# Nicole Seghetti

> Nicole Seghetti is a fee-only financial advisor at Luminary Financial Planning in Modesto, California, who holds the CFP credential. Luminary Financial Planning reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/nicole-seghetti/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Luminary Financial Planning
- **Based in:** Modesto, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $26.8M across 54 accounts
- **Credentials:** CFP
- **CRD:** 4782867 (https://adviserinfo.sec.gov/individual/summary/4782867)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 63 (2004), Series 66 (2007)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.luminaryfinancialplanning.com/

## Frequently asked questions

### Is Nicole Seghetti a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Nicole holds no broker registration, and Luminary Financial Planning reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Nicole charge for financial advice?

Nicole's firm, Luminary Financial Planning, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Nicole Seghetti based?

Nicole Seghetti is based in Modesto, California.

### What credentials does Nicole Seghetti hold?

Nicole Seghetti holds the CFP credential.

### Is Nicole Seghetti registered with the SEC?

Yes. Nicole Seghetti is registered as an investment adviser representative in CA (CRD 4782867), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Luminary Financial Planning manage?

Luminary Financial Planning reports $26.8M across 54 accounts in assets under management.

### How do I contact Nicole Seghetti?

Through Nicole's website, www.luminaryfinancialplanning.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4782867): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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