For Individuals

Personal Financial Planning

We appreciate how hard you work for your money. And we believe that a solid plan is the foundation for financial freedom. Let us work together to make sure your money is working hard for you.

Retirement Planning

It is never too soon to start planning for the future. Let’s discuss your dreams and goals, and design a plan to get you there.

Estate Planning

There is no greater joy than to be able to leave financial security to your loved ones. If you would like to be able to do this, we can help. We can craft a plan that will give you peace of mind knowing that your loved ones are provided for financially.

Trust Services

You want to make sure that your financial resources are used appropriately. We can help you craft a plan to give you peace of mind and ensure that you can still help your loved ones financially.

For Businesses

Interim CFO

Sometimes your company needs a little assistance, and we can help. We offer interim CFO services to help navigate your company through financial waters. Working together, we will develop sound financial strategies to get your company to the top.

Forensic Accounting

There are times when your finances may need a closer look. At LFTA, we can methodically go through your accounts and prepare reports. We can get the answers you need.

Cash Flow Management

This is an excellent tool for business owners to use. We will analyze the money coming into and going out from your company. Together we will identify trends and changes and help adjust for future success.

Succession Planning

Every company, no matter what its size, needs to have a succession plan firmly in place. A succession plan will allow you to identify future leaders in your company to be trained and ready to go when the need arises. This gives you peace of mind knowing that your company will always be in more than capable hands.

New Business Formation

Ready to start up your new business? Let’s sit down and plan your strategy. We will walk you through the process of starting a new business. From forming your LLC to cash flow management to taxes, we will set you and your company up for success.

Hospitality Industry

Luminous found its roots in the hospitality industry. With over 20+ years of operational and financial management of nearly a dozen properties, Luminous can help individual owners manage their financials end to end.  

Our financial expertise and strategies have enabled us to navigate the Recession of 2007-2008 and the global COVID pandemic. Using our insight from experience, we can help you not only survive, but thrive in the post-Pandemic world. 

Luminous services for the hospitality sector are designed to help clients with every facet of ownership such as: 

• Business model analysis 

• Restructuring for revenue growth and profitability. 

• Due diligence support

• New property and franchise acquisition support

• Mortgage financing/refinancing

• Business financial health analysis

• Corporate strategy

Tax Center

Long Term Tax Strategy

Every business and individual can benefit from a long-term tax strategy. When you meet with us, we will look at what we can do to maximize your benefits. We will then map out the best strategy for you or your business. We will be sure that your tax obligations are met while keeping your best financial benefits at the forefront. Working together on your strategy will help you to be best prepared for the future.