Fee-only adviser · Modesto, CA
Luminary Financial Planning
Luminary Financial Planning is a fee-only investment adviser registered with the securities regulator of California, with its main office in Modesto, California. On its latest Form ADV, filed January 14, 2026, it reports $27M in regulatory assets under management, 24 individual clients and 1 employee who gives investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | State-registered: California |
|---|---|
| Firm CRD number | 169270 |
| Office | 2712 Marlboro Place Modesto, CA 95355 |
| Phone | (209) 606-7289 |
| Website | www.luminaryfinancialplanning.com |
| Regulatory assets under management | $27M |
| Individual clients | 7 non-high-net-worth, 17 high-net-worth |
| Financial planning clients | 26-50 |
| How it charges | Percentage of assets, Hourly, Fixed fee |
| Services | Financial planning, Portfolio management |
| Employees | 1 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | January 14, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- It also charges a percentage of assets managed for ongoing investment management.
- Most of its individual clients are high-net-worth, which on Form ADV means they meet the SEC’s qualified-client or qualified-purchaser test: broadly, more than $1 million managed by the adviser or a net worth above $2 million, with the thresholds indexed for inflation.
- It provides financial planning services, not only portfolio management.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
Other fee-only advisers in Modesto
- Mraz and Associates $917M
- Crawford Financial Planning & Consulting $172M
- Arrowhead Wealth Management Corp. $31M
See all 4 fee-only advisers in Modesto →
Nearby
Comparing several firms? Tell us what you need and we will suggest fee-only advisers that fit. Work at Luminary Financial Planning? Update this listing.