Five Star award winner Chris Gall

PROFESSIONAL PROFILE

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Chris Gall

President

Luminous Financial Group LLC

11622 El Camino Real Ste 100

San Diego, CA 92130

Office: 858-764-4300

Cell: 619-723-4069

chris.gall@luminousfg.com
https://luminousfg.com

Professional Approach

Chris started in the industry in early 2007 and quickly established a loyal clientele who appreciated his honest, unbiased approach to financial planning. He uses industry leading software to create holistic financial plans that model the future and help give his clients a clear path forward. Acting as a fiduciary, Chris manages risk-based models for his clients on a proactive basis. Some investments are not available through the advisory or “fee only” structure, so he is also able to work on a commission basis in order to have as many tools as possible to help his clients.

Through the course of working with clients, Chris realized that they had a very limited understanding of their company’s retirement plans. He noted that their 401(k) plans often had mediocre investment options and they were not being educated on how to take advantage of this great benefit. Seeing this huge lack of service, Chris devoted himself to becoming an expert on 401(k) and qualified retirement plans. Over his career he has become an advisor to many companies across the country. He now specializes in the design, implementation and servicing of 401(k)s.

Chris holds the Series 6, 7, 24, 63 and 65 securities licenses and a California life insurance license. He has a BA in Economics from UC San Diego and is an active member of the UCSD Alumni Association. He also holds the AIF® designation and can be a fiduciary on 401(k) plans and trusts. Chris loves spending time with his amazing wife, son, 2 dogs and 2 cats. His other interests include reading, technology, charitable giving, hiking, backpacking, football, hockey, gardening, craft beer, guitar, and music.

See Accomplishments

This award was issued on 12/1/21 by Five Star Professional (FSP) for the time period 04/12/2021 through 10/15/2021. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 2084 San Diego-area wealth managers were considered for the award; 223 (11% of candidates) were named 2022 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2021: 6123, 459, 7%, 12/1/20, 3/30/20 - 10/16/20; 2020: 2218, 231, 10%, 12/1/19, 3/1/19 - 10/18/19; 2019: 1885, 224, 12%, 12/1/18, 3/23/18 - 10/15/18; 2018: 1498, 228, 15%, 12/1/17, 3/22/17 - 10/17/17; 2017: 1349, 349, 26%, 11/1/16, 2/25/16 - 10/14/16; 2016: 1337, 349, 26%, 11/1/15, 6/2/15 - 10/23/15; 2015: 1639, 350, 21%, 12/1/14, 6/2/14 - 10/23/14; 2014: 1838, 368, 20%, 12/1/13, 6/2/13 - 10/23/13; 2013: 1675, 417, 25%, 12/1/12, 6/2/12 - 10/23/12; 2012: 1014, 284, 28%, 11/1/11, 6/2/11 - 10/23/11.

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Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Luminous Financial Group LLC are not affiliated.

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria-required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria-considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance . Wealth Managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.