Lumin Financial, LLC

Lumin Financial, LLC is an independent federally registered investment adviser established in February 2000, specializing in providing investment advisory services to employer-sponsored ERISA retirement plans and 401(k) Plan participants. The firm also offers investment advisory services to individuals, primarily high-net-worth investors, focusing on retirement income planning and estate planning. Lumin acts as a fiduciary for qualified retirement plans, providing services such as advising on asset classes, investment alternatives, and assisting in the development of Investment Policy Statements. For individual clients, Lumin offers discretionary investment advisory services based on clients' goals, risk tolerance, and time horizon. The firm's investment strategies include fundamental analysis for equities and a conservative approach for fixed income securities. Lumin charges fees based on the type of engagement, with minimum account sizes starting at $250,000. The firm does not accept performance-based fees and provides investment discretion to clients who grant authority. Clients receive regular account reviews and reports, and the firm does not vote on client securities. Lumin does not have any disciplinary events or financial commitments that would impair its ability to meet obligations. For more information, visit www.luminfinancial.com.