Investment Accounts

Grow wealth with precision and purpose.

From managed portfolios to self-directed brokerage accounts, Lumina Vault gives you the tools, insights, and expert guidance to build lasting wealth.

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$4.2B

Assets under management

11.4%

Avg. managed portfolio return

2,400+

Active investment clients

18 yrs

Average advisor experience

Our Products

Investment accounts for every strategy.

Managed Portfolio

Our team of expert portfolio managers actively allocates your assets across equities, fixed income, and alternatives — tailored to your risk profile and goals.

Dedicated portfolio manager
Quarterly rebalancing
Tax-loss harvesting
Diversified across 12+ asset classes
Monthly performance reports

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Full Control

Commission per trade

Min. investment: $500

Self-Directed Brokerage

Trade stocks, ETFs, options, and bonds on your own terms. Access real-time data, advanced charting, and research tools from a single platform.

Commission-free stock & ETF trades
Options trading with low fees
Real-time market data
Advanced charting tools
Fractional shares available

Open Brokerage

Tax-Advantaged

Annual contribution limit

$23K

Min. investment: $0

Retirement Accounts

Maximize your retirement savings with Traditional IRA, Roth IRA, and SEP-IRA accounts. Benefit from tax-deferred or tax-free growth.

Traditional & Roth IRA
SEP-IRA for self-employed
Tax-deferred growth
Automatic contribution scheduling
Rollover assistance available

Open IRA

Strategies

Find your risk profile.

Our managed portfolios are built around four core strategies. Your advisor will help you select and blend the right approach.

Conservative

30% Equity / 70% Fixed Income

Low Risk

Capital preservation with steady income. Ideal for near-retirement or risk-averse investors.

Target annual return5–7%

Balanced

60% Equity / 40% Fixed Income

Medium Risk

A blend of growth and stability. Suitable for investors with a 5–10 year horizon.

Target annual return8–10%

Growth

80% Equity / 20% Fixed Income

Medium-High Risk

Aggressive growth through diversified equities. Best for long-term investors with higher risk tolerance.

Target annual return10–13%

Aggressive

100% Equity

High Risk

Maximum growth potential through concentrated equity positions and alternative assets.

Target annual return13–18%

Why Lumina Vault

Institutional-grade investing, made personal.

Expert Management

Our CFA-certified portfolio managers bring decades of institutional experience to every client portfolio.

Tax Optimization

Automated tax-loss harvesting and strategic asset location to minimize your tax burden year-round.

Real-Time Insights

Live portfolio tracking, market news, and AI-powered analytics accessible 24/7 from any device.

Transparent Fees

Simple, flat advisory fees with no hidden charges. You always know exactly what you're paying.