Luminous Money fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 26, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$200/hr

“Our hourly rate is $200.”

Flat or project fee

$1,500⁠-⁠$15,000

“Fixed fee rates range between $1,500 to $15,000.”

Annual fee

$1,200⁠-⁠$15,000/yr

“Fees are paid monthly, quarterly, or annually in arrears and generally range from $1,200 to $15,000 per year.”

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

How Luminous Money bills

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

• “Fees are negotiable and some fees may vary by Client for similar services.”
• “The annualized advisory fee for investment management services is paid quarterly in arrears and is calculated based on the average daily balance of the client’s account(s) during the applicable quarter.”
• “Our advisory fee is prorated for any partial billing periods occurring during the engagement, including the initial and terminating billing periods.”

How Luminous Money’s fees compare

• Its hourly rate of $200 is below the Minnesota median of $263. 17% of the 115 other Minnesota planners that publish an hourly rate charge less.
• 2 of the 15 other planners in Minneapolis that publish an hourly rate charge less.
• Its flat or project fee of $1,500-$15,000 spans the Minnesota median of $5,250. 65% of the 108 other Minnesota planners that publish a flat or project fee charge less.
• 9 of the 14 other planners in Minneapolis that publish a flat or project fee charge less.
• Its annual fee of $1,200-$15,000 spans the Minnesota median of $8,050. 51% of the 49 other Minnesota planners that publish an annual fee charge less.
• 4 of the 10 other planners in Minneapolis that publish an annual fee charge less.

About Luminous Money

• Principal: Aashwin Sachdev
• Solo practice: one person runs the firm, so you work directly with the planner.
• Meets clients remotely: the brochure mentions virtual or online meetings.
• Founded: 2025.

Planning areas mentioned in the brochure

• Retirement planning
• Estate planning
• College planning
• Business owners
• Cash flow and budgeting

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

2% a year

Employees

1

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, selecting other advisers, and educational seminars and workshops

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

339844

Website

luminous-money.com (opens in new tab)

Phone

(937) 528-9579

Other planners in Minneapolis that publish fees

• Access Financial Services, Inc.Minneapolis$250⁠-⁠$400/hr, $1,000
• Adaptive Financial Design LLCMinneapolis$1,000, $200⁠-⁠$500/mo
• All Star FinancialMinneapolis$25,000
• Allodium Investment Consultants, LLCMinneapolis$200⁠-⁠$500/hr, $2,500⁠-⁠$50,000
• Authentic Life Financial PlanningMinneapolis$300/hr, $8,000
• Bernstein Financial AdvisoryMinneapolis$250/hr

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