About LuminPath
LuminPath Planning is an independent financial planning practice focused on helping individuals and families make better financial decisions with clarity and confidence. We specialize in retirement planning, tax-aware strategies, and long-term financial planning.
Our approach starts with understanding each client’s full financial picture, including income, taxes, investments, and family goals. By integrating tax strategy into financial planning, we help clients make more informed decisions around retirement timing, Social Security, Roth conversions, and overall wealth planning.
We believe financial planning should be practical, personalized, and aligned with real life—not just numbers on a page.
About Ling Yan
Before entering financial planning, I spent over 20 years working in the financial technology industry, with a strong focus on quantitative analysis and problem solving. This background shapes how I approach financial planning today—structured, analytical, and grounded in real numbers rather than assumptions.
Since 2024, I have been working directly with individuals and families to provide holistic financial planning, with a focus on retirement planning, tax-aware strategies, and long-term decision making. I work closely with clients to help them understand how different parts of their financial life—income, taxes, investments, and goals—fit together.
My approach is simple: financial planning should be practical, personalized, and understandable. Good decisions are not just about products or projections, but about clarity and confidence over time.