Firm
Luminous Money
Minneapolis, Minnesota
Fee-only
Luminous Money at a glance
- One of 180 fee-only firms based in Minnesota in the Wellspent graph.
- 1 advisor is listed here, who holds the CFP.
- Its Form ADV reports 1 employee.
- Its ongoing planning fee starts at $3,600 a year, above the Minnesota median of $2,100.
- Its website says it's taking new clients.
- It works with clients virtually as well as in person.
Fee-only advisors in Minnesota · What fee-only advisors charge in Minnesota
Facts
| Based in | Minneapolis, Minnesota |
|---|---|
| Website | luminous-money.com |
| Phone | (937) 528-9579 |
Luminous Money fees
What the firm's own website says it charges, checked October 28, 2026. We keep a price only when the exact words stating it appear on the page.
| Ongoing planning | From $3,600 a year |
|---|---|
| One-time plan | From $1,200 |
| Account minimum | None |
| How it charges | One-time plans or projects · Hourly · Ongoing planning fee |
In the firm's words
"$3,600 - $10,000" source
"$1,200-$3,600" source
"$0 — Luminous is built to serve people across all income and wealth levels." source
"$1,200-$3,600" 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 |
|---|---|
| Employees | 1 |
| Planning clients | 0 |
| Financial planning | Offered |
| Form ADV filed | March 26, 2026 |
| SEC record | CRD 339844 |