Luminary

What Luminary does

Luminary Platforms, Inc. is a New York-headquartered, Delaware-incorporated SaaS company founded in 2022 that builds an AI-powered estate planning platform for wealth advisors, RIAs, family offices, and professional services firms serving high-net-worth clients. The platform ingests static estate planning documents (trusts, wills, operating agreements, amendments) and converts them into structured digital records via its proprietary document intelligence engine, then layers on Estate360 automated client-ready reports, dynamic estate waterfall visualizations, scenario modeling (including GRATs, SLATs, IDGTs, valuation discounts, and hypothetical what-if analyses), and Luminary Insights that surface planning opportunities and flag missing documents. Native AI capabilities include NLP-based summarization, semantic search, generative summaries, and predictive insights, with human-in-the-loop workflows and a claimed extraction accuracy above 90%.

The product is delivered in three annual subscription tiers — Luminary Go (entry-level, launched May 2025), Luminary Pro (advanced modeling), and Luminary Enterprise (multi-advisor teams, advanced security, CRM and portfolio integrations) — sold through a direct enterprise field sales motion targeting wealth advisors, family offices, and professional services firms. The platform integrates with eMoney Advisor, Addepar, Black Diamond, Microsoft Dynamics 365, and Snowflake Data Sharing, and is SOC 2 Type II certified. Luminary has raised approximately $9.5 million in a disclosed SEC Form D filing (February 2023), with a subsequent round (April 2024) led by 8VC, Focus Financial Partners, and Rockefeller Capital Management — the latter two being strategic customers that double as distribution channels. Operating geography is restricted to the United States per the Terms of Service.

Name

Luminary

Legal name

Luminary Platforms, Inc.

Website

https://withluminary.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Luminary is an AI-powered SaaS estate planning platform serving wealth advisors, RIAs, family offices, and professional services firms. It digitizes static trust and estate documents into structured records, automates client-ready reports, and enables scenario modeling for high-net-worth client engagements.

Ownership category

akta.pro rank

Product category

Estate Planning Software

NAICS

Software Publishers (513210)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)

akta.pro secondary industries

Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Estate Inventorying, Cataloging & Documentation (HSAFAFAF)

Keywords

• Estate planning software
• AI document analysis
• Trust administration tools
• Wealth advisory technology
• Estate visualization software

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. SaaS Subscription: Subscription-based SaaS model with tiered pricing (Luminary Go, Pro, Enterprise) providing access to the estate planning platform. Fees billed annually per Order Form with 30-day payment terms.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

Luminary operates a cloud-based AI-powered estate planning SaaS platform that transforms static trust, will, and estate documents into organized digital records, enabling wealth advisors to summarize documents, visualize estate plans via waterfall diagrams, run scenario and what-if analyses, and generate firm-branded client-ready presentations. The platform is sold via three subscription tiers (Luminary Go, Pro, Enterprise) to wealth advisors, RIAs, family offices, and professional services firms serving high-net-worth clients, with features including an AI document intelligence engine, automated tax calculation, and integrations with eMoney, Addepar, Black Diamond, and Snowflake.

Product overview

Luminary is a cloud-based AI-powered estate planning platform delivered as a SaaS product with three subscription tiers (Luminary Go, Luminary Pro, Luminary Enterprise). The platform consists of interconnected modules including Luminary AI (document intelligence engine), Estate360 (automated client report generator), Analysis (scenario modeling and strategy tools), Visualizations (waterfall diagrams), Insights (AI-surfaced planning opportunities), and Prospecting (advisor tools for new client engagement). Additional feature modules include Presentation Builder, Estate Planning Balance Sheet, Gift Analysis Tool, Hypothetical Estate Waterfall, and Valuation Discounts. These modules share a common client data foundation and system of record, allowing documents uploaded to Luminary AI to feed into analysis, visualization, and reporting workflows. The platform targets wealth advisors, family offices, and professional services firms (estate attorneys, trust companies, CPA firms) serving high-net-worth clients.

