Broker Check

Luminous Wealth | Our Unique Way Welcome to Our Virtual Multi-Family Office


Our Unique Approach

At Luminous Wealth, we provide a distinctive and comprehensive approach to wealth management designed for high-net-worth individuals and families. Our process, developed over decades, offers a holistic wealth experience that transcends traditional financial planning. We recognize that our approach may not resonate with everyone, and that’s perfectly fine. We are not here to convince you; we are here to serve those who align with our vision and values.

Family-Operated and Human-Centric

Life management concepts founded by Tim Baker in 1997, Luminous Wealth is an independently operated firm where our tightly integrated team of multi-disciplinary partners stands alongside yours. We connect with our clients on a personal level, fostering open and honest dialogue that builds trust and understanding.

Our History

Shielding You from “Wall Street, Insurance Street, and Bank Street”

Our core principles of insight, integrity, and advocacy guide us in protecting our clients from the potential pitfalls of traditional financial institutions. We serve as your wealth sanctuary, providing conflict-free, fiduciary advice that prioritizes your best interests.

Multidisciplinary Collaborative Approach

Our team of independent professionals collaborates to address all aspects of your wealth management needs. We firmly believe that wealth cannot be managed in isolation; our integrative approach ensures that every facet of your financial and non-financial situation is considered.  It is critical to have a team of advisors that collegially challenge one another for the best possible strategies while being in philosophical alignment with your family’s mission statement.  Hence our need to work with the same professional partners for every client relationship Luminous Wealth is hon..

Our Unique Requirements:

Our Client Profile

 Luminous Wealth is uniquely suited for individuals and families with approximately $1,000,000 or more in aggregate assets or a gross income of $500,000 and above. Our specialized services cater to clients with investable assets ranging from $1,000,000 to $25,000,000 or more. 

Comprehensive Asset Management

We manage all investable assets, excluding those corporate retirement plans that must be managed at the employer's platform.

Fee-Only Structure: 

As a fee-only advisor, we do not earn commissions from insurance or investment products, or any other services provided from our affiliations, ensuring our advice remains unbiased.

Clients must engage with our team of experts in their respective areas:

Our CPA partner collaborates to develop year-end tax plans under our one fee approach and prepares annual tax returns for a separate a la carte fee disclosed before engagement. After the first year, we require that our CPA partner is used for our client’s tax preparation services. Our attorney partner reviews estate and charitable planning strategies under our one fee approach and will provide legal and document services for wills and trusts when recommended for an a la carte fee disclosed before engagement. We conduct analyses and make recommendations for life, disability, and long-term care insurance under our fee approach. Should insurance contracts be recommended and implemented, an outside agency may receive a commission that Luminous Wealth has NO association with. There is never a conflict of interest with our risk management recommendations. Our professionally credentialed Consciousness and Life Coaches will deliver our vision for the optimal life experience along with tools to implement changes for the one best life in front of us. Coaching beyond our foundational platform will be offered on an a la carte fee disclosed before engagement

Watch this Video to gain a clear understanding of our Process:



Beyond Traditional Holistic Planning

We extend our services beyond financial planning to encompass the multi-dimensional aspects of being human:

Blue Zone Inspired

Our approach is informed by research from Blue Zone studies, recognizing the interconnected nature of all life aspects to the human experience.

www.bluezone.com

Non-Financial Aspects

We focus on essential non-financial aspects of holistic well-being, all reviewed in our comprehensive fee structure. 

Additional Services

For clients wishing to delve deeper into specific aspects of their lives, we offer à la carte services with our in-house Advisory Team.

Is Luminous Wealth Right for You?

Is Luminous Wealth Right for You?

Our Virtual Multi-Family Office is tailored for those who value:

  • A comprehensive, multi-disciplinary approach to wealth management.
  • A family-operated firm with a human-centric focus.
  • Conflict-free, fiduciary advice.
  • A holistic view of wealth that transcends mere finances.

If our story resonates with you, we invite you to explore how Luminous Wealth can meet your family’s needs. If not, we respect your decision and wish you success in finding the right wealth management solution.   We appreciate you for considering Luminous Wealth’s Virtual Multi-Family Office. Welcome to your wealth sanctuary.

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.

Take Assessment