Luminary Financial Planning fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed January 14, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$100⁠-⁠$500/hr

“The fees are negotiable and the final fee schedule will be attached as Exhibit II of the Financial Planning Agreement. 3 Hourly Fees The hourly fee for these services is between $100 and $500.”

Flat or project fee

$200⁠-⁠$3,500

“The rate for creating client financial plans is between $200 and $3,500.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Luminary Financial Planning bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Clients may terminate the agreement without penalty, for full refund of SHL’s fees, within five business days of signing the Investment Advisory Contract.”
• “The fees are negotiable and the final fee schedule will be attached as Exhibit II of the Financial Planning Agreement.”
• “AUM-based portfolio management fees are paid by direct fee deduction on a quarterly basis in arrears.”

How Luminary Financial Planning’s fees compare

• Its hourly rate of $100-$500 spans the California median of $300. 41% of the 932 other California planners that publish an hourly rate charge less.
• 3 of the 3 other planners in Modesto that publish an hourly rate charge less.
• Its flat or project fee of $200-$3,500 is below the California median of $5,000. 18% of the 796 other California planners that publish a flat or project fee charge less.
• None of the 2 other planners in Modesto that publish a flat or project fee charge less.

About Luminary Financial Planning

• Solo practice: one person runs the firm, so you work directly with the planner.
• Founded: 2012 (14 years).

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1.5% a year

Clients

24

Employees

1

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning and portfolio management for individuals and small businesses

Assets managed

$26,752,161

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

169270

Website

luminaryfinancialplanning.com (opens in new tab)

Phone

(209) 606-7289

Other planners in Modesto that publish fees

• Blom & Howell Financial Planning, Inc.Modesto$250/hr, $500⁠-⁠$10,000
• Crawford Financial Planning & ConsultingModesto$220/hr, $2,000⁠-⁠$4,000/yr
• Mraz and AssociatesModesto$250/hr, $1,000⁠-⁠$5,000
• 10/28 Wealth Management LLCOceanside$300/hr, $500⁠-⁠$10,000
• 360DividendsGranite Bay$300/hr, $2,500⁠-⁠$10,000
• 3D Holistic WealthIrvine$300/hr, $1,500⁠-⁠$10,000

Compare all 4 planners in Modesto