How We Do It

Our approach to wealth management is as diverse as the needs of our clients. We offer a suite of specialized strategies, each designed to address different aspects of wealth generation and preservation, using our unique blend of traditional wisdom and innovative approaches.
Strategies for Diverse Financial Goals

Yield Strategies: Balancing Income and Growth

Our Yield Strategies focus on generating consistent income through diversified portfolios, including high-yield bonds, dividend-rich stocks, and REITs. This approach aims for long-term growth and risk reduction, ideal for those seeking stable returns.

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Digital Assets Strategies

In the rapidly evolving world of finance, digital assets stand out as a transformative force.

We recognize the immense potential of blockchain and cryptocurrencies and navigate their volatility and regulatory landscapes with finesse. Our strategies are designed to harness the high-growth potential of these assets while managing inherent risks.

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Direct Indexing & Tax Loss Harvesting

In the rapidly evolving world of finance, digital assets stand out as a transformative force.

We recognize the immense potential of blockchain and cryptocurrencies and navigate their volatility and regulatory landscapes with finesse. Our strategies are designed to harness the high-growth potential of these assets while managing inherent risks.

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Manager Strategies

Our Manager Strategies provide personalized advisory services and access to unique investment opportunities. Whether it’s replicating successful hedge fund strategies or exploring alternative investments, Lumida specializes in curating long-term, diversified investment mandates.

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we redefine wealth management to a more fulfilled and well-rounded future

FOUNDERS

Ram Ahluwalia Headshot
Ram Ahluwalia
CEO, Co-CIO, Co-Founder

Ram is the Co-CIO and CEO, overseeing Lumida’s management team and directing the firm’s mission and operating principles. Ram has 20+ years of operating and investment experience, including as the founder of Cross River Crypto, founder and CEO PeerIQ (sold to Cross River Bank), and operating executive at Bank of America and Merrill Lynch. Ram is a CFA Charterholder and earned his BA in Philosophy and Economics from Columbia College.

Peter Loukas Headshot
Peter Loukas
General Manager, Co-CIO, Co-Founder

Pete is the Co-CIO and General Manager of Wealth, overseeing all activities in the Digital Assets Group and Alternative Investments Group, including investment research, portfolio management, and client advisory and engagement. Pete has 12+ years of operating and investment experience, including roles at Lev Capital, Theorem Partners, Cambridge Associates, and Laurel Road. Pete is a CFA Charterholder and CAIA Charterholder, and earned his BA in International Political Economy from Fordham University.

Jonathan Espinosa Headshot
Jonathan Espinosa
Director of Wealth

Jonathan is the Director of Wealth within the Digital Assets Group, where he is responsible for the development and implementation of digital asset investment strategies for HNW and institutional clients. Jonathan has 15+ years of operating and investment experience, including as the co-founder of boutique investment advisor Veracity Capital, Director of Private Client at BlockFi, and an investment advisor at Goldman Sachs, Merrill Lynch, and WE Family Offices ($15B international multi-family office). Jonathan earned his BA in Finance from University of Miami.

Dimitri Roumeliotis Headshot
Dimitri Roumeliotis
Relationship Manager

Dimitri is a Relationship Manager at Lumida where he is responsible for the development and servicing of HNW and institutional clients and their digital asset portfolios. Dimitri has 8 years of crypto native and financial services experience as a senior Institutional Salesperson at Anchorage Digital and a Vice President in Equities at Deutsche Bank. Dimitri earned his BSBA in Finance and International Business from Georgetown University where he rowed Division I Crew.

Justin Guilder Headshot
Justin Guilder
COO, CLO, Co-Founder

Justin is the COO and CLO, overseeing all corporate operations, including finance, legal, compliance, people, and investment advisory operations. Justin has 18+ years of operating, investing, and legal experience, including as Co-founder and CEO of Reserve Trust, Co-founder and Managing Director of boutique investment firm PennAve One, and Attorney at Dentons and Kilpatrick Townsend. Justin earned his JD from The George Washington University Law School and his BA in Business Administration from University of Florida.

Our investors bring deep expertise across digital assets, traditional finance, and financial services regulation

Social Leverage

GP (fmr Head of Data Science at Third Point and WorldQuant)

Social Leverage

GP (fmr Head of Data Science at Third Point and WorldQuant)

Social Leverage

GP (fmr Head of Data Science at Third Point and WorldQuant)

Arthur Levitt
Arthur Levitt

Former SEC Chairman

Howard Linzdon
Howard Linzdon

Founder and Managing Partner, Social Leverage

Ryan Selkis
Ryan Selkis

Founder & CEO, Messari

Mike Dudas
Mike Dudas

Founder and General Partner, 6th Man Ventures

Gokul Rajaram
Gokul Rajaram

Board Member, Coinbase

Raj Date
Raj Date

Founder and Former Dep. Director of the CFPB, Fenway Summer Ventures

Drew Austin
Drew Austin

Founder and General Partner, Red Beard Ventures

Marshall Lux
Marshall Lux

Advisor/Fellow at BCG, McKinsey, Harvard

Henry Pinnell
Henry Pinnell

SMD of Tech Investment Banking, SVB

Matt Ober
Matt Ober

General Partner and Member of Lumida's Board of Directors, Social Leverage

Dev Gopalan
Dev Gopalan

Head of Private Credit, Sagard (former Head of US Private Credit, KKR)

Neal Berger
Neal Berger

Founder, Eagle's View Capital Management

Hany Rashwan
Hany Rashwan

Founder & CEO, 21 Shares