# Luma Financial

> Luma Financial is a state-registered investment advisory firm in Acton, MA, registered since 2021, reporting under $25 million in regulatory assets under management in its Form ADV filing dated September 2, 2026.

- CRD: 315033
- Filed as: LUMA FINANCIAL
- Legal name: Luma Financial LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Acton, MA
- Filing period: October 2026
- Form ADV filing dated: September 2, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/315033
- AdvisorCensus page: https://advisorcensus.com/firm/luma-financial-acton-ma-315033

## Quick answers

**How is Luma Financial compensated?**
On its Form ADV (Item 5.E, October 2026), Luma Financial reports these compensation arrangements: a percentage of assets under its management.

**Where is Luma Financial located?**
Luma Financial's principal office is in Acton, MA, according to its Form ADV.

**Is Luma Financial registered with the SEC or a state?**
Luma Financial is a state-registered investment advisory firm, registered since 2021. Status as filed: APPROVED. CRD 315033.

**How much does Luma Financial manage?**
Luma Financial reports $7,474,569 in regulatory assets under management in its Form ADV filing dated September 2, 2026 (100% discretionary).

**What types of clients does Luma Financial serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (7); high net worth individuals (4).

**Does Luma Financial report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/315033

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Regulatory assets under management (Item 5.F)
- Total: $7,474,569
- Discretionary: $7,474,569
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 7 | $2,221,011 |
| High net worth individuals | 4 | $5,253,558 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2021 (5 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, LA, MA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- lumafinance.com
- LinkedIn @LUMAFINANCE

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Luma Financial (CRD 315033): Form ADV filing data as of October 2026.