Alyssa Lum, CFP®, MBA Luminate Financial Planning
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.
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.
After flying to San Francisco on June 12 and then spending 17 days driving back across the country, my family and I are finally home from our amazing RV trip! While the trip was fantastic overall with lots of pleasant surprises, there are certainly a few lessons that we had to learn the hard way.
STEP 1: LET THE PAST GO The first step is to forgive yourself for your past money mistakes. That sounds a little "woo-woo", but I do think it's an important starting point. Stop beating yourself up for decisions you made in the past, and go forward from here.
There are lots of terms out there that all refer to the same basic idea: aligning your investment dollars with your values. It has often been called Socially Responsible Investing (SRI) and sometimes, Impact Investing. A key strategy of values-based, sustainable and responsible investing is incorporating environmental, social, and corporate governance (ESG) criteria into investment decisions.
- College Planning
- Gen X
Ways Advisor Charges
- Monthly Fee
- Flat Fee
- Assets Under Management
Monthly fee of $100/month if AUM under $120k