Lumisara

About Lumisara

Australia's super and wealth system is shifting from accumulation-focused to retirement-outcomes driven.

Lumisara's research and product design expertise helps super funds, asset managers and wealth firms deliver retirement products and retention tools across the financial lifecycle.

Who we help

We advise super, funds management, wealth and advice teams tackling:

Retirement Income Covenant

  • Retirement income strategy reviews.
  • Member outcome assessments.
  • Member cohorts/segmentation for RIC & SPS 515

Advice at scale

  • Scalable advice models that link intra-fund and comprehensive advice
  • Advice flows frontline teams can deliver.
  • Guardrails, nudges and defaults to reduce CX frictions.

Product engagement & analytics

  • Embeddable calculators & decision tools.
  • Ideation and design sprints.
  • Measure what works; test copy and thresholds.

We collaborate across super, asset management, wealth guidance, advice and FinTech.

What we do

From evidence to in-market solutions — pick the help you need

Research & Advisory

Evidence packs that secure board buy-in
  • Whitepapers; market, policy & product analysis.
  • Convert noisy data into clear choices: segments, journeys, trade-offs.
  • Strategy with success measures tied to member outcomes and OKRs.

Products & Embeddable Tools

Ship tools members use and compliance trusts
  • Co-design flows that improve engagement.
  • White-label calculators with analytics baked in (events, completions, referrals).
  • Dashboards that show progress to teams and boards.

Workshops & Enablement

Align teams, lift capability, pilot in weeks.
  • Workshops, playbooks, and train-the-team sessions.
  • Product development to scale existing offerings.
  • Governance, measurement, and feedback loops.

Who we are

50+ years' combined experience across super, retirement, wealth and advice. We help clients turn ideas into solutions, and solutions into outcomes; from retirement strategy and income products to end-to-end advice journeys.

As a consultant, Harry designed an award-winning retirement-income product for Equip Super. He and Sahil then co-founded and exited a self-licensed (MDA) digital-advice platform which served retail investors, created a scaled digital advice solution for a super funds, and was white-labelled by wealth advisory practices.

Portrait of Harry Chemay

Harry Chemay

Retirement Strategy & Policy

Over 30 years in financial services across financial planning, wealth management, asset consulting and superannuation product design (KPMG, Colonial/CBA, Mercer). Focused on the retirement (decumulation) phase, Harry connects evidence and policy settings to practical designs that lift member outcomes.

A former Certified Financial Planner and Certified Investment Management Analyst, his qualifications include a BBus (Banking & Finance, Monash), GradDip in Applied Finance & Investments (Finsia), and GradCert in SMSFs (University of Adelaide).

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Portrait of Sahil Kaura

Sahil Kaura

Product Strategy & Operations

Finance and product leader with 20+ years at the intersection of institutional investing and wealth technology. Early career in investment strategy and portfolio management (Mercer, AIA). Today he helps wealth managers and Fintechs turn ideas into shippable products - from first build through rollout and scale.

Sahil holds an MBA from the University of Melbourne, is a CFA charterholder and a Financial Risk Manager, certified by the Global Association of Risk Professionals.

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We work with a trusted network of subject-matter experts when projects call for it.