Lumin Financial

Lumin Financial

Lumin Financial was established in 2000 and is headquartered in Southfield, Michigan, a city that anchors the suburban office market north of Detroit. The firm operates as a fee-based registered investment advisor, serving a client base that includes individual retail investors, high-net-worth households, and corporate entities. Its core offerings span discretionary portfolio management, retirement planning, and general financial counseling. The firm's investment strategy centers on constructing client portfolios from individual equities, fixed-income securities, and mutual funds, with allocations tailored to client risk profiles rather than commingled proprietary funds. Lumin Financial also provides advisory services to employer-sponsored retirement plans, acting as a fiduciary to plan sponsors in the Michigan market. The geographic footprint is concentrated in the Midwest, with client relationships predominantly in Oakland County and the broader Detroit metropolitan area. The firm maintains a deliberately lean team structure characteristic of a boutique wealth management practice. Lumin Financial is registered with the SEC as an investment advisor and is subject to the fiduciary standard under the Investment Advisers Act of 1940. Its ADV filings, public record, outline a standard fee schedule based on a percentage of assets under management, with separate fixed-fee engagements for financial planning services. The firm does not publicly disclose assets under management. Lumin Financial distinguishes itself through its longevity in the same geographic market, having served clients for over two decades in a region shaped by automotive industry wealth and the subsequent economic diversification into healthcare and technology. Its architecture as a standalone, owner-operated RIA — rather than a bank trust department or wirehouse team — allows the firm to select custody and technology platforms independently, without institutional product-distribution mandates.