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Creating Internal and External WealthFinance

Financial health is a cornerstone of holistic wealth, providing the
stability and freedom to pursue a balanced, fulfilling life

Client Centered

At Luminous Wealth, our disciplined approach is centered on delivering comprehensive, tailored financial plans designed to support your unique goals and evolving needs for many years to come. Through thoughtful strategies and meticulous organization, we empower you to navigate the next 20, 30, or more years with confidence—secure in the knowledge that your wealth and future are expertly managed and aligned with your vision.

At the same time, How do you live confidently in an uncertain world?

We recognize the profound impact your financial state has on your overall peace of mind, however, while a sound financial plan is essential for fostering a sense of security, we also acknowledge that genuine security cannot rest on finances alone—this is where the other seven arenas of Holistic Wealth come into play.

We guide our clients through the entire journey, helping to create a secure foundation that supports you and your family in experiencing internal and external wealth along with lasting peace of mind!

 

Elevating Financial Well-Being for HNW Families

Building and sustaining significant wealth requires sophisticated strategies,
disciplined stewardship, and alignment with your family’s values and legacy goals.

At Luminous Wealth, we guide you to:


Engage in comprehensive wealth planning that goes far beyond budgeting.
Utilize advanced cash flow modeling to ensure your investment, philanthropic,
and lifestyle goals remain in harmony.

Establish robust liquidity solutions, such as dedicated cash reserves, lines of
credit, and access to private banking, to ensure flexibility and readiness for
unexpected opportunities or challenges—far surpassing the traditional
emergency fund.

Deploy evidence-based investment strategies across global public and private
markets, incorporating alternative assets, direct investments, and thoughtful
diversification to preserve and grow generational wealth.

Proactively manage leverage by optimizing low-cost lending and strategic use
of credit, while minimizing inefficient or unnecessary debt.

Integrate sustainable and impact investing, channeling capital into opportunities that reflect your ethical priorities and contribute to meaningful
change, while still pursuing attractive returns.

Routinely review and adapt your wealth plan in collaboration with a dedicated
multidisciplinary team of professionals—including tax specialists, legal advisors,
investment managers, and risk management experts—to ensure every strategy
is expertly crafted, integrated, and responsive to your evolving circumstances.

Implement holistic tax optimization strategies, including tax-efficient
investment structures, intergenerational wealth transfer plans, and the use of
charitable trusts and philanthropic vehicles that reflect your family’s values and
maximize impact. We also forecast income streams over your lifetime to strategically manage marginal income tax brackets, enabling the timing of income, deductions, and distributions to minimize tax liabilities and enhance after-tax wealth.

Employ advanced risk management strategies to protect your wealth from
catastrophic losses while efficiently self-insuring low-exposure or high-frequency
events. High-net-worth clients benefit from sophisticated approaches such as
umbrella liability coverage, tailored property and casualty insurance, and the
selective use of captive insurance solutions. Regular reviews ensure your
protection evolves with your needs and market conditions.

Resources to Deepen Your Financial Practice 

To enhance your financial literacy and practice, explore these curated
resources:

Books:

Apps:

Podcasts:

Online Courses and Retreats:

Meet our dedicated team of in-house Advisors and Coaches, ready to assist you in exploring the eight essential aspects of creating Holistic Wealth.

Begin Understanding Your Financial DNA

Begin Understanding Your Financial DNA

Your financial journey begins with self-knowledge. Uncover insights
from your DNA to reveal unique strengths and talents that can guide
your path. With self-awareness, you can set goals that resonate with
your core being, leading to a fulfilling life aligned with your
deepest aspirations. Let your financial decisions reflect your
personal values and fuel your growth. Discover the power of
self-knowledge to unlock your true financial potential.

The Role of Accountability and Expert Guidance

Just as a dedicated trainer supports your physical well-being, experienced financial advisors and coaches provide critical accountability in managing your financial life. They deliver personalized strategies tailored to your unique objectives—whether it’s risk mitigation, estate planning, or adapting your plan as your circumstances evolve. With expert guidance, you can navigate complex challenges such as market fluctuations and changing tax regulations, all while fostering mindful and informed decision-making. At Luminous Wealth, our team specializes in holistic advisory services, seamlessly blending financial expertise with elements of life coaching. This integrated approach empowers you to achieve true mastery over your resources, ensuring your financial plan supports both your long-term goals and your overall sense of well-being.

