Clear answers before you get started.

Begin by contacting us to briefly discuss your situation. If we move forward, you receive a service agreement outlining the scope and pricing. Once the agreement is signed and the required deposit is paid, your file is created and you receive secure instructions for submitting documents. We do not begin preparing documents or reviewing materials before engagement is finalized.

Many clients work full-time, care for family members, or have schedules that make office visits difficult. Virtual service allows secure document handling, flexible scheduling, and efficient communication without asking you to rearrange your responsibilities.

Sensitive documents are submitted through secure channels after engagement. We do not accept Social Security numbers, identification documents, or immigration records through unsecured messaging platforms. Access to client information is limited and structured.

Work begins only after a signed service agreement and the required deposit are received. Before that point, discussions are informational only.

No. IRS, state, USCIS, and other government filing fees are separate from Lumera's service fees unless clearly stated otherwise.

No. Government agencies and other third parties determine approvals, refund amounts, and credit-report investigation outcomes. Lumera cannot guarantee a specific outcome.

Returns vary based on income types, schedules, states, and specialized forms. A base federal return starts at $150, and additional schedules are added only when needed. Final pricing is confirmed after document review.

You do not need to gather everything before reaching out. After consultation and engagement, you receive a secure portal invitation with a checklist tailored to your filing situation.

Yes. Prior-year returns are prepared separately and priced per year. Addressing unfiled years sooner can help reduce further penalties and complications.

Yes. A draft is provided for your review before submission. You are responsible for confirming that all information is accurate before filing.

No. ITIN preparation using Form W-7 is a separate service because it requires additional documentation and submission procedures.

No. Credit-reporting agencies and data furnishers control investigation outcomes. Lumera prepares and tracks disputes when information may be inaccurate, but cannot guarantee deletions, score changes, approvals, or a specific timeline.

Yes. You may dispute inaccurate information directly with the credit-reporting agencies and obtain your reports through AnnualCreditReport.com. Lumera's service is optional support for clients who want an organized review and dispute process.

No. Lumera does not provide debt settlement, creditor negotiation, loan brokering, legal advice, or financial planning as part of credit-repair services.

The package combines LLC formation assistance, EIN support, state tax registration guidance, domain assistance, and practical digital setup such as business email, Google Business Profile, appointment scheduling, invoicing, intake forms, file organization, and selected account setup. Government fees, subscriptions, domains, and other third-party charges are separate. A website is not included.

The standalone service covers the LLC filing process only. The complete package coordinates formation, EIN, registration guidance, and a broader digital business setup for owners who want a guided start.

No. State filing fees vary and are separate from Lumera's service fees.

No. Lumera assists with document preparation and administrative processes only.

Lumera can assist with resumes, job applications, employment profiles, rental applications, records requests, account setup, and other clearly scoped administrative tasks.

No. Lumera provides administrative preparation and document support only. We do not provide legal or immigration advice, choose legal strategies, or replace an attorney.

Mobile prices are travel and service fees. Authorized notarial-act fees are itemized as required. Tolls, parking, and other third-party costs are separate.

No. Lumera currently offers in-office and mobile notary appointments only.

No. A notary verifies identity and performs the authorized notarial act. Lumera does not provide legal advice or determine whether a document is legally sufficient.

Lumera currently offers certified Spanish-to-English and English-to-Spanish document translations.

No. Government fees, courier charges, postage, and other third-party costs are separate from Lumera's coordination fee.

No. Processing times are controlled by government agencies and delivery providers. Lumera coordinates the administrative process but cannot guarantee agency timing.

Pricing depends on transaction volume, the number of financial accounts, record condition, inventory, payroll, sales-tax needs, and whether personal and business spending are mixed. The final scope is confirmed before work begins.

The starting monthly plan covers one business and one financial account, routine categorization, monthly reconciliation, and a basic financial summary. Tax-ready reports are included.

Yes. Bookkeeping cleanup is quoted after reviewing the number of months, accounts, missing reconciliations, transaction volume, and overall condition of the records.