Services - Luminvest Wealth Management

The Luminvest Experience

Ideal for: Individuals nearing retirement, those who are already retired, and those with high income or net worth.

What will I get?

• Comprehensive financial planning and investment management with unlimited access to your wealth advisor.

• Ongoing ad hoc and quarterly (typically) consultations with unlimited email support.

• See our Service Calendar (linked to other page) for more information about our quarterly review meetings.

Comprehensive, full-service financial planning comes with a focus on topics most relevant to high net worth individuals, including:

Investment management

Tax planning

Cash flow planning

Education planning

Philanthropic planning

Advanced estate planning

Small business planning

Risk management

Executive compensation

*Luminvest Wealth Management, LLC does not offer legal services, but may provide references to legal providers. They may also work with your attorney or legal advisor.

1. Initial Meeting

Let's kick things off with a no-cost, no-obligation phone or video conversation. This allows us to determine if we're a good fit for each other.

2. Discovery

Help us learn more about you and your goals. Once we understand your objectives, we will develop a plan with specific actions customized for you.

3. Actionable Advice or Plan Review

We'll review the plan and discuss the roadmap, highlighting the priority action items. This will empower you with actionable insights to navigate your financial journey confidently.

4. Take the First Step

Without action, it's just a plan. We will provide accountability, guidance, and support, ensuring you take proactive steps toward your financial goals. Together, we will establish a clear path that instills confidence and peace of mind in your financial journey.

Let’s put your plan into motion.
We're here to assist you every step of the way.

Click Here to Schedule Your Initial Meeting

Ongoing quarterly consultations with unlimited email support

Throughout the year, we'll cover various topics during our review meetings or via email. Here’s an example of what that may look like:

January-March

Q1 Service Calendar

Review of prior year goals and action items
Portfolio analysis/rebalance review
Update financial plan: income, expenses, etc.
Yearly IRA/Roth IRA contributions and/or Required Minimum Distributions (RMDs)

April-June

Q2 Service Calendar

Review tax return, tax withholding, and tax-planning strategies
Estimated tax payment calculation

July-September

Q3 Service Calendar

Mid-year review: check on cash flow and update your financial plan
Review estate planning and beneficiary designations
Review insurance coverage (life, disability, P&C)
Education on important topics (e.g., basic estate planning, home buying, education savings, student loan planning, starting a family/business, etc.)

October-December

Q4 Service Calendar

Year-end tax planning
Tax Gain/Loss Harvesting (available throughout the year)
Roth conversions
QCDs (Qualified Charitable Distributions)
RMDs (Required Minimum Distributions)
Annual giving
Charitable contributions
Open enrollment decisions
Contribution percentages
Pre-tax vs. Roth
Life and health considerations
Health Savings Account

October-December

Q4 Service Calendar

Year-end tax planning
Tax Gain/Loss Harvesting (available throughout the year)
Roth conversions
QCDs (Qualified Charitable Distributions)
RMDs (Required Minimum Distributions)
Annual giving
Charitable contributions
Open enrollment decisions
Contribution percentages
Pre-tax vs. Roth
Life and health considerations
Health Savings Account

If you're not quite ready to start your journey, join the Luminvest Wealth Management email list for updates and valuable insights →

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