Institutional discipline
for private wealth.
We allocate your capital the way an institution allocates its own — while keeping your goals in focus.
The Problem Today
The status quo: products first, advice second.
This is the model most high earners still get: products sold first, advice second, leaving a fragmented financial life. It's the status quo Lucerna was built to replace — and four of the gaps it leaves open.
A portfolio without a plan
Investment-only shops manage the money and ignore the tax, the equity comp, and the life goals it is meant to fund.
A plan without depth
Planning-only firms hand you a binder, then route the portfolio to generic models they did not build and did not tailor to you.
No one coordinating
Your CPA, attorney, and advisor don't speak to each other, so decisions fall through the gaps between them.
Advice without ownership
You get recommendations from several directions, but no one is accountable for how it all turns out.
Who We Serve
Professionals whose success demands a higher level of financial strategy.
We work best with people whose financial lives have real moving parts — equity compensation, a concentrated position, a business, a retirement in view. The kind of complexity that rewards a coordinated hand.
- “My company is going public — what do I actually do with my equity?”
- “I'm holding too much of one stock. How do I diversify without a punishing tax bill?”
- “We're a few years from retiring. Will the plan really hold?”
- “My CPA, attorney, and advisor have never spoken. Who connects the dots?”
Our Approach
Six pillars driving capital allocation.
Everything begins with where your capital should go. Six dimensions shape that decision — and keep it aligned with your goals as they evolve.
Cash Flow & Liquidity
Income, reserves, debt, big-ticket expenses.
Tax Strategy
Harvesting, Roth conversions, withdrawal order.
Protection & Legacy
Insurance sized right; an estate that works.
Capital
Allocation
Equity Comp & Concentrated Stock
RSUs, ISOs, diversification.
Retirement & Income Planning
Work-optional, Social Security, healthcare bridge.
Life Events
IPO, job change, education planning, a sale.
Every decision serves where your capital should go — keeping your goals in focus.
How We Work
Five steps, repeated as life changes.
Organize
We consolidate the full picture — accounts, equity comp, taxes, goals — into one view.
Design
A goal-based plan and target allocation built to your objectives and timeline.
Optimize
Proactive tax efficiency, equity-comp timing, and coordination across every financial decision.
Implement
Low-cost, considered portfolio construction; accounts and beneficiaries put in order.
Steward
Ongoing management across a full market cycle — reviewed and adjusted as life changes.
A continuous cycle — not a one-time plan.
Engagement Model
Goal-based, and genuinely integrated.
Your goals set the capital allocation. The allocation drives the portfolio and the plan together — not in separate silos, and not once a year.
Financial Planning
Actionable financial planning designed to cover every part of your wealth, scaled to your needs.
Investment Management
Ongoing, discretionary management of your portfolio around a capital allocation built for you.
Integrated Wealth Management
Investment management and year-round planning combined into a single, cohesive partnership.
Fee details for each engagement are set out in our Form ADV Part 2A.
Why Lucerna
Institutional experience. Independent advice. No products to sell.
What sets Lucerna apart from the traditional wealth-management options.
Institutional expertise
- Decades of institutional investment-management background.
- Rigorous risk management and core portfolio construction.
- Sophisticated asset-allocation strategies tailored to your goals.
Trusted partners
- Deep expertise evaluating sophisticated asset classes.
- Objective guidance to navigate complex financial decisions.
- Thoughtful stewardship of your entire balance sheet.
High-touch service
- Direct access to two experienced Managing Partners.
- Decisions made with you — not routed to junior account managers.
- Continuous coverage and continuity over time.
Fee-only advice
- Fiduciary duty aligned exclusively with your best interests.
- No third-party kickbacks, soft dollars, or hidden product incentives.
- A transparent structure built for objective, unbiased guidance.
Who We Are
The partners behind your plan.
Both principals are Managing Partners who work across investments, planning, and client relationships. Every engagement involves both partners — you deal with senior decision-makers directly.
Deepesh Srivastava, CFA
Eighteen-plus years in institutional investment management, most recently Managing Director and Portfolio Manager at Nuveen.
Sudeep Goel, MBA
Two decades across finance and real assets, including work as a licensed California real estate broker.
The Name
Lucerna is Latin for lamp.
A steady light to steer by — the root both founders' names share, and the idea behind the firm: clarity and stewardship, kept constant as life changes.