Lumina Financial Consultants, LLC is a fee-only, independent fiduciary. The firm specializes in providing financial planning and investment management services to clients in the San Francisco Bay area and Northern Virginia. Founded in 2012 by Jean S.H. Schwarz, MBA, CFP®, the mission of Lumina Financial is to help individuals undergoing major life changes understand and use their resources to maintain their financial independence. LuminaFi aims to enlighten individuals on issues related to money, inspire confidence and map a course of action to empower individuals to achieve their financial goals.