Luminate Financial Planning is an independent, fee-only financial planning and investment advisory firm based in Sterling, Virginia, serving clients in Northern Virginia. The firm helps individuals and families make informed decisions about their financial futures through collaborative, ongoing planning designed to replace uncertainty with confidence. Its services include wealth management, financial planning, and investment advice, with an emphasis on tax-efficient investment and withdrawal strategies and a transparent fee structure.

Luminate works with clients who want to provide for themselves and their families and value unbiased guidance. The planning experience is presented as a partnership: clients and their adviser work together to develop a practical plan suited to their goals and circumstances. The firm is led by Alyssa Lum, MBA, CFP®, who invites prospective clients to schedule a complimentary introductory appointment.

Luminate Financial Planning is registered in the state of Virginia and provides access to regulatory disclosures, privacy information, and accessibility details. The firm’s stated approach is to simplify financial decisions, empower clients, and illuminate a path toward their goals