One clear plan for your whole financial life.
Fee-only financial planning for business owners, tech employees with equity compensation, and high-income individuals with complex finances, with an advisor who sits on your side of the table.
Brian Luhman, CFP® · Fee-only · Fiduciary
Hi, I'm Brian, and this is Luhman Wealth Partners.
You have a lot going on financially, and every piece of it is really a decision about the life you want to live. Somebody should be looking at all of it at once. That's us.
We help you get clear on that life, build one plan with you to get there, and handle the coordination so you're not carrying it alone. One clear planning fee, paid only by you. No commissions, no product sales. Boutique by design, in Orange County.
Clarity on your money, and on what comes next.
We work with people whose finances have outgrown a simple answer, and who want a partner to help them see the whole picture and know what to do next. The people we work with tend to fall into one of these four groups.
Business owners
The business is your biggest asset and your biggest question mark. We plan your pay, your retirement outside the company, and the exit, years before it happens.
MoreTech employees with equity compensation
RSUs, ISOs, and too much of your net worth in one stock. We read the grant documents, model the tax, and decide with you what to sell, what to keep, and when.
MoreInheritors and trustees
Whether you received the trust or you're in charge of it, the rules are unfamiliar and the stakes are high. We help you understand the documents, your options, and your next step.
MoreHigh-income individuals with complex finances
You've done well, and you want to make the most of it. We help you keep moving in the right direction, with a plan that puts your money to work toward what you want.
More
Why work with Luhman Wealth Partners
Paid only by you, in your best interest
Luhman Wealth Partners is a fee-only financial planning firm and a fiduciary at all times. We're paid only by our clients, with no commissions and no product sales. Fee-only and fiduciary aren't the same thing. We're both.
Planning built for complex wealth
Before starting the firm, Brian spent years at a multi-family office planning for some of the wealthiest families in America. That's the standard we bring to your business, your equity, or your inheritance.
One clear planning fee
One clear planning fee, set to match your situation. Optional investment management is a separate 0.50% of assets a year.
One coordinated plan for every moving part
One coordinated plan for your business, your equity compensation, your taxes, your investments, your insurance, and your estate, built alongside your CPA and attorney.
Tax, planned before April
Your CPA files the return. We plan the year it reports on: a mid-year projection, year-end moves, and last year's return read line by line.
No call center, no rotating team
A boutique firm in Irvine, California, serving Southern California in person and clients nationwide virtually. Small on purpose, so your plan gets real attention.
Clear, transparent fees.
A complete plan, then it's yours
One engagement with follow-up help built in. Good for a second opinion, a big decision, or making sure you're on the right track.
A planner in the loop all year
Planning, tax, and equity decisions all year, at a flat fee set to match your situation.
Investment management
Added to the planning fee if you'd like us to run the portfolio too. One rate, no tiers.
Questions people ask first
The short answers. The full list is on the FAQ page, and the intro call is the place for the rest.
All questionsWhat's the first call like?
Thirty minutes over Zoom, or by phone if you prefer. It's a chance for us to get to know each other: we learn about your situation, and you ask whatever you want about how we work with clients. No sales pressure and no decision to make on the call. It's information gathering and finding out whether we're a mutual fit. If we're not, we'll happily help you find an advisor who is.
Do I need to be in Southern California?
Not at all. Most of our work happens virtually, and we serve clients nationwide. If you're local to Southern California (Newport Beach, Corona del Mar, Irvine, Laguna Beach, or anywhere from Los Angeles to San Diego), in-person meetings are an option too.
Do you have an investment minimum?
No. We believe everyone should have access to high-quality financial planning, no matter how much they have to invest. That's why we charge a flat planning fee, with investment management as an optional add-on.
How are you paid?
By you, and nobody else. A flat planning fee, and an optional 0.50% a year if you'd like us to run the portfolio. No commissions, no product sales, no one else paying us, so the advice comes with as few conflicts of interest as possible. See our fees.
Why a flat planning fee?
Because we believe everyone should have access to high-quality financial planning, no matter the size of your investment accounts. Most traditional wealth management firms are built around the assets they manage, and they're designed to give the best service to the clients with the most assets to manage. That leaves out people with complex finances but few traditional assets: business owners whose net worth is tied up in the business, or professionals whose net worth sits in restricted stock units or private company stock. They still need sophisticated planning. So we charge a flat fee for the planning, regardless of assets, with the option to add investment management if you'd like us to run the portfolio and coordinate it with your plan.
Your next step
Start with a quick intro call. No pressure. You tell us what's going on, and we tell you how we work. We both find out whether it's a good mutual fit. If we're not the right fit, we'll help you find an advisor who is.
Book an intro call