# Aashwin Sachdev

> Aashwin Sachdev is a fee-only financial advisor at Luminous Money in Minneapolis, Minnesota, who holds the CFP credential. Aashwin charges a one-time planning fee, hourly fees and an ongoing planning fee (ongoing planning from $3,600 a year and one-time plans from $1,200).

Page: https://find.wellspent.co/advisors/aashwin-sachdev/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Luminous Money
- **Based in:** Minneapolis, Minnesota
- **Fee model:** One-time planning fee; Hourly; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $3,600 a year; one-time plans from $1,200; no asset minimum
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** CFP
- **Works with:** Early-career professionals, Retirees
- **CRD:** 6147342 (https://adviserinfo.sec.gov/individual/summary/6147342)
- **SEC registration:** Investment adviser representative in MN, TX
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://luminous-money.com

## Frequently asked questions

### Is Aashwin Sachdev a fee-only financial advisor?

Yes. Aashwin Sachdev is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Aashwin's firm.

### How does Aashwin charge for financial advice?

Aashwin charges a one-time planning fee, hourly fees and an ongoing planning fee.

### How much does Aashwin charge?

According to Luminous Money's website, checked October 28, 2026: ongoing planning from $3,600 a year; one-time plans from $1,200; no asset minimum.

### Does Aashwin work with clients virtually?

Yes. Luminous Money says on its website that it works with clients remotely.

### Where is Aashwin Sachdev based?

Aashwin Sachdev is based in Minneapolis, Minnesota.

### What credentials does Aashwin Sachdev hold?

Aashwin Sachdev holds the CFP credential.

### Is Aashwin Sachdev registered with the SEC?

Yes. Aashwin Sachdev is registered as an investment adviser representative in MN and TX (CRD 6147342), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Aashwin Sachdev?

Through Aashwin's website, luminous-money.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/aashwin-sachdev-72411): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://luminous-money.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.