Lumos Advisory – Your Strategic Finance Partner
We help SMEs across the UAE & GCC with business setup, outsourced CFO support, accounting, and tax compliance
From Numbers to Strategy – We Power Smarter Growth
We go beyond accounting with data-driven insights, tailored financial planning, and strategic foresight — turning your numbers into clear, actionable decisions that help you scale sustainably.
Financial Clarity. Strategic Direction. Sustainable Success.
Whether you're expanding, improving cash flow, or preparing for investors, Lumos Advisory builds the financial foundation you need for long-term stability, profitability, and confident growth.
Welcome to Lumos Advisory
Lumos Advisory has been established by a seasoned and experienced team to be a trusted partner for Small and Medium Enterprises (SMEs) in the United Arab Emirates (UAE) as they circumnavigate the dynamic challenges and uncertainties of tomorrow.
From early-stage ventures seeking strategic direction to established businesses pursuing performance improvement and scalability, our advisory offers bespoke solutions addressing the specific needs of every prospective client.
We are proud to help SME owners and stakeholders make informed decisions, manage business risks, and add value at every stage.
Our Way
Welcome to Lumos Advisory
Lumos Advisory has been established by a seasoned and experienced team to be a trusted partner for Small and Medium Enterprises (SMEs) in the United Arab Emirates (UAE) as they circumnavigate the dynamic challenges and uncertainties of tomorrow.
From early-stage ventures seeking strategic direction to established businesses pursuing performance improvement and scalability, our advisory offers bespoke solutions addressing the specific needs of every prospective client.
We are proud to help SME owners and stakeholders make informed decisions, manage business risks, and add value at every stage.
About Us
Who We Are?
We’re a team of experienced finance and strategy professionals with 30+ years of combined experience across Big 4 firms and leading multinationals. Our varied industry exposure gives us hands-on expertise in finance, strategy, and commercial leadership, helping businesses make better decisions and execute with confidence.
Our Vision
To build a scalable advisory platform that empowers SME owners and stakeholders to define a clear financial roadmap, achieve their business objectives, and drive sustainable, profitable growth.
Our Mission
Our mission is to help SMEs thrive by delivering data-driven insights, practical decision tools, and tailored, cost-effective strategies—built for long-term success and priced to stay accessible.
Why SMEs Matter — Our Purpose
SMEs are the backbone of the UAE economy, representing over 94% of all companies and contributing more than 60% to the non-oil GDP.
At Lumos Advisory, we recognize their immense potential—and the challenges they face. Our mission is to empower SME owners and decision-makers with accessible, high-quality financial expertise that drives resilience, innovation, and sustainable growth.
From financial discipline to digital transformation, we help SMEs move forward with clarity and confidence—today and into the future.
Your Trusted Partner in Financial Clarity
Trust is earned when actions meet words. At Lumos Advisory, we don’t just give advice , we stand beside you, guiding your business with integrity, expertise, and unwavering commitment
Our Core Services
We offer tailored solutions for every stage of your business journey—from initial setup to growth, transformation, and long-term performance improvement.
We offer tailored solutions for every stage of your business journey—from initial setup to growth, transformation, and long-term performance improvement.
Fractional CFO & Financial Management
Strategic leadership without the full-time cost.
Our Fractional CFO services give you access to senior financial expertise on demand—helping you scale effectively while controlling overheads.
Our CFO Services Include:
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Outsourced CFO and Financial Management
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Budgeting, Forecasting, and MIS Dashboards
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Cash Flow and Working Capital Management
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Investor Reporting and Board Presentations
With Lumos as your financial partner, you gain an outcome-focused finance function that brings visibility, discipline, and strategic insight to your business decisions.
Business Setup & Corporate Advisory
Simplifying business formation in the UAE.
Whether you’re a startup founder, a growing enterprise, or an international business expanding into the GCC, Lumos Advisory makes your UAE business setup smooth and compliant from day one.
Our Services Cover:
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Company Formation and Structuring
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Regulatory, Licensing, and Banking Setup
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Accounting and Compliance Frameworks
We handle the complexities—you focus on building your business. With our advisory, your company gets a solid foundation for long-term success.
Financial Feasibility & Valuation Advisory
Turn business ideas into investment-ready ventures.
Our feasibility studies and valuation services help investors, entrepreneurs, and management teams validate opportunities with data-driven insights.
Our Expertise Includes:
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Financial Feasibility Studies and Project Modeling
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Business Valuations and Investment Analysis
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Investor Readiness and Transaction Support
Every model and forecast we build is tailored, detailed, and designed to inform smarter investment decisions.
