Why Enterprises Choose Luminary for Estate Planning

Enterprise institutions responsible for safeguarding client data and asset values in the billions know that, when evaluating software, “trust us” isn’t sufficient. These buyers look beyond surface-level features to understand how a platform fits into their existing systems, processes, and controls. Control, compliance, and the ability to configure solutions to firm-specific requirements are what ultimately determine whether new technology can be adopted with confidence.

We’ve seen this dynamic play out repeatedly. A wealth management firm’s CTO will pause the conversation and ask the question that actually matters: How do I know that my clients’ information is secure?

Luminary’s enterprise-ready platform was designed from the outset to address concerns like this directly, without tradeoffs or ambiguity. 

Enterprise Requirements in Practice

Here’s what we’ve learned from working with the largest wealth management firms, family offices, and law practices in the country: enterprise adoption is shaped by operational realities, not user counts.

Teams are distributed across offices and functions, each with established workflows that software needs to support. Compliance groups require clear auditability, including visibility into how AI-assisted summaries are generated and used. IT organizations expect new platforms to fit within existing security architectures, and legal teams need explicit, enforceable boundaries around how client data is handled.

These are baseline requirements for enterprise environments, but generic SaaS solutions often struggle to meet them. Luminary was purpose-built so large-scale firms can adopt modern planning technology without compromising existing controls.

Data Control by Design

At the core of Luminary Enterprise is a straightforward principle: firms retain control over their data, AI usage, and security controls.

Luminary supports customer-managed encryption keys, allowing firms to retain exclusive control over how and when data is decrypted. Encryption keys remain within your own key management system, and when Luminary processes a document or generates an AI-assisted summary, decryption is requested explicitly and logged. Access can be revoked at any time, immediately halting decryption and any Luminary access to your clients’ sensitive data. All key usage is auditable within your own environment, giving compliance and security teams direct oversight.

For firms with more advanced AI requirements, Luminary also supports Bring Your Own Model Provider (BYOMP). Organizations can route all AI requests through their own enterprise agreements—whether deployed through Azure, OpenAI, or other approved providers. In these configurations, Luminary has no visibility into prompts or responses, and all usage, costs, and access controls are governed by the firm’s existing infrastructure.

For firms using Luminary’s native AI integrations, we apply the same security standard: an enhanced zero data retention policy. Client documents and prompts are not stored, logged, or used to train models in OpenAI or Luminary—ensuring sensitive estate planning information remains isolated and protected by design.

Integration With Existing Systems

Enterprise firms operate within established technology environments. If your teams already rely on proprietary systems for client data or portfolio management, new software must integrate cleanly with these tools without requiring duplicate data entry.

Luminary’s public API is built to support this reality. Household data, documents, entities, and asset valuations can be synchronized bidirectionally between Luminary and existing systems. Updates made in a firm’s CRM can flow directly into Luminary, and AI-assisted summaries or planning outputs generated in Luminary can surface in downstream client portals or internal tools. As a result, Luminary works alongside the systems your teams already depend on.

Access Management at Enterprise Scale

User access management becomes increasingly complex as firms grow. With hundreds of advisors across multiple offices, provisioning and deprovisioning access manually can introduce unnecessary risk and operational overhead. When employees change roles or leave the firm, access must be updated immediately. When new hires join, they need appropriate access on day one.

Luminary supports SCIM-based provisioning, integrating directly with any SAML identity provider—such as Okta or Microsoft Entra—to automate user access management. Access levels and user roles are assigned based on group membership within your existing identity system. When a user is added, updated, or removed, changes are reflected in Luminary automatically and in real time.

This approach gives IT teams a centralized, auditable way to manage access, ensures security teams can enforce timely deprovisioning, and allows advisors to get started without delays or manual intervention.

Why This Matters Now

As estate planning continues to be a central, visible part of enterprise advisory services, firms are expected to deliver accurate analysis efficiently, collaborate across internal and external teams, and demonstrate clear value to clients. At the same time, expectations around data protection, compliance, and AI usage are higher than ever.

Enterprise implementations can struggle or fail when security and compliance are treated as secondary considerations rather than core design inputs. Retrofitting controls after the fact creates friction, risk, and uncertainty—especially in environments with mature governance requirements. 

Luminary’s platform was designed from the outset to operate within these requirements. When firms evaluate the platform, the decision is often validated not just by advisors, but by IT, security, and compliance teams as well. As one large RIA summarized during evaluation, "Customer-controlled infrastructure is a game changer for us. Being able to bring our own model provider and use customer-managed keys means we can leverage our existing, compliance-approved AI channels instead of starting from scratch."

Evaluating the Path Forward

If you're evaluating estate planning technology for your enterprise, the most important questions extend beyond features and pricing. Consider the following:

• Can you audit AI usage in your own environment?
• Can you revoke data access instantly if requirements change?
• Does the platform integrate with your existing security infrastructure, or require you to compromise?
• Can your IT team manage the entire user lifecycle without vendor involvement?

These are the questions that we often see CTOs, CISOs, and compliance leaders raise early in the evaluation process. Luminary was built to check all these boxes confidently, and more. Because in enterprise environments, trust isn’t assumed—it’s demonstrated.

Want to see how Luminary Enterprise fits your firm's specific requirements? Contact our team for a conversation about your security architecture, compliance needs, and integration requirements.