Participation, All Weather and Risk Managed models — that combine low-cost ETFs, tactical allocations and ETF-based options overlays, with quarterly rebalancing and customization options. Luminist’s approach blends passive broad-market exposure with actively managed regime-based and hedged strategies, and it also constructs individualized stock portfolios and bespoke option overlays for concentrated equity positions.

Distinctive features disclosed in the brochure include its corporate affiliations: Luminist Holdings co-owns several other registered advisers and an insurance agency, and the firm acts as a subadvisor, co-adviser and promoter for third-party advisers with disclosed fee-sharing arrangements. The brochure also describes model-level performance comparisons and shows $71.6 million in assets under advisement, and the firm operates with a relatively high client-to-advisor ratio (roughly 130 clients per advisor), which the firm indicates can involve delegation to third-party managers and formalized promoter/co-advisory relationships.

Client services

Financial planning Portfolio management Selection of other advisers
Co-advisory services to unaffiliated investment advisers

Expertise

Options & derivatives strategies Passive / index investing Active portfolio management Concentrated stock management Cash flow / budgeting

Fee options

Fixed

Financial planning fixed fee ranges from $500 to $10,000

Percentage

2.00% annually

Project-based

$150 to $1,000 per hour

Other

Fee-only: Fixed fee from $500 to $10,000; hourly fee $150 to $1,000 per hour

Main office location

LUMINIST Capital, LLC

Grand Rapids MI, United States

Number of offices

3

Most active in

Florida · Georgia · Indiana · Kentucky · Louisiana · Michigan · New Jersey · Ohio · Rhode Island · South Carolina · Texas

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

user avatar

Aaron S

Series 63, Series 65

Grand Rapids, MI

LUMINIST Capital, LLC

Aaron Stine is a financial advisor at LUMINIST Capital, LLC with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several firms including Advisory Advocates LLC and Michigan Financial Companies. Outside of advisory work, he is the owner of Manly Work, LLC, a residential construction business, and is involved in project management through TS Contracting. LUMINIST Capital provides discretionary portfolio management and financial planning to individuals, trusts, estates, and business entities. The firm manages approximately $140.7 million across 742 client relationships, offering model-based and customized ETF-focused portfolios alongside tailored financial planning and consulting.

Options & derivatives strategies Passive / index investing Active portfolio management Concentrated stock management Cash flow / budgeting
user avatar

John T

Series 65

Grand Rapids, MI

LUMINIST Capital, LLC

John Timmermans is a financial advisor at Luminist Capital, LLC with 10 years of industry experience. He holds a Series 65 designation and has held roles at Advisory Advocates LLC, RM Investment Strategies, Finalto, and Alpha Capital Markets. Outside of his advisory work, he is a member of the Grand Rapids Yacht Club. Luminist Capital provides discretionary portfolio management and financial planning to individuals, trusts, estates, and business entities, managing approximately $140.7 million across more than 700 client relationships. The firm offers model-driven, ETF-focused portfolios and tailored financial planning, serving both high-net-worth and non-HNW clients.

Options & derivatives strategies Passive / index investing Active portfolio management Concentrated stock management Cash flow / budgeting
user avatar

Justin B

Series 65

Grand Rapids, MI

LUMINIST Capital, LLC

Justin Biebel is a financial advisor with LUMINIST Capital, LLC, holding a Series 65 designation and four years of industry experience. He has worked at several firms including RM Investment Strategies, LLC, 616 Advisors, and Alpha Capital Markets. Outside of his advisory roles, he is a member of Advisory Advocates, LLC, a non-investment related organization. LUMINIST Capital provides discretionary portfolio management and financial planning to individuals, trusts, estates, and business entities, managing approximately $140.7 million across 742 client relationships. The firm offers largely model-driven, ETF-focused investment strategies and custom option overlay solutions, serving both high-net-worth and non-HNW clients.

Options & derivatives strategies Passive / index investing Active portfolio management Concentrated stock management Cash flow / budgeting
user avatar

Julie L

Series 63, Series 65

West Deptford, NJ

LUMINIST Capital, LLC

Julie Lesicki is a financial advisor at LUMINIST Capital, LLC with 14 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at Horter Investment Management, LLC for 10 years. In addition to her advisory role, she is involved in business development and marketing initiatives through Safe Harbor Financial. LUMINIST Capital provides discretionary portfolio management and financial planning services to individuals, trusts, estates, and business entities. The firm offers model-driven, ETF-focused portfolios and tailored planning, serving both high-net-worth and non-HNW clients.

Options & derivatives strategies Passive / index investing Active portfolio management Concentrated stock management Cash flow / budgeting
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