Ram Ahluwalia has been President and Chief Compliance Officer of Lumida Wealth Management since August 2022, is a control person of the firm and directly owns under 5% of it. Ram Ahluwalia holds a BA in Philosophy and Economics from Columbia College.
Lumida Wealth Management LLC is a Wayne, NJ firm with $133M under management, 44 clients and 4 advisers across 2 offices, as of its March 2026 filing.
Ram Ahluwalia is Founder and CEO of Lumida Wealth Management. He was CEO of PeerIQ, which was acquired by Cross River Bank, went on to build Cross River's digital assets program, and held executive roles at Bank of America and Merrill Lynch. He has 20+ years of experience in management and investments.
- Lumida Wealth Management LLCCurrent– present · 3 yearsWayne, NJ · Adviser representative · Firm CRD 323410
Professional designations
Listed by Lumida Wealth Management
- Chartered Financial Analyst (CFA®)
Investment adviser representative registrations
Ram Ahluwalia is registered as an investment adviser representative in 3 states. The first approvals date from July 2023; the most recent is New Jersey, in June 2025.
- New JerseySince 5 June 2025
- New YorkSince 3 July 2023
- TexasSince 5 March 2025
Examinations
| Exam | Name | Passed |
|---|---|---|
| Series 3 | National Commodity Futures Examination | 19 September 2014 |
- Name
- National Commodity Futures Examination
- CRD
- 6130405
- Firm
- Lumida Wealth Management · CRD 323410
- Role
- President and Chief Compliance Officer
- Office
- 1200 PREAKNESS AVENUE, SUITE B1200, Wayne, NJ 07470
- Registration
- Investment adviser registration
- In the industry since
- July 2023
- Disciplinary history
- Not yet shown here · SEC record
- Firm bio
- lumidawealth.com
Where does Ram Ahluwalia work?
Ram Ahluwalia has been President and Chief Compliance Officer of Lumida Wealth Management LLC since August 2022, and is a control person of the firm.
Is Ram Ahluwalia a financial advisor?
Yes. Ram Ahluwalia has a current investment-adviser registration in New Jersey, New York and Texas, through Lumida Wealth Management since July 2023.
How many years of experience does Ram Ahluwalia have?
Ram Ahluwalia has 3 years in the financial industry, since July 2023, across 1 adviser firm.
What exams has Ram Ahluwalia passed?
Ram Ahluwalia passed the Series 3 in September 2014.
Where is Ram Ahluwalia based?
Ram Ahluwalia’s registered office is in Wayne, NJ.
Is Ram Ahluwalia registered with FINRA?
No. Ram Ahluwalia has no current broker registration.
Is Ram Ahluwalia a CFA charterholder?
Lumida Wealth Management lists Ram Ahluwalia with the CFA credential (“Chartered Financial Analyst (CFA®)”) on its website. CFA Institute confirms certification status.
How can I verify Ram Ahluwalia’s record?
Search CRD 6130405 on the SEC’s adviser search (adviserinfo.sec.gov), which publishes Ram Ahluwalia’s full registration record.