01 · CLARITY
See the bigger picture
Bring recorded financial information together so spending, income, budgets and commitments are easier to understand.
ABOUT LUMOS
Built to make everyday money easier to understand.
Lumos is a Canadian personal finance and budgeting platform being developed to bring accounts, spending, budgets, upcoming bills and financial insights into a clearer picture.
Private beta · Invited testersTHE PERSON BEHIND LUMOS
Meet the founder.
Brandon Hans Ebrecht (Hans) is a Canadian entrepreneur and financial markets professional with more than two decades of experience in investing, trading and business development.
His background spans equities, foreign exchange, digital assets and investment management, with a focus on financial analysis, capital allocation and risk management. In 2016, he founded KH Capital Management, where he has held leadership responsibilities as Chief Executive Officer and Chief Investment Officer. His entrepreneurial background also includes brokerage, e-commerce and technology ventures, alongside academic studies in Economics and Biological Sciences.
Hans developed an appreciation for the gap between navigating complex financial markets and managing everyday personal finances. The practical challenges of budgeting, tracking recurring expenses and coordinating shared household responsibilities inspired him to build Lumos.
As founder, Hans leads Lumos's vision and product direction. Now in private beta, Lumos is being developed to help individuals and households understand their spending, create realistic budgets and make more informed financial decisions—without requiring professional financial expertise.
MISSION & DIRECTION
Clarity before complexity.
02 · CONTROL
Make informed choices
Use practical tools and insights without giving up control over the underlying records, categories and plans.
03 · CANADIAN FOCUS
Made with Canada in mind
Designed around Canadian budgeting needs, with CAD-first examples, optional supported bank connectivity and import workflows.
04 · LONGER TERM
Personal and shared finances
Build toward tools that support people managing their own money and the responsibilities they share with a household.