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Luminary vs Wealth.com
Short answer: Luminary is best for firms serving high-net-worth families that want estate document extraction, strategy modeling and ongoing wealth-transfer tracking; Wealth.com is best for firms that want estate documents, tax modeling and visual estate summaries in one platform. Neither publishes prices, so get quotes from both. Book demos of both and test them on your real workflow.
Luminary and Wealth.com are the two AI estate platforms advisors most often shortlist when clients have trusts, entities and real estate-tax exposure. The split is clear once you read both sites: Wealth.com creates estate documents (revocable trusts, wills, powers of attorney, health care directives) with attorney review built in, and pairs estate work with multi-year, multi-state tax planning. Luminary does not draft documents; it turns existing trust and estate documents into cited, structured data, models strategies with a deterministic tax engine and pushes that data to Salesforce, Snowflake and AI assistants.
| Luminary | Wealth.com | |
|---|---|---|
| What it is | AI estate and wealth-transfer platform that turns trust and estate documents into cited summaries, diagrams and tax projections. | AI-powered estate and tax planning platform for advisors, with the Ester AI engine for reading estate and tax documents. |
| Best for | Firms serving high-net-worth families that want estate document extraction, strategy modeling and ongoing wealth-transfer tracking | Firms that want estate documents, tax modeling and visual estate summaries in one platform |
| Category | Tax return & document analysis | Tax return & document analysis |
| Free option | None listed | None listed |
| Starting price | Contact vendor | Contact vendor |
| Key capabilities |
|
|
| Skip it if | Most of your clients have simple wills and basic trusts. | You only need to summarize the occasional estate document; a lighter or free tool may be enough. |
| Details | Luminary overview | Wealth.com overview |
Key differences
From each vendor's own site, checked October 28, 2026.
| Luminary | Wealth.com | |
|---|---|---|
| Core job | Analyze existing estate plans: cited extraction, diagrams, balance sheets and strategy modeling | Create and execute estate plans, plus Ester AI summaries and tax planning |
| Document creation | No; Luminary says it offers no document drafting or legal services | Yes: revocable trust and pour-over will, will, financial POA, health care directive, guardianship nominations |
| AI engine | Luminary AI: source-cited extraction, AI Assistant that builds client profiles through chat | Ester: extracts, summarizes and visualizes estate plans and tax documents |
| Tax modeling | Deterministic engine for federal, state, inheritance and asset taxes; SLAT, GRAT, CRT, CLT and gifting scenarios | Multi-year, multi-state tax modeling integrated with estate planning; Scenario Builder |
| Pricing model | Custom proposal; no prices published (tiers: Go, Pro, Enterprise) | Annual contract by advisor seat with volume discounts; no per-client or per-document fees; no prices published |
| Integrations | eMoney, Orion, Addepar, Black Diamond, Salesforce, Snowflake; public API; MCP for ChatGPT and Claude | Salesforce, eMoney, Orion, Wealthbox, Redtail, Addepar, Black Diamond, Schwab; clients can link Carta, Coinbase and Zillow |
| Who logs in | Permissioned access for wealth managers, attorneys, CPAs, trustees and trust officers | Clients only through an advisor, via a client portal and document Vault; attorney and CPA collaboration |
| Typical client | HNW and UHNW, net worth from $5 million to over $1 billion | Mass affluent to ultra-high-net-worth |
| Security and AI data | SOC 2 Type II; no training on client data by Luminary or its model providers | SOC 2 Type II; data encrypted, stored in the U.S., never sold or shared |
Choose Luminary if
- Your clients already have estate plans from their own attorneys and you need to read, map and model them, not draft new ones.
- You serve families with complex trusts and entities and want deterministic tax figures with citations back to the source page.
- You want estate data flowing into Salesforce or Snowflake, or available to ChatGPT and Claude through MCP.
Choose Wealth.com if
- You want to offer clients new wills, revocable trusts and powers of attorney as a firm service, with attorney review built in.
