Luminate Financial Planning fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed January 27, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$200⁠-⁠$400/hr

“Financial Planning engagements are offered at an hourly rate between $200.00 and $400.00 per hour, depending on complexity.”

Flat or project fee

$500⁠-⁠$10,000

“Comprehensive Financial Planning Comprehensive Financial Planning consists of an upfront charge of $500 - $10,000 depending on complexity and an ongoing fee that is paid monthly, in arrears, at the rate of $100 - $800 per month.”

Monthly fee

$100⁠-⁠$800/mo

From the same sentence as above.

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

How Luminate Financial Planning bills

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

• “Advisory fees are directly debited from client accounts, or the client may choose to pay by check.”
• “An account may be terminated with written notice at least 30 calendar days in advance.”
• “Since fees are paid in arrears, no rebate will be needed upon termination of the account.”

How Luminate Financial Planning’s fees compare

• Its hourly rate of $200-$400 spans the Virginia median of $260. 53% of the 203 other Virginia planners that publish an hourly rate charge less.
• Its flat or project fee of $500-$10,000 spans the Virginia median of $4,250. 57% of the 168 other Virginia planners that publish a flat or project fee charge less.

About Luminate Financial Planning

• Principal: Alyssa Lum
• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CFP®.
• Founded: 2017 (9 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% a year

Clients

59

Employees

1

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, and pension consulting

Assets managed

$35,035,948

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

289287

Website

luminatefp.com (opens in new tab)

Phone

(703) 577-2788

Other planners in Virginia that publish fees

• 8TH Street Investments, LLCAlexandria$250⁠-⁠$500/hr, $2,000⁠-⁠$7,000
• Abich Financial Wealth Management, LLCAshburn$350/hr, $20,000
• Acadia Financial Services, LLCFairfax Station$400/hr, $600/yr
• Acorn Financial Advisory Services, Inc.Reston$175⁠-⁠$1,295/hr, $3,750
• Activ8 Family Office LLCMclean$400/hr, $2,500⁠-⁠$100,000
• Acts Financial AdvisorsMclean$450/hr

Compare all 435 planners in Virginia