Clear Direction. Clear Future.

Our tagline, Clear Direction Clear Future, is our commitment to deliver financial advice in a way that brings clarity to the daunting process of setting and accomplishing your financial goals.  Since we have no ties to a large brokerage firm, we custom-tailor a plan for your unique situation.  We are free to deliver financial solutions that best meet your needs, with no hidden fees.

Another thing that makes us different is that our team includes a Certified Financial Planner™ practitioner, and an Accredited Investment Fiduciary™ practitioner.  This commitment to formal training and unbiased thinking supports our focus to do what is most important to you, and avoid conflicts of interest.

Who We Serve

Business Owners and Executives

Business owners often face unique challenges when it comes to retirement. They often focus their time and money on building their business, rather than on creating a personal financial plan. Here are several practical steps that business owners can follow to establish a successful financial plan.

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401(k) Plan Sponsors

Offering a retirement plan can be one of the most challenging, yet rewarding, decisions an employer can make. The employees participating in the plan, their beneficiaries, and the employer benefit when a retirement plan is in place. Administering a plan and managing its assets, however, require certain actions and involve specific responsibilities.

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People Near Or In Retirement

If you are already retired or nearing retirement, your financial goals and objectives take on a more urgent focus. There are crucial decisions to make that can affect your happiness in the next few years and your financial security later in life. This is the time when your teamwork in saving and communicating can pay off in a retirement that is satisfying and meaningful for you and your family.

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Expertise You Can Rely On

Thank you for visiting our site. Since 2000, we have managed investments for employer-sponsored retirement plans - such as 401(k) – as well as individual investors.

Our tagline, “Clear Direction…Clear Future,” is our promise to deliver financial advice in a way that brings clarity to planning for a retirement that is both rewarding and realistic.

We are not like most other firms. We are independent, with no ties to a large brokerage firm that might conflict with our focus on putting you first.

Another thing that makes us different, is that our team includes a CERTIFIED FINANCIAL PLANNER™ practitioner, and an ACCREDITED INVESTMENT FIDUCIARY™ practitioner. We are free to deliver financial solutions that best meet your needs…with no hidden fees.

With no advertising campaign, we rely on quality service, and “word of mouth,” to grow our business. Meaning, you won’t be treated like just another number, and there is no corporate bureaucracy when you need an answer.

Through this site, we welcome you to learn about our approach to serving retirement plans and investors.

Meet The Team

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Contact Us

You work hard, and life’s been good to you. You’re planning ahead, and want to know you’ll have the resources you need to provide the lifestyle you want – for you, and your family. We’ll help keep you on the right path by combining wealth planning with sound investing, designed to preserve what you have, while achieving what you want.

Let's Work Together

Lumin Financial

2000 Town Center Suite 1825
Southfield, Michigan 48075
Phone: (248) 936-9480
Fax: (248) 208-7147
Hours: Monday – Friday 8:00 AM – 5:00 PM (EST)

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Investment Updates

Investment advisory services offered through Lumin Financial LLC, which is an independent Registered Investment Adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed on this site.


Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.