Lucerna Capital Management is an investment advisory firm that combines ongoing portfolio management with year-round financial planning under an integrated wealth management relationship. Lucerna Capital Management focuses on serving individuals, high-net-worth clients, technology professionals, and dual-income households. The firm builds diversified, low-cost portfolios using index mutual funds and exchange-traded funds, tailored to each client's specific goals, risk tolerance, and time horizon. In addition to investment management, Lucerna Capital Management provides modular financial planning covering retirement, college savings, cash flow, insurance needs, estate planning, and equity compensation strategies. Clients can also engage Lucerna Capital Management for standalone financial planning projects or hourly consultations. The firm operates as a registered investment advisor legally required to act in your best interest.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $3.0M | 0.75% |
| $3.0M - $5.0M | 0.50% |
| $5M+ | 0.35% |
Fees are negotiable at the firm's discretion. A minimum annual fee of $5,000 applies to integrated investment management and planning services.