Last Updated: April 28, 2026
Lumifin is a financial decision-modeling tool designed to help you explore scenarios and gain clarity about your financial future. All projections, calculations, and outputs provided by Lumifin — including ending balance estimates, net worth projections, tax estimates, withdrawal strategies, Roth conversion analysis, and scenario comparisons — are for informational and educational purposes only.
Model outputs highlight mathematical differences between strategies and do not constitute a recommendation to pursue any particular course of action.
Nothing on this website, within the Lumifin application, or communicated during consulting sessions constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.
Lumifin LLC is not a registered investment adviser (RIA), broker-dealer, or tax preparer. We do not recommend any specific investment, security, financial product, or course of action.
The information and analysis presented — whether through the application or during a paid consulting session — should not be relied upon as a substitute for consultation with qualified, licensed professionals.
Lumifin offers paid consulting sessions (such as the Assessment and Optimization packages) in which we walk you through your financial projections and model various scenarios. These sessions are educational in nature. We help you understand what the numbers show — we do not tell you what to do with your money.
Any projections, comparisons, or observations shared during a session reflect the output of mathematical models based on assumptions you provide. They are not personalized financial recommendations.
Before making any financial decisions, you should consult with qualified professionals who can evaluate your specific circumstances, including but not limited to:
All projections and calculations are based on the assumptions and data you provide, combined with simplified models of tax rules, market behavior, and other financial factors. Actual results will differ — potentially significantly — from any projections shown.
Past performance does not guarantee future results. Market conditions, tax laws, healthcare costs, and personal circumstances change over time in ways that models cannot predict.
Use of Lumifin — whether through the application or a consulting session — does not create a fiduciary relationship, an advisory relationship, or any professional-client relationship between you and Lumifin LLC. We do not act as your financial advisor, broker, or agent.
Lumifin LLC shall not be held liable for any losses, damages, or adverse outcomes that result from decisions made based on information provided by this website, the application, or consulting sessions. You are solely responsible for your financial decisions.
By using Lumifin — including this website, the application, or any consulting services — you acknowledge that you have read and understood this disclaimer.
Questions? Contact us at hello@lumifin.co.