1st

The first step in the Lumina Process is for us to meet and have a casual conversation. I invite all potential clients to visit our main office location, where we’ll spend some time discussing any general financial information that you think I should know in order to better understand the broader picture of your situation and goals.

2nd

The next step in the Process occurs when a potential client decides to work with us, at which point we will begin a more intensive financial analysis. During this time we will collect all the personal information necessary to create a financial plan, this includes current wealth, expected future cash inflows and outflows, and more.

3rd

Next, we use this higher level plan to prescribe ideal investment strategies for your unique circumstances. With our clients’ input, we will strategize on the best way to leverage your accumulated resources to achieve your goals in the most appropriate manner possible. Creating a plan that optimizes your holistic return, while not exceeding client risk tolerances, will enable us to create a plan with a strong underlying strategy so as to give our clients peace of mind.

4th

Once we have created a plan that our clients are enthusiastic about, we implement the plan and trust the underlying strategy.

5th/6th

The final step in the Lumina Process is to maintain and monitor your financial position. We understand that in the years to come there will be major life events that may call for adjusting existing plans and strategies. We want our clients to be confident that they can always reach out to us in order to discuss the implications of such events on their financial goals and aspirations. A few of these major life events can be:

• Retirement
• Divorce
• Inheritance
• Critical illness
• Parent/Eldercare
• Loss of job/New Job
• Marriage
• Birth of a child