About Us

Luther Ensminger, Jr. CLU, ChFC, CPA

Financial Consultant
At Retirement Group Retirement Planning Specialist
Phone: (703) 205-0352
Fax: (703) 207-0942
E-mail:

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.



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

Retirement Planning Specialist title awarded by Equitable Advisors, based upon receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania.

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.

Securities offered through Equitable Advisors, LLC (NY,NY 212-314-4600), member FINRA/SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC registered investment advisor.

Annuity and insurance products offered through Equitable Network, LLC, which conducts business in CA as Equitable Network Insurance Agency of California, LLC, in UT as Equitable Network Insurance Agency of Utah, LLC, and in PR as Equitable Network of Puerto Rico, Inc. Equitable Advisors and its affiliates do not provide tax or legal advice. Please consult your tax and legal advisors regarding your particular circumstances. Individuals may transact business, which includes offering products and services and/or responding 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.

Equitable Advisors, LLC is an Equal Opportunity Employer M/F/D/V

For more information about Equitable Advisors, LLC you may visit equitable.com/crs to review the firm’s Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure. Equitable Advisors and Equitable Network are brand names for Equitable Advisors, LLC and Equitable Network, LLC, respectively.

Link to equitable.com

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