Investment Management

Our Approach

3d-Wild-Money-Book-Cover-Stack-AWARD-300Finding the right fit when working with a financial professional is critical.  It’s important to understand what you need and who can best serve you.

At the center of the Lunaria Financial® approach is an innovative process that begins with discovery.  Using Luna’s Wild Money™ book and journal you will explore your relationship with money while addressing traditional financial planning activities such as cash flow management, debt reduction, estate and tax planning, insurance review and retirement projections.  

We differentiate ourselves by helping you identify core money strengths as well as areas that need shoring up.  A financial plan is a road map— it evolves with you, as your goals change, as health shifts or careers evolve.  It’s a process not a product.

The key is to identity what matters, plan for what might get in the way, and take small steps in the right direction often.  This way you are actively moving towards your dreams while living well in the process.

Full-service Portlfolio Management

We offer full-service, professional portfolio management for your investment and retirement accounts.

Annual fees for money management are based upon the assets under management and are charged quarterly in advance, and are taken from the portfolio assets.

The process of investment management will begin with the creation of a customized investment policy statement tailored to your unique circumstances followed by recommendations for and stewardship of your assets.

Your Investment Management includes

  • Customized Investment Policy Statement, tailored to your unique circumstances.

  • Recommendation of an appropriate asset allocation for your risk tolerance and time horizon.

  • Recommendation of specific managed accounts for your portfolio.

  • Assisting in the transfer of your accounts to a consolidated portfolio.

  • Purchase and sale of investments as needed and as agreed upon by you.

  • Monitoring of your portfolio on a regular basis.

  • Preparation of year-end tax statements for taxable accounts as needed.

  • Rebalancing your portfolio to remain consistent with your asset allocation.

Investment Solutions

We have scoured the crowded financial universe to provide the few, distinguished money managers that align with our values and needs.  We continue to review new opportunities, and present them to clients if and when they pass our due diligence process.

Lunaria Financial® focuses on your money, so you can focus on your life. That said, your assets are held in your name, with account activity reports sent directly to you from one of our independent custodian alliances, enabling you to remain in control of your wealth.

Our Strategic Partners

 kms financial

KMS, is an independent and privately owned securities broker-dealer and registered investment advisory firm based in Seattle, Washington that serves independent financial planning firms like Lunaria Financial®.  Since 1971, KMS has served thousands of investors through a network of experienced independent professionals.  KMS emphasizes compliance with the rules and guidelines of various regulatory bodies, including the Financial Industry Regulatory Authority (FINRA), the Securities Exchange Commission (SEC) and the 50 states. 

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(NASDAQ: SEIC) is a leading global provider of asset management,  investment processing, and investment operations solutions for institutional and personal wealth management.  Their strategic focus on active asset management is designed to manage investment risk and provide more consistent returns.

first affirmative

 

We partner with First Affirmative to offer sustainable, responsible, impact Investing for clients seeking to align investment decision-making with personal values and/or institutional missions.  We help clients invest in companies that contribute to a clean, healthy environment, treat people fairly, embrace equal opportunity, produce safe and useful products, and support efforts to promote a more peaceful world.

Custodians

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Lunaria Financial® focuses on your money, so you can focus on your life. That said, your assets are held in your name, with account activity reports sent directly to you from one of our independent custodian alliances, enabling you to remain in control of your wealth.

 

pershing

Lunaria Financial focuses on your money, so you can focus on your life. That said, your assets are held in your name, with account activity reports sent directly to you from one of our independent custodian alliances, enabling you to remain in control of your wealth.

Investment Strategy

At Lunaria Financial®, our investment strategy is guided by these principles:

Quality matters

Sticking with quality investments helps reduce risk and volatility.  The truth is the markets are messy and chaotic at times.  Companies with solid track records are more likely to perform well over time than those that throw caution to the wind.

Time in the market matters

Trying to find the perfect time to buy or sell is a crap shoot.  What studies have shown over and over is that those who stay invested outperform those who try to time the market by pulling money in and out. We focus on the long term for the best results.

Diversification rocks

There is no rhyme or reason as to when an asset class will outperform or underwhelm.  Allocating your dollars across a spectrum of investment options reduces risk in your portfolio.

Taxes impact returns

Your money is a sacred resource. Applying strategies to minimize taxes improves your net return and is simply a smart way to manage money.

Risk relates to returns

At the core, most people don’t want to lose money, yet to grow their investments they must tolerate some risk. This balance of risk to reward is a critical part of portfolio management.

Investment Management Fees

Maximum of 1-1.4% annually depending on which investment options you choose.

Investment Management minimum: $500,000.

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