Luminate Financial Planning
Sterling, Virginia
Luminate Financial Planning at a glance
- One of 305 fee-only firms based in Virginia in the Wellspent graph.
- 1 advisor is listed here, who holds the CFP.
- Its Form ADV reports 1 employee and 59 individual clients, 25 of them high net worth.
- Its average account is about $272,000 (assets it manages divided by its 129 accounts).
- Its website says it's taking new clients.
Fee-only advisors in Virginia · What fee-only advisors charge in Virginia
Facts
| Based in | Sterling, Virginia |
|---|
Questions about Luminate Financial Planning
How much does Luminate Financial Planning charge?
Luminate Financial Planning publishes these prices: one-time plan: from $3,500; asset-based fee: 1% a year on the first tier of assets. We found this on its website, checked November 7, 2026.
How is Luminate Financial Planning paid?
Luminate Financial Planning's Form ADV says it is paid by: percentage of assets, hourly, fixed fees.
How many advisors does Luminate Financial Planning have in the Wellspent public graph?
The Wellspent public graph lists 1 advisor at Luminate Financial Planning.
What is the average account at Luminate Financial Planning?
Luminate Financial Planning's average account is about $272,000. That's the assets on its Form ADV divided by its 129 accounts.
What does Luminate Financial Planning specialize in?
Luminate Financial Planning's advisors and website list tax planning.
Is Luminate Financial Planning accepting new clients?
Yes, according to Luminate Financial Planning's website, checked November 7, 2026.
Luminate Financial Planning fees
What the firm's own website says it charges, checked November 7, 2026. We keep a price only when the exact words stating it appear on the page.
| One-time plan | From $3,500 |
|---|---|
| Asset-based fee | 1% a year on the first tier of assets |
| How it charges | Percentage of assets · One-time plans or projects |
In the firm's words
"The initial upfront planning fee is $3,500" source
"we charge an asset management fee of 1.0% of first $1mm investments managed, then 0.5% for investments above $1mm" source
"we charge an asset management fee of 1.0% of first $1mm investments managed, then 0.5% for investments above $1mm" source
"The initial upfront planning fee is $3,500" source
For comparison, fee-only firms that publish prices charge a median of $4,500 a year for ongoing planning, $2,000 for a one-time plan, $300 an hour, or 1% of assets. See the fee report.
What its SEC filing says
| Paid by | Percentage of assets · Hourly · Fixed fees |
|---|---|
| Assets managed | $35 million |
| Individual clients | 34 |
| High-net-worth clients | 25 |
| Accounts managed | 129 |
| Employees | 1 |
| Planning clients | 51-100 |
| Financial planning | Offered |
| Form ADV filed | January 27, 2026 |
| SEC record | CRD 289287 |
Advisors at this firm (1)
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