- You need one platform across your whole book, from mass-affluent clients who need a first will to UHNW families.
- Tax planning is as important to you as estate planning and you want both in one seat license.
Related
About Luminary
Luminary says its human-in-the-loop AI turns estate and ownership documents into structured, source-cited data, then builds balance sheets, entity and distribution diagrams, firm-branded estate presentations and what-if models for strategies such as SLATs, GRATs, CRTs, CLTs and family or charitable gifting. A deterministic tax engine calculates federal, state, inheritance and asset taxes. It is sold in Go, Pro and Enterprise tiers, integrates with eMoney, Orion, Addepar, Black Diamond, Salesforce and Snowflake, offers a public API and an MCP connection for ChatGPT and Claude, and lets attorneys, CPAs and trustees collaborate under role-based permissions. Luminary says it is SOC 2 Type II certified and that neither it nor its model providers train on client data. It raised a $22 million Series A led by Ten Coves Capital in September 2026 and says its platform supports more than $500 billion in client assets. It does not draft documents or give legal advice.
Check before choosing Luminary
- Ask which features are in Go vs. Pro before you buy
- Confirm how attorneys, CPAs and trustees are invited and what each can see
- Luminary doesn't draft documents; pair it with your estate attorney or a document-creation tool
About Wealth.com
Wealth.com says advisors can create estate documents (revocable trusts, wills, powers of attorney, health care directives), use its Ester AI to extract and summarize existing estate plans and tax documents, model scenarios, and share documents through a secure vault. Clients access it only through an advisor. It lists integrations with Salesforce, eMoney, Orion, Wealthbox, Redtail, Addepar, Black Diamond and Schwab.
Check before choosing Wealth.com
- Annual contract; ask about seat minimums and volume pricing
- Confirm how the attorney-review workflow fits your firm's unauthorized-practice-of-law policy
- Check integrations with your CRM and planning software
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FAQ
Luminary vs Wealth.com: which is better for financial advisors?
Luminary is best for firms serving high-net-worth families that want estate document extraction, strategy modeling and ongoing wealth-transfer tracking; Wealth.com is best for firms that want estate documents, tax modeling and visual estate summaries in one platform. Neither publishes prices, so get quotes from both. Book demos of both and test them on your real workflow.
What is the difference between Luminary and Wealth.com?
Luminary: AI estate and wealth-transfer platform that turns trust and estate documents into cited summaries, diagrams and tax projections. Wealth.com: AI-powered estate and tax planning platform for advisors, with the Ester AI engine for reading estate and tax documents.
Is Luminary or Wealth.com cheaper?
Neither publishes prices, so get quotes from both.
Can Luminary create a will or trust like Wealth.com?
No. Luminary says it does not offer document drafting or other legal services; it prepares advisors and clients for work with their own attorneys. Wealth.com creates documents such as revocable trusts, wills and powers of attorney with attorney collaboration and review workflows.
Do Luminary or Wealth.com publish prices?
Neither publishes prices (checked October 28, 2026). Wealth.com sells annual contracts priced by advisor seat with volume discounts and says there are no per-client or per-document fees. Luminary prepares a custom proposal.
Which one integrates with my CRM?
Wealth.com lists Salesforce, Wealthbox and Redtail. Luminary lists Salesforce plus a public API for other CRMs. Both list eMoney, Orion, Addepar and Black Diamond.
How do they handle unauthorized practice of law concerns?
Wealth.com says it separates roles with advisor-client portal firewalls, embedded attorney consultations and controlled workflows so advisors never draft documents themselves. Luminary avoids the issue by not drafting documents at all. Either way, have compliance sign off on how you describe the service to clients.
Does either train AI models on client data?
Luminary says neither it nor its model providers train on client data. Wealth.com says client data is never sold or shared and is stored in the U.S.; ask it to confirm model-training terms in writing.