{"url":"https://nivawealth.com/firms/lumina-wealth-management-291548","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/291548","regulatoryAum":240235234,"crd":"291548","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4191484","suffix":null,"lastName":"DOYLE","firstName":"ASHLEY","middleName":"FUQUAY"},{"crd":"8189911","suffix":null,"lastName":"Kleinstuber","firstName":"Joshua","middleName":"Edward"},{"crd":"5346851","suffix":null,"lastName":"KOENIG","firstName":"MEREDITH","middleName":"HOWELL"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-16","regulatoryAum":136893403,"clients":143,"employees":4,"offices":1},{"filedOn":"2022-03-17","regulatoryAum":163470342,"clients":153,"employees":4,"offices":1},{"filedOn":"2023-06-26","regulatoryAum":152556850,"clients":151,"employees":3,"offices":1},{"filedOn":"2024-04-02","regulatoryAum":176519039,"clients":147,"employees":3,"offices":1},{"filedOn":"2025-05-01","regulatoryAum":196838119,"clients":158,"employees":3,"offices":1},{"filedOn":"2026-08-06","regulatoryAum":240235234,"clients":181,"employees":3,"offices":1}],"secFileNumber":"801-112277","legalName":"Lumina Wealth Management, LLC","displayName":"Lumina Wealth Management","slug":"lumina-wealth-management-291548","website":"https://luminawm.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/291548/a9a4e78d35669310-r1.webp","tone":"light","width":453,"height":200,"sourceUrl":"https://www.luminawm.com/","sourceLabel":"Lumina Wealth Management, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/lumina-wealth-management/","founded":null,"organization":"North Carolina limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1427 Military Cutoff Road, Suite 207","city":"Wilmington","state":"NC","stateName":"North Carolina","country":"United States","postalCode":"28403"},"tradeNames":[],"registration":{"secApproved":"8 December 2017","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":987100.6419753087,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":240235234,"discretionary":230852236,"discretionaryAccounts":594,"nonDiscretionary":9382998,"nonDiscretionaryAccounts":1,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":113,"regulatoryAum":29330169},{"label":"High-net-worth individuals","clients":49,"regulatoryAum":130580135},{"label":"Pension and profit-sharing plans","clients":1,"fewerThan5":true,"regulatoryAum":9382998},{"label":"Charitable organizations","clients":8,"regulatoryAum":27109132},{"label":"Insurance companies","clients":3,"fewerThan5":true,"regulatoryAum":36876257},{"label":"Corporations and other businesses","clients":7,"regulatoryAum":6956543}],"feePrograms":[{"role":"main","program":"Portfolio Management 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advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021519","versionId":1021519,"submittedOn":"2026-03-19","documentName":"LUMINA WEALTH MANAGEMENT, LLC BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:57:31.368531+00:00","documents":[{"name":"LUMINA WEALTH MANAGEMENT, LLC BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021519","versionId":1021519,"submittedOn":"2026-03-19"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":188395117},{"name":"Comerica","shortName":"Comerica","location":"Detroit, MI","smaAssets":21990193}],"custodyNote":"Lumina Wealth Management has custody of $26.8M in client assets for 47 clients.","otherCustodians":[],"leadership":[{"name":"Meredith Koenig","title":"Chief Compliance 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Also chief compliance officer in the 50% to 75% ownership band and a control person, since January 2024."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"North Carolina","offices":1,"addresses":[{"street":"1427 Military Cutoff Road, Suite 207","city":"Wilmington","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"910-599-9409","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)","Other"],"financialPlanningClients":"11-25","assetMix":[{"label":"Exchange-traded equity securities","percent":23},{"label":"U.S. government/agency bonds","percent":3},{"label":"U.S. state and local bonds","percent":5},{"label":"Investment grade corporate bonds","percent":2},{"label":"Derivatives","percent":8},{"label":"Securities issued by registered investment companies or business development companies","percent":35},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":2},{"label":"Cash and cash equivalents","percent":23}],"privateFunds":0},"sources":{"adv1FilingDate":"6 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/291548/PDF/291548.pdf","brochureDate":"19 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021519","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Lumina Wealth Management have?","answer":"Lumina Wealth Management has 181 clients and manages $240 million for them, as of August 2026. They include 113 individual clients, 49 high-net-worth individuals and 8 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 6 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Lumina Wealth Management offer?","answer":"Lumina Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Lumina Wealth Management charge?","answer":"Lumina Wealth Management charges up to 1.25% a year for its Portfolio Management Fees. The fee is billed in advance, is negotiable and has a $1,500 annual minimum.","source":"LUMINA WEALTH MANAGEMENT, LLC BROCHURE, filed 19 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Lumina Wealth Management use?","answer":"Lumina Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $188M and Comerica (Detroit, MI), with $22M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Lumina Wealth Management have?","answer":"Lumina Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Lumina Wealth Management invest in?","answer":"At the end of its last fiscal year, Lumina Wealth Management’s separately managed accounts held 35% registered funds (mutual funds, ETFs, BDCs), 23% exchange-traded equities, 23% cash and equivalents, 8% derivatives, 5% state and local bonds, 3% U.S. government and agency bonds, 2% investment grade corporate bonds and 2% pooled vehicles (private funds and similar).","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Lumina Wealth Management?","answer":"Lumina Wealth Management’s direct owners are Ashley Doyle (50% to 75%) and Meredith Koenig (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 6 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Lumina Wealth Management get paid?","answer":"Lumina Wealth Management is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Lumina Wealth Management?","answer":"Lumina Wealth Management’s main office is at 1427 Military Cutoff Road, Suite 207, Wilmington, NC 28403. Its phone number is 910-599-9409. Its website is luminawm.com.","source":"Form ADV Part 1A, Item 1.F, filed 6 August 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}