Wealthtender Wealthtender

Financial Professionals

Sign In Or Sign Up

Individuals

Subscribe for Money Tips

Trent White, CFP®, JD, LLM

Independent, Comprehensive Wealth Planning | Fee-Only | Fiduciary

Connect Cancel

Wealthtender Community Connect helps people discover the best financial advisors for their individual needs through their favorite blogs and podcasts.

Click Here to Learn More
Contact Me
Luminvest Wealth Management Trent White, CFP®, JD, LLM
Scottsdale, AZ

Serving Clients Nationwide

Independent, Comprehensive Wealth Planning | Fee-Only | Fiduciary

(480) 702-1143

Website

Areas of Focus

  • Business Owners
  • Cash Flow
  • Estate Planning
  • Financial Planning
  • High Net Worth
  • Investment Management
  • Retirement Income Planning
  • Tax-Efficient Planning

About Trent White, CFP®, JD, LLM

Hi, I'm Trent White. I'm the Founder and Wealth Advisor at Luminvest Wealth Management.

From a young age, I developed a profound interest in managing finances. I started investing in stocks when I was 12 years old using the modest income I earned from delivering newspapers. After I delivered those papers I often read the business, sports, and humor sections, which fueled my growing curiosity about investing. My father and grandfather played instrumental roles in expanding my knowledge of stocks, bonds, ETFs, options, and more.

My late mother also played a pivotal role, instilling in me invaluable money skills and principles like saving for college and embracing charitable giving. Even before I could drive, she inspired me to launch my first business—lawn aeration! This fueled my entrepreneurial spirit and taught me the value of the dollar.

I've always been fascinated by the power of compounding growth and how money can do good in the world. It's not just about making life more enjoyable by saving for fantastic trips (I love to travel!), but about using money as a force for positive change. That's why, while studying Financial Economics in college, I made up my mind to become a financial planner and help others manage their money wisely.

During and after my formal education, I seized valuable opportunities to expand my knowledge and expertise. I actively sought out practical experiences, both as a volunteer and as a paid income tax preparer. Additionally, I delved into life insurance, initially as a captive agent and later as an independent one. These experiences provided valuable insights into different aspects of financial planning..

Eager to broaden my knowledge further, I pursued a law degree at BYU, passed the bar exam, and obtained esteemed credentials such as the CERTIFIED FINANCIAL PLANNER™ (CFP) designation and other securities licenses. I later completed a post-law degree from Georgetown, a Tax LL.M. (Master of Laws in Taxation) with a Certificate in Estate Planning.

For more than a decade now, I've been working with high-net-worth and ultra-high-net-worth individuals, helping them navigate investments and plan for their financial future. Most recently, I managed a book exceeding $1 billion in assets under management for approximately 150 ultra-high-net-worth households that were part of Vanguard’s Personal Advisor Services. Guided by a wealth of experience and knowledge, I am eager to utilize my skills to help you achieve your goals!

Professional Designations

  • CERTIFIED FINANCIAL PLANNER ®
  • Juris Doctor (J.D.)

Affiliations

  • Fee Only Network
  • National Association of Personal Financial Advisors
  • XY Planning Network

Primary Location

Scottsdale, AZ, 85250

Meeting Options

  • Video Conference
  • In-Person
  • Phone
Book Intro Call

Compensation Methods

  • Fee Only
  • Flat Fee
  • Percentage of Assets Managed

What to expect in the first meeting

Let's kick things off with a no-cost, no-obligation phone or video conversation. This allows us to determine if we're a good fit for each other. Once we understand your objectives, we will develop a plan with specific actions customized for you. I look forward to speaking with you.

Offers Investment Management

Yes

About Luminvest Wealth Management

Luminvest Wealth Management is an independent, fee-only registered investment advisory firm based in Scottsdale, Arizona, providing comprehensive wealth planning for retirees and high-net-worth individuals in person and nationwide.

Who We Serve

We work with those who have a desire to better manage their finances and place a high value on tax planning. Our clients understand that the success of their retirement or financial plan is too important to be handled alone, and they value expert guidance. Our clients refrain from chasing market trends and align with our evidence-based investment philosophy.

Our Services

We help with financial planning, cash flow management, debt strategy, investment management, tax strategy and preparation, and more. We specialize in building low-cost, well-diversified, tax-efficient portfolios that complement other aspects of your financial planning, such as cash flow, charitable giving, and estate planning, and that align with your goals and objectives.

Transparent Pricing

We are committed to keeping our fees low and transparent for the benefit of our clients. Our advisory fee is 0.25% annually on the first $5 million in assets, 0.10% on the next $5 million, and 0.05% on amounts over $10 million, with a minimum quarterly fee that generally makes our comprehensive service ideal for those with at least $250,000 of investable assets. There is no account minimum, and there is no commitment to keep paying our fees — it's a pay-as-you-go relationship that clients can end at any time.

Luminvest Wealth Management, LLC is a Registered Investment Adviser regulated by the U.S. Securities and Exchange Commission.

Education

Georgetown University Law Center, LL.M. in Taxation, Estate Planning Certificate | J. Reuben Clark Law School (Brigham Young University), Juris Doctor | Brigham Young University, Bachelor of Science, Financial Economics

Hobbies and Interests

  • Family
  • Hiking
  • Reading
  • Running
  • Sports
  • Traveling
  • Volunteering

SEC Lookup

View Disclosure

Who We Serve

  • Baby Boomers
  • Business Owners
  • Corporate Executives
  • Dual Income Family
  • Entrepreneurs
  • Families
  • Gen X
  • Intergenerational Families
  • Living in Retirement

Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Get answers to frequently asked questions regarding the services offered by Trent White, CFP®, JD, LLM View Disclosures

FAQs

Who does Luminvest Wealth Management work best with?
We work with individuals and families who have a desire to better manage their finances and place a high value on tax planning as part of a comprehensive financial plan. Our clients understand that the success of their retirement or financial plan is too important to be handled alone, value expert guidance, and refrain from chasing market trends in favor of our evidence-based investment philosophy. We're especially suited to those nearing or already in retirement, as well as high-income or high-net-worth individuals.
Are you a fiduciary and how does Luminvest get paid?
Yes, we are a fee-only, independent Registered Investment Adviser regulated by the U.S. Securities and Exchange Commission, which means we act as fiduciaries for our clients. We do not sell products, receive commissions, or accept referral fees. Our only compensation is the advisory fees our clients pay us directly, which combine a percentage of assets managed with a minimum quarterly fee, so our incentives stay aligned with yours.
Can you help me plan tax-efficient retirement income and distributions?
Yes. Tax planning is central to how we build financial plans, and we regularly help clients coordinate topics like IRA and Roth IRA contributions, required minimum distributions, and pre-tax versus Roth decisions alongside their broader retirement income strategy. We also focus on building low-cost, well-diversified, tax-efficient investment portfolios that complement your overall plan.

FAQ Disclosures

Still have questions? Contact us today and we’ll be happy to help.

Looking for a Trusted Financial Advisor in Phoenix, Arizona?
Looking for a Financial Advisor in Scottsdale, Arizona?