Luminary Wealth Advisors works to understand your complete financial picture, while creating a comprehensive wealth plan that evolves with you.
What keeps you up at night? If it’s your finances, then your path towards financial freedom begins now.
We will build a strategic and comprehensive path with an end goal for you to feel positive and optimistic about your future.
PORTFOLIO PLANNING
We work to grow what you need and focus on protecting what you already have. As part of our fiduciary duty to act in your best interests, we place a comprehensive focus upon aligning your portfolio with the remainder of your financial picture and long-term goals.
EDUCATION SAVING
As a parent with the means to help your child obtain a higher education, being aware college tuition has been steadily on the rise – and will most likely continue to do so – is the first step in preparing a plan. We will evaluate if you’re saving effectively, while still considering your own retirement needs arriving down the line.
DEBT MANAGEMENT
Debt management is a way to get your debt under control through financial planning and budgeting. We measure your cash inflows and outflows to determine if you have a positive or negative net cash flow year by year throughout your retirement. From this analysis we design a plan to help you best achieve your goals.
CHARITABLE PLANNING
We help clients understand how to use a variety of financial management tools for philanthropic strategy such as charitable remainder trusts, donor advised funds and charitable gift annuities.
ESTATE PLANNING
We are proud to work with families while outlining financial strategies to prepare for bequeathing assets to a loved one or next of kin. Areas of wills, trusts, probate, charitable giving, power of attorney, advanced health directives need to be addressed, and we work to make the process simple and complete.
RETIREMENT PLANNING
We begin by understanding what type of milestones are headed your way, and what you envision for your financial future. From there we provide tailored solutions and offer sound and unbiased advice to address every aspect of your path.
CASH FLOW ANALYSIS
Cash flow is the lifeblood of every financial entity. Having too little hampers your ability to pay bills on time, and having too much indicates you aren’t investing properly. We examine how you generate and spend money over a specific period of time, and determine where your money is going and how much cash you have available at a given moment.
TAX EFFICIENT INVESTING
Every investment has costs and taxes can take the biggest bite out of your returns. The upside is tax-efficient investing can minimize your tax burden and maximize your bottom line. Tax-efficient investing involves choosing the right investments and the right accounts to hold those investments.
RISK MANAGEMENT
We will plan, manage and analyze the financial and monetary aspects of your investments to identify and analyze loss exposures, then take steps to minimize the financial impact of the risks they impose.
ASSET ALLOCATION PORTFOLIOS
We assist in creating portfolios around each client’s unique objectives and risk tolerance using a single index or blended exposures with multiple indices, across US and international equities and bonds.
The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind.
T.T. Munger
Book a free consultation today.
LUMINARY WEALTH ADVISORS
1210 Bonner Street
McKinney, TX 75069
(P) 214.701.6590
Luminary Wealth Advisors 