Our investment approach is centered on long-term, evidence-based strategies designed to manage risk and optimize returns.

We believe in:
✔️ Diversification across asset classes and sectors
✔️ Tax-efficient investing
✔️ Adapting strategies to evolving market conditions

✔️ Sustainability risks and opportunities (incorporated at client request)

We don’t chase trends or make speculative bets—we focus on proven investment principles that drive consistent, long-term growth.

Yes. As a fiduciary, we are legally and ethically bound to act in our clients’ best interests at all times. This means we must prioritize transparency, full disclosure, and the highest standard of care in every financial recommendation we make. Unlike non-fiduciary advisors, who may sell products that generate commissions or have hidden fees, we are fee-only and work solely for you. Our commitment is to provide unbiased, conflict-free advice designed to help you achieve your financial goals.

We believe wealth management should be personal, transparent, and truly aligned with your values. Instead of a one-size-fits-all approach, we take on the role of your personal CFO, offering a private concierge-level experience tailored to your unique needs.

• No call centers, no junior advisors – You communicate directly with your advisor.

• A holistic approach – We connect you with our network of top-tier professionals, including estate attorneys, tax strategists, mortgage lenders, and healthcare specialists, to ensure every aspect of your financial life is coordinated.

• Near 24/7 availability – We understand that financial concerns don’t follow a 9-to-5 schedule. We prioritize responsiveness and immediate turnaround times.

At Lumora Wealth, you’re not just another client in a portfolio—you’re a partner in your financial success.

Our financial planning process is designed to simplify complexity and bring clarity to your wealth:

1. Discovery & Goal-Setting – We start with an in-depth consultation to understand your financial life, aspirations, and concerns.

2. Comprehensive Analysis – We assess your current financial situation, investments, risk tolerance, and tax implications.

3. Personalized Strategy – We create a tailored plan, covering everything from investments and tax planning to estate considerations and major life events.

4. Implementation & Ongoing Guidance – We put the plan into action and provide continuous monitoring, updates, and adjustments as your life evolves.

Our clients are professionals, business owners, and families seeking unbiased, high-touch financial guidance. Many of our clients are:

• Executives or professionals navigating liquidity events (IPOs, stock options, or acquisitions).

• Entrepreneurs or business owners looking for tax-efficient strategies and investment planning.

• Near-retirees seeking income stability, capital preservation, and estate planning.

• Investors who want aligned, impact-driven portfolios without compromising performance.

While we primarily serve high-net-worth professionals and families, we believe financial planning is valuable at any stage of life. Whether you're navigating your first equity compensation package, preparing for retirement, or restructuring a complex portfolio, we tailor our services to meet you where you are. We prioritize building long-term relationships, ensuring that your financial strategy evolves alongside your goals.

We operate on a transparent, fee-only model with no commissions or hidden costs. Our fees include:

• Flat fees for financial planning services, tailored to your needs.

• Tiered AUM fees for investment management, structured to align with your long-term success.

We believe in full transparency—our clients always know exactly what they are paying for.

Financial planning is not a one-time event—it’s an evolving process. We provide:
✔️ Annual comprehensive reviews to assess progress and adjust strategies.
✔️ Quarterly investment reports to keep you informed on market movements and performance.
✔️ As-needed check-ins whenever a major financial event occurs (job change, liquidity event, tax law changes, etc.).

Your financial needs are dynamic, and we are here to adapt and guide you every step of the way.

It starts with a conversation. Schedule a complimentary consultation to discuss your financial goals, concerns, and how Lumora Wealth can help you achieve financial clarity and confidence.

📩 Contact Us to take the first step toward a more aligned and secure financial future.