Where We Operate
Nationwide spread of warehouses
Our Clients
Accutree HR Consultancy
Wadi A’a Zafran Exotic Spice Retail
M’OISHI F&B Retail
UCHI F&B
Metaled Trade Steel Trading
The Juice Lab F&B Retail
Accutree HR Consultancy
Luxtron Commodity Trading
Other Services for Smarter Decision-Making
Beyond core financial services, Lumos Advisory provides strategic and digital enablement solutions to help clients improve performance, manage risk, and accelerate growth.
Strategy & Performance Improvement
Data-driven strategies. Real results.
We work closely with management teams to create actionable business plans and implement measurable performance improvements.
How We Help:
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Business Plans and Execution Roadmaps
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Cost Optimization and Profitability Enhancement
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Performance Diagnostics and KPI Frameworks
Beyond core financial services, Lumos Advisory provides strategic and digital enablement solutions to help clients improve performance, manage risk, and accelerate growth.
Strategy & Performance Improvement
Data-driven strategies. Real results.
We work closely with management teams to create actionable business plans and implement measurable performance improvements.
How We Help:
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Business Plans and Execution Roadmaps
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Cost Optimization and Profitability Enhancement
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Performance Diagnostics and KPI Frameworks
Our focus is always on delivering sustainable results that strengthen your bottom line and position your business for future growth.
Market & Industry Research
Know your market. Grow with confidence.
We deliver in-depth market and industry insights to help businesses evaluate opportunities, understand competition, and make informed strategic moves.
Our Research Capabilities:
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Market Sizing and Opportunity Analysis
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Competitive Mapping and Benchmarking
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Trend Forecasting and Strategic Insights
Every report we produce helps clients see the bigger picture—empowering them to move with purpose and precision.
Accounting and Financial Reporting
Our accounting services go beyond basic bookkeeping — we help businesses maintain accurate financial records, manage compliance, and make sense of their numbers. From preparing financial statements and handling reconciliations to streamlining monthly closings, we ensure transparency and clarity in your financial data. With reliable reporting and actionable insights, you gain a clearer view of your company’s performance and make smarter business decisions.
Why Choose Lumos Advisory
01
Integrated Finance-as-a-Service Offering
We combine financial management, business advisory, and digital tools—all in one place—ensuring seamless collaboration and better decision-making.
02
Strategic Insight Meets Practical Execution
Our team not only builds strategies but also helps you execute them through measurable KPIs and performance tracking.
03
Experienced Professionals
With over 30 years of cumulative experience from Big 4 firms and top-tier corporations, our advisors bring unmatched expertise to every engagement..
04
Bespoke and Scalable Solutions
We understand that no two businesses are the same. Our modular services adapt to your stage, size, and strategic priorities.
05
Client-Centric Partnership
We believe in long-term relationships built on trust, transparency, and tangible results. Your success is our best reference.
Meet the Experts Behind Lumos Advisory
Together, they bring big-firm expertise to the SME ecosystem, offering personalized and actionable advice that creates measurable impact.
Paramita Nag - CA - ICAI, B-Com
A Chartered Accountant with 12+ years of experience in finance, audit, and corporate strategy. Paramita has led ERP implementations, financial restructuring, and internal control design, ensuring accuracy, compliance, and operational excellence for growing businesses.
Siddharth Nag - CFA, MBA, IIM, B-Eng.
A seasoned C-Suite executive with over 15 years of experience in strategy, finance, and commercial leadership. Siddharth has driven large-scale transformations, M&A advisory, and valuation projects across healthcare, education, and private equity sectors in the UAE and India.
What People Say
Robert Rose
Lumos Advisory transformed the way we manage our finances. Their Fractional CFO support gave us clarity and confidence in every decision.
Alex Smith
The team at Lumos provided actionable insights that helped us optimize cash flow and scale efficiently. Their advice is always practical and results-driven.
Drew Carlyle
With Lumos Advisory, we now have a clear roadmap for growth. Their expertise in strategic planning and financial management is unmatched.
Jessica Davis
From business setup to performance improvement, Lumos guided us every step of the way. Their support has been invaluable for our SME journey.
Book a Free Consultation
Ready to strengthen your financial foundation, improve performance, or expand into new markets? Our experts are here to guide you every step of the way.
Talk to an Advisor | Chat with Us on WhatsApp | enquiries info@lumosadvisory.me