Legal Disclaimer

Last updated: September 11, 2026.

Please read this disclaimer carefully. It applies to your use of luminarafa.com and the information made available through the website.

Luminara Family Advisors LLC (“Luminara,” “we,” “us,” or “our”) provides outsourced chief financial officer services, family office operations, back-office support, and administrative coordination to families and family offices. The information on this website is provided solely for general informational purposes.

No Investment Advice or Securities Services

Luminara is not a registered investment adviser, broker-dealer, or securities firm. We do not manage investments, recommend securities or investment products, execute securities transactions, or provide investment advisory services through this website. Nothing on the website constitutes an offer to buy or sell, or a solicitation of an offer to buy or sell, any security or investment product. We may coordinate with investment professionals engaged by a family, but we do not replace them or assume their responsibilities.

Accounting and Tax Matters

Luminara is not a certified public accounting firm. Depending on the terms of a written engagement, Luminara may provide bookkeeping, financial reporting, cash-flow planning, and other non-attest accounting support. Luminara does not provide audits, reviews, compilations, attest services, or other services requiring a CPA firm license.

Luminara does not prepare tax returns or issue tax opinions. References to a founder’s CPA background describe professional qualifications and experience; they do not represent that Luminara is a CPA firm. We may coordinate information and implementation matters with a family’s tax professionals, who remain responsible for their professional advice and services.

No Legal Advice

Luminara is not a law firm and does not provide legal advice, legal opinions, or legal documents. When our work involves estate plans, trusts, entities, governance arrangements, contracts, or similar matters, we may coordinate with a family’s attorneys, who remain responsible for their legal advice and services.

No Professional or Fiduciary Relationship

Accessing or using the website, sending an email, or submitting a website inquiry does not create an advisory, fiduciary, professional, agency, or client relationship between you and Luminara. Luminara undertakes professional responsibilities only under a separate written engagement agreement executed by the applicable parties, and the terms of that agreement control the relationship.

No Confidential Submission Through the Website

The website’s general email address is intended only for initial inquiries. Do not submit confidential financial, tax, legal, account, medical, authentication, or other sensitive information through the website. Although we use reasonable safeguards and treat inquiries with discretion, a website submission does not create a duty of confidentiality or professional relationship. Do not use the website for emergencies or time-sensitive instructions, including payment, transfer, or investment instructions.

Information and Results

Information on the website is general and may not be appropriate for your circumstances. You should obtain advice from qualified professionals who understand your specific facts before making financial, tax, legal, accounting, investment, or other decisions. Descriptions of services, experience, or capabilities are not promises or guarantees of any particular result.

Accuracy and Availability

We make reasonable efforts to present accurate and current information, but we do not warrant that website content is complete, accurate, current, or suitable for any particular purpose. Information may be changed or removed without notice. We do not guarantee that the website will always be available, secure, or free from errors or harmful components.

Third Party Information and Links

The website may refer or link to third-party websites, services, or materials. Those resources are provided for convenience only. Luminara does not control or endorse them and is not responsible for their content, availability, security, privacy practices, or accuracy.

Limitation

Your use of the website and reliance on its content are at your own risk. To the fullest extent permitted by applicable law, Luminara disclaims responsibility for losses or damages arising from use of, inability to use, or reliance on the website or its content. This limitation does not exclude liability that cannot lawfully be excluded.

Questions

Questions about this disclaimer may be sent to info@luminarafa.com.