HOW IT WORKS · AN ADVISOR-LED EXPERIENCE
Your expertise.
A clearer client conversation.
RetireLuma’s planned workflow is designed for financial advisors and RIA firms: establish the client picture, explore alternatives, explain the tradeoffs, and organize the next conversation.
RetireLuma is in development. This page describes the planned product direction; these capabilities are not currently available.
ESTABLISH THE CLIENT PICTURE
Start with the household behind the numbers.
The planned workflow begins with the advisor clarifying the client’s retirement goals, income sources, spending priorities, and family commitments. Identify estimates and missing information before exploring alternatives.
Review together
What is the client trying to achieve, and which assumptions need confirmation?
EXPLORE ALTERNATIVES
Compare the decisions that matter.
We envision an advisor workspace for exploring questions such as retirement timing, spending changes, withdrawal approaches, and benefit timing. Comparisons should make the inputs and assumptions visible.
Frame the question
What changes if the client retires earlier, works part-time, or adjusts spending?
LEAD THE CONVERSATION
Make the tradeoffs understandable.
Our goal is to help advisors explain the differences between scenarios in language clients can follow. Explore uncertainty and practical tradeoffs alongside the client’s priorities.
Bring the client into the discussion
Which assumptions feel realistic, and which tradeoffs would the household be comfortable considering?
AGREE ON NEXT STEPS
Keep the review focused on decisions.
We plan to help advisors organize open questions and next steps for subsequent reviews. Tax and legal matters can be identified for discussion with the appropriate professionals.
Close with clarity
What needs validation, who should be involved, and what will be revisited at the next meeting?
Built around the advisor-client relationship.
This is an advisor-led product vision. Clients would participate through their advisor; this website does not currently offer a self-service planning tool or client portal.
