Our Management
Ashok Pandey is the Founder of Luminary working money Financial Services LLP, a premier platform dedicated to empowering individuals through professional Mutual Fund Investment strategies.
Through his leadership at Luminary working money and his educational initiative “Read To Expand” (R2E), Ashok focuses on bridging the gap between personal financial goals and actionable investment solutions. His mission is to promote financial literacy and a disciplined approach to wealth creation through diversified mutual fund portfolios.
Under Ashok’s guidance, Luminary working money serves as a vital resource for those looking to build a stable financial future. He continues to influence investors by championing the philosophy that consistent, informed investing is the most reliable path to financial success.
Niraj Choudhary is the visionary co-founder of Luminary Working Money Financial Services LLP, a firm built with a powerful mission — to help individuals and families “Let Money Work.”
With over 20 years of corporate experience, including his tenure at GE where he worked on strategic and high-impact financial projects, Niraj developed deep expertise in financial systems, structured planning, risk management, and operational excellence. His corporate journey shaped his disciplined mindset, analytical thinking, and long-term strategic approach — qualities that now define Luminary’s philosophy.
In 2019, Niraj began his entrepreneurial journey by founding HomeAmbit.com, a property management and real estate services company that grew into a trusted and successful brand serving homeowners across Bangalore and NCR. The success of HomeAmbit demonstrated his ability to build systems-driven businesses, earn client trust, and scale operations sustainably.
Through his close engagement with property owners and professionals, Niraj recognized a critical gap — many individuals lacked structured financial planning and disciplined investing habits despite earning well. This realization became the turning point.
Leveraging his financial knowledge and entrepreneurial success, Niraj co-founded Luminary Working Money alongside veteran finance professional Ashok Pandey. The vision was clear — to help clients achieve true financial independence through structured, goal-based investment strategies.
At Luminary, Niraj drives vision, client engagement, financial literacy initiatives, and promotes disciplined investing as the foundation of wealth creation.
To make Luminary Working Money a trusted wealth partner that empowers individuals and families to transition from income earners to financially independent wealth creators.
He believes money must not just be saved — it must be structured, invested intelligently, and aligned with life goals.
“Income gives comfort. Investments create freedom. Structured wealth creates legacy.”
Through Luminary Working Money, Niraj is dedicated to adding value to his clients, guiding them toward financial clarity, and helping them achieve long-term independence with discipline, strategy, and confidence.
