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Luther Ensminger Jr., ChFC, CLU,CPA

Luther Ensminger Jr., ChFC, CLU,CPA

Chief Financial Strategist & Retirement Planning Specialist

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Lu works with high net worth clients to develop, implement and manage sound Wealth accumulation and estate transfer, risk management and investment plans to achieve financial security today and in the future.

Lu helps growing businesses to solve the challenges of rewarding owners, key managers and employees assuring business ownership continuity.

Over his 25-year financial advising career, Lu has continued his training and certification earning the following designations and recognitions:

  • Chartered Financial Consultant (ChFC)
  • Chartered Life Underwriter (CLU)
  • Certified Public Accountant
  • FINRA Securities Registrations 7, 24, 63, 65
  • Life and health insurance licenses
  • BS of Business Administration – Virginia Tech University
  • Wharton Certificate in Retirement Planning
  • Equitable Institute on Advanced Asset Allocation and Wealth Management Strategies
  • Equitable Advisors LLC Hall of Fame
  • Lifetime Member of Million Dollar Roundtable
  • Member of the Society of Financial Services Professionals
  • Member of the Virginia Society and American Institute of CPAs
  • Member of the Financial Services Institute

Lu and his wife, Dira, have lived in Oak Hill, VA since 1991, enjoy traveling, supporting the Virginia Tech Hokies, the Washington Nationals, and the Kennedy Center.

The Retirement Planning Specialist title is awarded by Equitable Advisors, based upon the FP’s receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. In a collaboration between the Wharton School and Equitable Advisors’ affiliate, Equitable Life Insurance Company (NY, NY), coursework for the certificate was developed exclusively for Equitable Advisors FPs, and the title may be used only by FPs who have completed the required coursework and maintain the title through ongoing continuing education requirements. To verify that an FP has earned and holds the title in good standing, contact Equitable atretirement@equitable.com. Complaints about an Equitable Advisors FP should be directed to customer.relations@equitable.com.


1804 Financial Group is not a registered investment advisor and is not owned or operated by Equitable Advisors, LLC or its affiliates.

The Retirement Planning Specialist title is awarded by Equitable Advisors, based upon the Financial Professional's (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. In a collaboration between the Wharton School and Equitable Advisors' affiliated life insurance carrier, coursework for the certificate was developed exclusively for Equitable Advisors FPs, and the title may be used only by FPs who have completed the required coursework and maintain the title through ongoing continuing education requirements. To verify that an FP has earned and holds the title in good standing, contact us at atretirement@equitable.com. Complaints about an Equitable Advisors FP should be directed to customer.relations@equitable.com.

California Insurance License #: 0C87378

Securities and investment advisory services offered through Equitable Advisors, LLC (NY,NY 212-314-4600), member FINRA/SIPC(Equitable Financial Advisors in MI & TN). Annuity and insurance products offered through Equitable Network, LLC and its insurance agency subsidiaries. Equitable Network, LLC does business in California as Equitable Network Insurance Agency of California, LLC, in Utah as Equitable Network Insurance Agency of Utah, LLC, and in Puerto Rico as Equitable Network of Puerto Rico, Inc. Equitable Advisors and its affiliates do not provide tax or legal advice. Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly registered and/or licensed. The information in this web site is not investment or securities advice and does not constitute an offer.

1804 Financial Group is not owned or operated by Equitable Advisors, LLC or its affiliates.