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Invest beyond
the ordinary
as seen in:
Lumida is a digitally native, SEC registered investment advisor specializing in alternative investments and digital assets.
We provide our clients with discretionary and non-discretionary advisory services, access to venture capital and private equity, digital assets and credit investments, all with high touch client service.
Our Origin Story
We created Lumida because we recognized that the world was changing — new technologies and asset classes were emerging against the backdrop of unprecedented global uncertainty — yet we were not getting the service, insight, or access we needed in this new era of investing.
We recognized that others shared our frustration and also needed a digitally native, trusted advisor who can help them preserve and create wealth.
With this vision, Ram founded Lumida to offer a more innovative investment strategy, especially as the traditional 60/40 model faces challenges in today’s inflation-driven environment.
Lumida CIO
Ram Ahluwalia
Ram Ahluwalia, CFA is an investment professional recognized for his ability to identify undervalued opportunities across asset classes. He has been featured in The Wall Street Journal, Bloomberg, CoinDesk, American Banker, and CNBC, and has co-authored pieces with figures like former SEC Chair Arthur Levitt.
Ram founded Lumida to bring an endowment-style approach to wealth management, focusing on long-term growth and preservation. His strategy combines top-down themes, bottom-up analysis, and quantitative insights, with a blend of alternative assets such as private credit, real estate, and digital assets.
Born in Detroit and raised in Upstate New York, Ram attended Phillips Exeter Academy and studied Philosophy and Economics at Columbia University. He built his expertise early in his career at Merrill Lynch and Bank of America.
Ram’s insights reach over 50,000 followers through his Lumida Ledger newsletter and social media. He enjoys his time with his wife and growing family just outside of New York City while continuing to build and shape the future of Lumida Wealth Management.
Our Services
Lumida is proud to support you on your way. Learn more about our services to see how we can help you
Investment Management
Family Office
Private deals
Lumida ETF
Digital Assets
Our Insights
Insights on the macro, markets and alternatives, that are top of mind for investors, executives and policymakers.
Riveting conversations with pioneering business and cultural leaders about leadership, strategy, and offbeat opportunities across diverse sectors. Each episode dives into unique ideas and insights, challenging mainstream investment thinking and uncovering hidden gems & strategies.
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Integrate investment excellence with the best of trust, tax, and estate. We take a cross-asset class approach, and seek contrarian and overlooked opportunities. We believe compounding wealth tax efficiently.
We start with a top-down perspective - assessing macro, policy and regulation to identify key trends. We then layer in a bottoms-up investment analysis to produce a well-balanced portfolio.
Successful founders and executives with significant wealth are focused on growing and protecting their financial assets. They understand the necessity of smart risk control and investment in a dynamic economy. They want to make wise choices to achieve their long-term objectives, so they seek expert guidance.
Your Journey. Our Expertise
Disclaimer: The tweets below are provided by individuals on social media who may or may not be Lumida clients. They were not compensated or paid for these mentions. These individuals have no material conflicts of interest with Lumida. The views expressed are solely those of the individual and do not constitute an endorsement or recommendation of Lumida or its services.Individual experiences may vary, and past performance is not indicative of future results.