One clear plan for your whole financial life.
Fee-only financial planning for business owners, employees with equity compensation, and high-net-worth individuals with complex financial lives, with an advisor who sits on your side of the table.
Brian Luhman, CFP® · Fee-only · Fiduciary
Hi, I'm Brian. This is Luhman Wealth Partners.
I started LWP after years at a multi-family office, where my whole job was to see the full picture for families with an attorney, a CPA, a trustee, and an investment team, and to make sure every decision fit. Most people never get that kind of planning. I think they should, and I built this firm to do it for people whose money has gotten complicated: a business, an equity grant, an inheritance, or all of it at once.
Here's what we do. One plan for everything with a dollar sign on it, a flat planning fee paid only by you, and an advisor who knows you, sees the whole picture, and helps you actually get it done. No commissions, no product sales. We're a boutique firm in Orange County, and we sit on your side of the table.
Which of these sounds like you?
Business owners
Most of your wealth is still inside the business. We help you make it work for you: how you're paid, the retirement plan, and what a sale would actually leave you.
MoreEmployees 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, keep, and when.
MoreInheritors and trustees
A trust or an estate that arrived with a trustee, an attorney, and a CPA already attached. We work for you: what you have, what you can ask for, and what to do first.
MoreFrom a first conversation to a plan you can act on.
We help you get clear on what matters most, align your money with it, and then actually get it done. An intro call, two meetings about your life, then the roadmap and a plan review. Most clients go from the first call to a finished plan in about two months.
Then we put it to work. We keep the plan current as life changes.
Why work with Luhman Wealth Partners
Paid only by you
No commissions, no product sales, no referral fees. That takes most of the conflicts of interest out of the advice.
Your best interest, at all times
We always act in your best interest, and it's in the agreement. Fee-only and fiduciary aren't the same thing. We're both.
Clear, transparent fees
A flat planning fee set to match your situation, not your account balance. Investment management is a separate flat rate. Both are quoted in writing before we start.
One plan, every moving part
Business, equity, tax, investments, insurance, and estate, in one plan. If it has a dollar sign on it, we want to be part of the decision.
We see what's coming
Most financial decisions have a deadline. We keep track of what's coming so they get made in time, not after the fact.
No rotating team
No call center. You'll know everyone who works on your plan.
Six months in, this is what's different.
You have clarity.
You know where you stand, what matters most, and what happens next, in the right order.
Nothing falls through the cracks.
The return, the estate plan, the insurance, the investments, and how they fit together. Decisions get made before the deadline, with the tax cost known in advance.
You have a partner who already knows you.
When something comes up, you're not starting from scratch. You call someone who knows your situation and what you're working toward.
You don't have to do it all on your own.
We coordinate with your CPA and attorney, keep the list moving, and help you execute.
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 flat rate, no tiers.
Quoted in writing before we start. Paid only by you: no commissions, no product sales, no referral fees.
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, virtually, no prep, no pressure. You tell us what's going on. We tell you whether we think it's a good fit and what it would cost. If it isn't, we'll help you find the advisor who is.
Do I need to be in Southern California?
No. We meet with clients nationwide virtually. If you're in Southern California, whether that's Newport Beach, Corona del Mar, Irvine, Laguna Beach, or anywhere between Los Angeles and San Diego, we can meet in person.
Is there a minimum?
No. Planning is a flat fee at any asset level, and investment management is optional.
How are you paid?
Only by you. A flat planning fee quoted in writing, plus an optional 0.50% if we manage your investments. No commissions, no product sales, no referral fees.
Why a flat planning fee?
Because the planning is the work, and most of our clients' complexity sits in a business, an equity grant, or a trust rather than in a brokerage account. So the planning fee is a flat retainer, set to match your situation. If we also manage your investments, that's a separate 0.50%, and it's optional.
Your next step
Start with a quick intro call. No pressure. You tell us what's going on, we tell you how we work, and we both find out whether it's a good fit. If we're not the right fit, we'll help you find the advisor who is.
Book an intro call