Tim Baker

Tim ”Jai” Baker, CIMA® GFS® CPWA®

Wealth Curator | Author

561.919.4808

Tim@luminouswealth.com

With a blessed, four-decade career, Tim has expertly overseen the financial affairs of esteemed individuals, from presidents to top executives in various fields. His pioneering philosophy merges wealth management with personal...
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Angel Latterell, J.D.

Angel Latterell, J.D.

Attorney

angel@latterelllaw.com

Angel Latterell is a trusted advisor who takes a holistic, humanistic approach to estate planning that not only ensures your loved ones receive the security they need when you are no longer here, but also serves your life’s purpose and...

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Billy Robinson, J.D., CPA,

Billy Robinson, J.D., CPA,

Tax Advisor

561.406.3480

billy@johnwboyercpa.com

Angela has worked as a tax professional for 10 years specializing in high net-worth individuals, Partnerships, S Corporations and C Corporations tax filings. She has worked in major nation-wide tax firms throughout her career and is...

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Janet Edwards

Janet Edwards

Global Real Estate Advisor

561.510.5231

jedwards@onesothebysrealty.com

As a realtor with Sotheby’s International Realty, I am passionate about both health and wellness, and I apply the same dedication to fitness as I do to serving my clients. I believe in fostering strong relationships and providing...
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Suzanne Qualia

Suzanne Qualia

Holistic Wealth Team Liaison & Mindfulness Coach

608.354.5392

Suzanne@qualia-inc.com

Consciousness Coach Suzanne believes that elevated consciousness—knowing oneself and enabling greater conscious choice—is the key to success in all areas of life. Through a coaching approach that includes asking thought-provoking...

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Laura Reese

Laura Reese

Spiritual Guide | Holistic Home Stylist | Lifestyle Advisor

256.631.8923

glassrootsenergetics@gmail.com

Laura Reese is an experienced Spiritual Guide and Lifestyle Advisor who offers transformative teachings and practical tools designed to help individuals unlock their higher purpose and realize their fullest potential.

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Edith Vincent

Edith Vincent

Certified Hypnotherapist | Reiki Level 2 Practitioner

info@edithvincenthypno.com

Edith Vincent is a certified Hypnotherapist with 1250 hours of rigorous training in therapeutic and medical hypnosis, she guides clients on their journeys of self-discovery and healing. Drawing on her five years of experience in law...

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Jen Nolan BS, MS, ONC, TAP

Jen Nolan BS, MS, ONC, TAP

Holistic Nutrition Advisor

720-295-1759

info@remissionnutrition.com

Jen Nolan is a holistic nutrition consultant who takes a terrain-based, metabolic approachto helping individuals elevate their health, restore balance, and build lasting vitality. Withover two decades of experience in both clinical and...

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Terry Umarally

Terry Umarally

Movement Specialist & Holistic Fitness Coach

umamovement@gmail.com

Meet Terry Umarally – Movement Specialist & Holistic Fitness Coach With 25 years of experience in health and fitness, Terry Umarally is a movement specialist dedicated to helping individuals move better, feel stronger, and live with...

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Danielle Francine

Danielle Francine

Strength Building & Weight-loss Advisor

goddessawakened2244@gmail.com

Danielle is a Body Transformation Expert with over 17 years of experience in the Health, Fitness, and Nutrition industry. Her journey began in fitness, where she earned 12 specialty certifications and owned a CrossFit gym. This...
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Jeff Garinger

Jeff Garinger

Wealth Curator

609.751.6413

Jeff@luminouswealth.com

Jeff Garinger is a seasoned wealth curator renowned for his thoughtful, client-centered approach to financial planning and investment strategy. A graduate of the University of Vermont (Class of 2016) and a former member of the men’s...
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Troy Maleyko

Troy Maleyko

Luxury Commercial Real Estate Advisor

561-831-8202

tmaleyko@ipre.com

Troy Maleyko is a Commercial Real Estate Advisor who approaches real estate as a relationship-driven, long-term partnership rather than a one-time transaction. Originally from Canada and now based in Jupiter, Florida, Troy works...
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Get Started Uncover Your Financial Future Through Self-Discovery

Your financial journey starts with knowing yourself. Unlock the secrets of your DNA to reveal your unique strengths and talents. This self-awareness empowers you to set goals that resonate with your core being, leading to a fulfilling life aligned with your aspirations. Let your DNA guide you towards financial decisions that reflect your values and fuel your personal growth. Discover the power of knowing yourself and unlock your true financial potential.

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