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Lumina Financials
About Lumina Financials
Lumina Financials was created from a deeply personal belief: financial guidance should bring clarity, not shame, confusion, or intimidation.
As I grew personally and professionally, the vision expanded beyond tax preparation. I wanted to build a firm that offered more than financial services; one that combined clear guidance, education, strategy, and compassionate support.Â
Today, Lumina Financials exists to help women, first-generation entrepreneurs, and growing business owners understand their numbers, build stronger systems, make informed decisions, and move forward with greater confidence and purpose.
Independent, customer-oriented advice
Transparent cost structure with no hidden fees
Personal contact person for every question
Extensive experience in insurance, finance & real estate
7+ Years
Proven Track Record
OUR JOURNEY
Why We Created Lumina Financials
Science taught me to solve complex problems, think critically, and build solutions with intention. But motherhood changed the direction of my life and gave me a deeper purpose to build, dream, and create a meaningful legacy.
My transition from science into finance was more than a career change—it was a leap of faith shaped by a season of personal, professional, spiritual, and financial rebuilding.
Through that journey, I learned that financial clarity is about more than numbers. It influences confidence, stability, relationships, business decisions, and the ability to move forward.
That experience inspired me to create Lumina Financials—a place where women, entrepreneurs, and growing business owners can receive clear financial guidance, practical systems, and compassionate support without shame or confusion.
Our Mission
Our mission is to give women entrepreneurs the tools, structure, and confidence to manage money with ease. When your finances are organized, you can make bold decisions and build long-term security for yourself and your family.
Clarity
We believe in total transparency. We turn complex numbers into simple, understandable insights so you always know exactly where your business stands.
Our Values
Empowerment
We don’t just give you reports — we give you knowledge and systems so you can confidently make decisions and lead your business.
What drives everything we do
Compassion
We understand the challenges of being a woman entrepreneur. We offer support without judgment and guidance that fits your real life.
Integrity
Honesty and ethical standards are non-negotiable. You can always trust us to act in your best interest.
Simplicity
We create practical, easy-to-maintain systems that work for busy women — because good financial management shouldn’t be complicated.
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Jennifer Guzman
Founder & Lead Financial Strategist
Meet Our Team
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Genevet Guzman
Operations Manager
Customer Testimonials
What our clients say
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"A highly competent and, above all, personable consultation and collaboration that truly impressed me. My financial options have significantly expanded, and I was able to save a considerable amount of money in the process. Definitely recommended! I would gladly work with them again."
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"Although I didn't sign up for anything, the consultation helped me save several hundred euros. Kosovar doesn't put you under sales pressure, but rather provides a sobering experience."
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"I'm super happy that I've found someone who I can confide in about all my financial problems and who will advise me and, above all, implement the solutions."