Alyssa Lum, CFP®, MBA Luminate Financial Planning

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About Alyssa Lum, CFP®, MBA

I founded Luminate Financial Planning because I am passionate about the power of planning and about helping you build a life based on what matters most to you. Financial planning is a mix of art and science. It’s not just about the numbers, but what the numbers mean for you. It’s how you can use money as a tool to build your own great life.

I will work with you to simplify and take control of your financial life. I will empower you to align your financial assets with your own values and goals.

I believe that financial planning should be transparent, using a fee-only structure to minimize conflicts of interest. No commissions and no hidden fees.

I personally understand the transformative power of sound financial planning and advice. Before leaving my prior career in corporate finance, and before I knew financial planning was even a profession, I built my own extensive plan for my family. We wanted to figure out if I could take time off of my career to start a family and become a stay-at-home mom while our kids were young. That basic plan (built with an Excel spreadsheet) served as a guidepost for the financial decisions my family and I have faced.

My background 

I have an MBA in Finance from Georgetown University and an undergraduate degree in Business Administration from Bloomsburg University. I hold the CFP® certification and passed the Series 65 Uniform Investment Adviser exam. I worked as an associate financial advisor and wealth planner for an independent broker-dealer before launching my own practice.

 

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Recently Published

What's a Donor-Advised Fund and Why Should You Care?

December 9, 2019

It’s the holidays, and the season of giving is in full swing. Many of my clients are thinking about giving back and wondering how they can best use their charitable dollars (while maximizing their tax deductions) before the new year begins.

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New to Saving? Start Small and Keep it Simple

October 10, 2019

A lot of people go through life believing there’s no way they can save money. They usually have a long list of reasons why: student loans, low salary, high rent, endless kids’ activities, or maybe just the desire to live in the moment.

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Is Your Kid Starting College? Don’t Wait to Talk About Money

September 3, 2019

Ok parents, at some point you are probably going to get the call: ”Mom, Dad, please help -- I’ve run out of money!” Maybe they blew too much on pizza, indulged in too many grande Unicorn Frappuccinos, or just ran into unexpected costs they didn’t anticipate. Whatever the cause, you can probably count on a desperate money call at some point.

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Ideal Clients

  • College Planning
  • Gen X
  • Parents

Ways Advisor Charges

  • Monthly Fee
  • Flat Fee
  • Assets Under Management

Fee Options

  • Upfront: $1,500+
  • AUM: 1.0%
  • Monthly fee of $100/month if AUM under $120k

SEC Records

States Registered

  • Virginia

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