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Services that Fit Your Needs

Offering a Full Gamut of Financial Services 

At Lumiere, we believe in providing financial services entirely customized to your needs. For this reason, we offer a range of options to suit the varying life chapters, goals and preferences of our clientele. 


Fee-Based Financial Planning


Gold Fee-Based Financial Planning New York, NY Lumiere Financial Group

Gold

For those looking for a clear plan & access to guidance as needed

More About Gold

Platinum Fee-Based Financial Planning New York, NY Lumiere Financial GroupPlatinum Fee-Based Financial Planning New York, NY Lumiere Financial Group

Platinum

For those seeking to delegate their wealth management

More About Platinum

Diamond Fee-Based Financial Planning New York, NY Lumiere Financial GroupDiamond Fee-Based Financial Planning New York, NY Lumiere Financial GroupDiamond Fee-Based Financial Planning New York, NY Lumiere Financial Group

Diamond

For individuals with highly complex financial needs

More About Diamond


Wondering Which Package is Right for You?

Compare Each Package




How It Works

Initial Meeting

In this complimentary meeting, we’ll mutually determine if we’re a fit by understanding what you’re looking for and explaining who we are and how our services work. We’ll also look at your current financial data and discuss your goals and aspirations.

Data Confirmation

At this time, we’ll confirm the data from our first meeting, ensuring that we have the most accurate understanding of your financial circumstances, responsibilities, and objectives.

Plan Presentation & Implementation

After developing our recommendations, we’ll present the details of our plan, including several alternatives. We’ll demonstrate the implications of each and model your current strategy versus the proposed new ones.* Once we’ve established the plan you’d like to go with, we will take the necessary steps to put it into place.


Follow-Up

In this meeting, we’ll check in to confirm how often we’ll meet moving forward, your preferred method of communication, and any follow-up action items.

Ongoing Review

Throughout the year, we’ll always be reviewing your assets under management (if part of your plan), but we’ll also have formal meetings to go over your progress, discuss any personal or business changes, and make adjustments to your strategy if need be.

Six Areas of Financial Planning New York, NY Lumiere Financial Group


Wealth Management


As an independent investment adviser, we have the ability to select investment solutions from many third-party managers, as well as construct portfolios ourselves. We build diversified multi-asset portfolios of world class investment strategies with you in mind (*only for >$1,000,000). Our portfolio construction process starts with you. We believe that the “best portfolio” is the one that is best optimized to solve for your personal investment objective and risk tolerance level. 

Our investment framework is built on our macro economic outlook, asset class expectations, current market outlook, investment analysis and risk management processes. All of our research and due diligence is expressed in the investment recommendations made to you. We do not use model portfolios, instead, we create a customized portfolio that is designed around what is important to you. We can choose the custodian that suits your needs. However, our preferred custodian is Charles Schwab.


Our Custodians


Charles Schwab Logo  New York, NY Lumiere Financial Group

Schwab

Fidelity Investments Logo  New York, NY Lumiere Financial Group

Fidelity (NFS)




How It Works

Initial Meeting

We will discuss your level of investment knowledge. It is fine if you are a beginner or a seasoned investor. We will learn about you, your story, and your investment objectives. It fascinates us to learn how you have accumulated your wealth, and it also helps from a planning standpoint, to understand if there are any tax considerations. Some clients are sensitive to aligning their investments with their morals. Examples of this are investing in impact or ESG funds or having a socially responsible overlay. We will work with you to determine your risk tolerance and time horizon. We will also take into account tax considerations: such as tax loss harvesting, ISOs, NQSOs, or RSUs. 


Portfolio Presentation

We will present a proposed portfolio and asset allocation. We will discuss the manager selection, tell you why we selected the different strategies, review performance, and philosophy. If you asked us to have an ESG or SRI overlay, we will discuss how that will impact your hypothetical returns. We can also discuss overweighting causes you prioritize. Depending on the level of granularity that you may want, we can also walk you through the statistics and what that means for your portfolio returns. 

Client Commitment Meeting

We will start this process by reviewing the allocation of the various positions, recapping the last meeting, and addressing any questions that may have arisen between our last meeting and this meeting. You will be given your point of contact for your portfolio and how to get in contact with them. We will end the meeting by completing e-applications to open your accounts and to get the funds transferred from your current institution to our custodian, either Schwab or Fidelity (NFS).


Monitoring and Review Meetings

Now that we went through this process, this is just the beginning of the journey. We will have regularly scheduled review meetings and calls to review your investments, changes to your financial or overall situation, and our changes to your portfolio. All of our managed account solutions are discretionary portfolios, meaning that we will trade these accounts as often as we need to by way of a limited power of attorney (LPOA). This LPOA is for trading authority only. Your fee will not change no matter how many trades we complete. 


Insurance Solutions


We work with multiple carriers and shop each of these companies for the best rate and the best product offering. Our process together can range from a simple online term application to a complex process for premium financing or variable cases. 

What We Offer 

Life

Annuity

Disability

Long-Term Care

Review of P&C and Malpractice




Carriers We Work With 

Ameritas Logo  New York, NY Lumiere Financial Group

Equitable Logo  New York, NY Lumiere Financial Group

Guardian Logo  New York, NY Lumiere Financial Group

Mass Mutual Logo  New York, NY Lumiere Financial Group

National Life Group Logo  New York, NY Lumiere Financial Group

Penn Mutual Logo  New York, NY Lumiere Financial Group

Prudential Logo  New York, NY Lumiere Financial Group

Nationwide Logo  New York, NY Lumiere Financial Group

A I G Logo  New York, NY Lumiere Financial Group

Jackson National Life Insurance Company Logo  New York, NY Lumiere Financial Group

Brighthouse Financial Logo  New York, NY Lumiere Financial Group


Get a Quote From Ameritas 



Helping Forward-Thinking People Enjoy Today While Preparing for Tomorrow

Let’s see how we can work together.

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