Differentiator

Problem solved

Functional benefit

Brands

• Luminary Go: New accessible product tier for AI-powered estate planning technology designed for advisors across all firm sizes.
• Luminary Pro
• Luminary Enterprise
• Estate360
• Luminary AI

Products and services

• Luminary Go Entry-level subscription product tier of Luminary's estate planning SaaS, providing accessible AI-powered capabilities to transform static estate documents into dynamic, client-ready deliverables. Targeted at advisors across all firm sizes as a starting point for AI-powered estate planning, including document summarization, balance sheet building, and strategy comparison tools.
• Luminary Pro Advanced subscription product tier of Luminary's estate planning SaaS, providing deeper modeling, analysis, and strategy tools for advisors who require capabilities beyond the Luminary Go essentials.
• Luminary Enterprise Enterprise subscription product tier of Luminary's estate planning SaaS, delivering advanced security, scale, and support built for complex multi-advisor teams, with the highest level of security and compliance standards and integrations with CRMs and portfolio systems.
• Luminary AI AI-powered document intelligence product that summarizes and digitizes trust, will, operating agreement, and amendment documents; answers natural language questions about document content; and extracts structured data for ongoing modeling, reporting, and planning. Reduces initial document review time by up to 80%.
• Estate360 Automated estate report generator that transforms uploaded client documents (wills, trusts, POAs, healthcare directives, operating agreements) into comprehensive, firm-branded, client-ready presentations with zero manual data entry in a single click.
• Analysis Estate planning analysis and modeling module that enables scenario comparison, what-if analysis, estate balance sheet building, gift tracking, and quantification of advanced planning strategies including GRATs, SLATs, IDGTs, and valuation discounts.
• Visualizations Dynamic estate waterfall diagrams and visualization module that maps how entities distribute, quantifies estate tax liabilities with automated state and federal calculations, and projects future outcomes under different growth and exemption scenarios.
• Insights AI-powered module that automatically surfaces strategic planning opportunities, flags potential concerns, and identifies missing documents from uploaded client estate documents and household data, with each insight linked to source document citations.
• Prospecting Financial advisor prospecting module that creates client-ready estate planning presentations from minimal net-worth input, enabling advisors to demonstrate expertise and differentiation from the first meeting.

Quantifiable outcome

• Reduce client case preparation time by up to 80%
• +4 more outcomes

Named customers14 records

Segments1 record

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability8 records

Feature6 records

Partnerships

One partnership is on record.

• eMoney AdvisorcoreTechnology or Integration · 21 October 2025eMoney Advisor integrated Luminary into its API ecosystem as part of its developer platform launch. Luminary's API-based integration enables financial firms to connect estate planning capabilities with eMoney's financial planning platform. Process billions of API calls annually for over 100,000 financial professionals.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Wealth.com: Direct estate planning platform competitor, also recognized in the 'Summiteers' tier of the 2026 Oasis Group Peaks Report. Competes head-to-head with Luminary for enterprise RIA and family office accounts with overlapping AI document intelligence and reporting capabilities.
• Vanilla: Direct estate planning technology peer co-listed with Luminary in the 2026 Peaks Report Summiteers tier. Targets estate attorneys and financial advisors with document analysis, planning, and client communication features analogous to Luminary's Estate360 and AI modules.
• FP Alpha: Estate planning analytics platform listed as a coming-soon integration partner on eMoney's ecosystem. Provides financial planning analytics for estate and tax planning scenarios, partially overlapping with Luminary's Analysis and Gift Analysis modules.

Emerging players

• Trust & Will: Digital estate planning platform primarily serving consumers and small businesses with online will and trust creation. Competes in the broader estate planning technology category but at the consumer/DIY end rather than the enterprise RIA market Luminary targets.
• Cake: End-of-life and estate planning platform offering digital will creation and post-mortem planning tools. Operates adjacent to Luminary's category but targets a different (consumer/small advisor) segment with lighter enterprise functionality.

Broad incumbents

• eMoney Advisor: Largest financial planning software platform serving 100,000+ financial professionals, integrated with Luminary via API. Acts as both a distribution channel and a broader-suite incumbent whose estate planning roadmap could overlap with Luminary's functionality over time.
• Addepar: Wealth management technology platform serving large RIAs and family offices. Used by Luminary customers (e.g., Caprock) alongside Luminary for portfolio reporting, and is a frequent co-seller into the same enterprise accounts Luminary targets.
• Envestnet: Large wealth management technology platform offering financial planning, portfolio management, and advisor practice management. Serves many of the same enterprise RIA and wealth management firm clients that Luminary targets.
• Black Diamond: Portfolio reporting and practice management platform for wealth managers, integrated with Luminary via the eMoney API ecosystem. Operates in the same enterprise RIA buyer environment and could expand into estate planning adjacent functionality.
• Orion: Wealth management technology platform offering portfolio accounting, reporting, and financial planning. Competes for enterprise RIA technology budgets and overlaps with Luminary in CRM and financial planning integrations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/withluminary

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds5 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Luminary