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About Lumvest

The analytics layer for adviser-managed wealth.

After-tax returns are the new alpha. We turn them into a repeatable discipline. Starting with tax-loss harvesting, the most actionable after-tax move in the book.

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01 · The gap

The gap isn’t access. It’s execution.

We come from institutional finance, complex investment vehicles, and retail platforms. Years on the desk. Years building the tools. Years next to the advisers who use them.

Same pattern, everywhere we looked. Product access isn’t the problem. The right vehicles exist. The gap is helping advisers match the right vehicle to the right client in a faster, more consistent, more defensible way.

Tax-loss harvesting is where we started. The most actionable after-tax move in the book. No change to the client’s strategy. Just better use of the data already on the adviser’s desk.

02 · Convictions

How we think.

Tax management is portfolio management.

Most platforms treat tax as a year-end clean-up. That timing leaves most of the value on the table. Continuous harvesting is worth roughly 1% a year on published estimates. Harvestable losses appear continuously, replacement windows close quickly, carry-forwards compound. We designed Lumvest to run tax-aware analysis as a discipline, not a ritual.

Industry default: tax is a year-end exercise.

Built for advisers, not autopilot.

The standard template is an ETF wrapper with a TLH toggle and an opaque recommendation. It suits a retail robo. It does not suit adviser-managed wealth. We surface the thresholds, correlations, wash-sale windows, and jurisdictional rules. The adviser decides. Accountability sits with the adviser.

Industry default: push-button TLH with hidden logic.

Defensibility is a feature.

Every recommendation must be reviewable. Every output traces back to observable data, declared assumptions, and a repeatable process. Lumvest is built for the investment-committee meeting, the client review, and the regulatory inspection. Not just the happy-path screen.

Industry default: trust-us outputs, no audit trail.

Built to integrate, not to replace.

The workflow lives in your stack: CRM, custodian, broker, platform. Lumvest is API-first. You keep your book, your custody, your client relationship. We layer in underneath.

Industry default: closed platforms that close advisers out.

03 · AI and finance

Grounded research, not guesswork in a chat window.

Applying AI to investment decisions is a discipline, not a feature. Off-the-shelf language models carry structural biases: some favour large-cap tilts, some over-weight sector narratives, some shift their view under weak evidence. These are the wrong primitives for a wash-sale check or a replacement decision.

Our approach is domain-anchored and retrieval-grounded. Mandate first: client objectives, risk budgets, and jurisdictional rules. Retrieval on top, cited against markets data and regulatory text the model cannot hallucinate around. We work with research partners on retrieval-augmented frameworks from the academic AI-in-finance literature.

The discipline 3 tests
  • 01

    Mandate

    Client mandate first: objectives, risk budgets, jurisdictional rules.

  • 02

    Evidence

    Retrieval against markets data and regulatory text. Cited, not paraphrased.

  • 03

    Audit

    Every recommendation traces back to observable data and declared assumptions.

Defensible by design

04 · Scope

Where Lumvest fits in your stack.

Here is what we do, what stays with you, and what we have deliberately not built yet.

What Lumvest does

  • Detect tax-loss harvesting opportunities across client portfolios continuously.
  • Validate against wash-sale and superficial-loss rules by jurisdiction.
  • Export audit-ready documentation for investment and compliance committees.
  • Integrate with your existing brokers and platforms.

What sits with you

  • Investment advice and fiduciary responsibility.
  • Custody of client assets.
  • The final recommendation and its execution.
  • The client relationship. Lumvest never talks to your client.

What we don’t do (yet)

  • Trade execution or order routing.
  • Year-end tax filing or preparation.
  • Full portfolio optimisation.
See how it works

05 · Roadmap

From TLH to the after-tax engine.

Tax-loss harvesting is the first discipline. Not the last.

  1. Today

    Tax-loss harvesting across eight jurisdictions.

    Detection, replacement, and documentation across eight jurisdictions. API-first for institutional partners.

  2. Coming soon

    Detection to execution.

    Recurring scans, rebalance-triggered detection, alerts on market dips. One-click routing from recommendation to ticket.

    You confirm every trade. Automation only where you explicitly switch it on.

  3. Next

    Lumvest Pro, for private wealth.

    Tax-aware analytics for concentrated positions, tax-efficient vehicles, and option overlays. Modelled to each client’s mandate, not a template. Built for private-wealth teams.

  4. Ahead

    The after-tax engine.

    A proper AI-assisted analytical layer for adviser-managed wealth. After-tax today. Whole-portfolio tomorrow. Today that work sits with a Big Four consultant or a personal tax accountant. We make it continuous, documented, and native to how advisers work.

06 · Working with us

Three doors in.

Start where you are. We don’t mind which.

Pilot

Run Lumvest on portfolios.

Upload a CSV. Lumvest returns harvest candidates, replacement scores, and audit-ready documentation. No licence. No commitment.

Start a pilot

Portal

Run your book in Lumvest.

Multiple portfolios, broker connections, automated workflows, ongoing documentation. Built for rhythm, not one-off spot checks.

Request a demo

Partnership

Custom-deployed in your firm’s workflow.

Every firm runs differently. Custom deployment, API access, dedicated support. Each rollout shaped to your stack.

Talk to the team