Flowchart showing estate distribution starting in 2026 with out of estate assets of $15.1M, joint holdings of $20.3M, and direct holdings of $3M. By Pat's death in 2046, out of estate reduces to $3.3M. By Sam's death in 2056, out of estate assets continue, with remaining assets divided between charity and taxes. The in estate total is $23.3M.
FOR WEALTH MANAGERS

Power more meaningful and informed client conversations

Luminary turns estate documents and asset data into AI-powered, source-backed insights, deterministic outcome models, and client-ready deliverables—helping your team deliver more proactive, personal, and sophisticated wealth-transfer guidance at scale.
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BNY
Focus Financial
Wealth Enhancement
Carson Wealth
Armanino
IEQ
SCS Financial
Sapient
Caprock
Pryor Cashman
Curi Capital
Ferguson Wellman
Vestgen
Gleneagles
New Republic
Truxton
Bragg
Copper Beach
Outrun Capital
Wealth Quest
Ohana
Coury
BNY
Focus Financial
Wealth Enhancement
Carson Wealth
Armanino
IEQ
SCS Financial
Sapient
Caprock
Pryor Cashman
Curi Capital
Ferguson Wellman
Vestgen
Gleneagles
New Republic
Truxton
Bragg
Copper Beach
Outrun Capital
Wealth Quest
Ohana
Coury

Why leading wealth managers use Luminary:

Expand your team’s capacity

Replace manual review and preparation with an automated workflow that gives advisors more time for advice.

Lead conversations that drive growth

Demonstrate the depth of your advice proactively, deepen relationships, and create opportunities to win and retain business.

Bring clarity to complex client conversations

Use dynamic visualizations to make ownership, tax impact, and distribution outcomes easier for clients to understand.

Deliver consistency across every client

Give every advisor a repeatable way to create polished, firm-branded materials at the same high standard.
Estate360
Luminary Insights
Estate Waterfall
Estate360

Generate a complete estate overview in minutes

Estate360 uses AI to turn client documents into a customizable, firm-branded presentation—bringing family, fiduciary, and distribution details together with no manual data entry.
Screenshot of Estate360 interface showing an option to generate Estate360 presentation with documents titled Sam Young Health Care Directive, Young Family Trust Summary, and Power of attorney, and a partial view of estate summary for Sam & Pat Young by Berkeley Place Advisors, including a family tree and pie chart.
Luminary Insights

Uncover the opportunities that matter

Luminary Insights surfaces planning considerations from client documents, with source citations and review controls so your team can identify, validate, and prioritize discussion topics with confidence.
A digital interface displays three sections titled Missing documents, Concerns, and Opportunities. The Missing documents section highlights a critical issue of missing power of attorney, explaining that without it, someone trusted may not manage finances if the user can't. The Concerns section notes a critical and basic planning issue about residing in a different state from estate documents, potentially causing legal complications. The Opportunities section suggests setting up annual exclusion gifting to transfer a specified amount per recipient yearly as gift and estate tax relief.
Estate Waterfall

Turn complex plans into high impact visualizations

Use the Estate Waterfall to clearly illustrate ownership, tax impact, and distributions. Model hypothetical scenarios, test assumptions in real time, and share an interactive view with clients and collaborators.
Flowchart showing financial trusts and estates as of 2026, with Sam Young owning $3.2M and Pat Young $4.5M; after Pat's death in 2036, Sam Young's assets grow to $7.7M. Family estate valued at $7.4M includes Young Children's Trust $5.2M and GST Exempt Descendants Trust $2.2M. Charity estate valued at $1.2M; combined out of estate at $8.6M with Young Children's Trust $10.2M and GST Exempt Descendants Trust $2.2M.
Screenshot of Estate360 interface showing an option to generate Estate360 presentation with documents titled Sam Young Health Care Directive, Young Family Trust Summary, and Power of attorney, and a partial view of estate summary for Sam & Pat Young by Berkeley Place Advisors, including a family tree and pie chart.
A digital interface displays three sections titled Missing documents, Concerns, and Opportunities. The Missing documents section highlights a critical issue of missing power of attorney, explaining that without it, someone trusted may not manage finances if the user can't. The Concerns section notes a critical and basic planning issue about residing in a different state from estate documents, potentially causing legal complications. The Opportunities section suggests setting up annual exclusion gifting to transfer a specified amount per recipient yearly as gift and estate tax relief.
Flowchart showing financial trusts and estates as of 2026, with Sam Young owning $3.2M and Pat Young $4.5M; after Pat's death in 2036, Sam Young's assets grow to $7.7M. Family estate valued at $7.4M includes Young Children's Trust $5.2M and GST Exempt Descendants Trust $2.2M. Charity estate valued at $1.2M; combined out of estate at $8.6M with Young Children's Trust $10.2M and GST Exempt Descendants Trust $2.2M.

Hear from Luminary users

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"We've flipped it. Before, we were spending more time grinding through documents. Now we're spending that time speaking with the client, working with their estate counsel, and thinking about what's changed in their life or their philanthropic goals."
Jefferson Jewell
Chief Operating Officer, Caprock
Read the Case Study

Frequently Asked Questions

Answers to the questions we hear most from wealth management firms and RIAs. If your question isn’t here, we’ll answer it directly.
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Does Luminary provide legal advice?
No. Luminary does not offer document drafting or other legal services. We help wealth managers be more proactive in starting meaningful conversations with clients, and prepare their clients for more productive engagements with the legal and tax advisors of their choosing.
Does Luminary work with our existing systems?
Yes. Luminary integrates with leading portfolio reporting and financial-planning systems, including eMoney, Orion, Addepar, and Black Diamond, helping keep asset values and planning data aligned. We also integrate with Salesforce and Snowflake.
Can we use Luminary with prospects?
Yes. Luminary can create meaningful analysis from partial inputs, such as a balance sheet and trust summaries, giving your team a clear visualization of a prospect’s plan and a more compelling way to demonstrate your planning approach.
How does Luminary meet enterprise grade security requirements?
We offer customer managed encryption keys and options for customers to operate AI workloads using their own AI model provider tenants. We also have robust user level permissions and controls provisioned with SCIM.
Does Luminary AI train models with client data?
No. Neither Luminary nor our model provider partners train on client data, and our AI does not retain any data after workloads are processed.
Do advisors need deep estate planning expertise to use Luminary?
No. Luminary offers different license types for generalists and specialists. We also have robust administrative controls which enable firms to customize and lock the user experience to suit their team and client objectives, ensuring consistency and compliance.