The Firm
A private office built for Australian families with real complexity.
Lumion was founded by Stephen Kostarelas, a private wealth adviser with two decades of experience serving high-net-worth families, executives, and business owners across Australia.
We exist for clients who want something different: a trusted partner who understands the full picture. Not just the portfolio, but the family, the business, the succession, and the legacy.
As an independent firm, we have no conflicts. Our advice is structured around your interests alone, and our fee model reflects that.
Our People
Stephen Kostarelas.
Private Wealth Adviser
Stephen brings more than two decades of experience, advising high-net-worth and ultra-high-net-worth Australian families, executives, and business owners. His career began in commercial finance as a Chartered Accountant, which included a senior finance leadership role at an ASX listed company, before transitioning entirely to private wealth advisory.
Prior to founding Lumion Private Wealth, Stephen served as Director and Private Wealth Adviser at a leading Perth-based firm, where he led its private client division. In that role, he advised families on complex intergenerational wealth, SMSF strategy, business succession, and philanthropic giving.
Stephen founded Lumion Private Wealth to offer that same level of deeply personalised service and unconflicted advice across complex wealth, family, and business matters.
Cara Graham.
Private Wealth Adviser
Cara brings 20+ years in financial services and specialises in high-net-worth and ultra-high-net-worth business owners, mining, property and medical executives, widows and divorcees, multigenerational families, and family offices.
Her work spans investment management, superannuation, cash flow and wealth structuring, estate and legacy planning, family governance, tax-efficient strategies, risk management, and philanthropy. She brings clarity, confidence, and freedom to decisions aligned with each client's personal values and long-term objectives.
Before Lumion, Cara spent 15+ years at a Perth advice firm working with complex private clients and mentoring advisers. She joined Lumion to provide personalised, independent, unconflicted advice across complex wealth, family, and business matters.
Suzanne McMillan.
Client Manager
Suzanne brings more than 35 years of experience across the financial services industry, with a background spanning insurance, superannuation, pensions, investments, lending, and cash and share trading. Her career has included a diverse range of roles across administration, client service, complaints handling, training, business analysis and project management, providing her with a broad and practical understanding of the industry.
As a Client Manager, Suzanne draws on this depth of experience to support clients and advisers with care, efficiency and insight. She takes pride in sharing her knowledge, ensuring clients feel supported and confident as they move forward in achieving their goals.
At the heart of her approach is a genuine commitment to helping people navigate their financial journey with clarity and ease.
Our Expertise
Where we add enduring value.
Four integrated disciplines. One cohesive strategy for your family's financial future.
Wealth is not merely accumulated; it is deliberately structured, meticulously preserved, and thoughtfully transferred.
Begin a Conversation
Ready to discuss your future?
We welcome enquiries from prospective clients and their advisers. All consultations are conducted with absolute discretion.
Request a ConsultationPrincipal Office
Subiaco WA 6008
Lumion Private Wealth Pty Ltd ABN 30 695 945 987 is an Authorised Representative of Boutique Advisers Pty Ltd AFSL 554650