My name is Lu Ensminger. Welcome to my website.


As a financial professional with AXA Advisors, LLC, I am dedicated to helping individuals, families and business owners prepare for the future.

 Risk management planning, coordinated with sound investment plan design and periodic reevaluation are the foundation of all education, retirement, chronic illness, survivor income and wealth transfer planning. We help individuals and families determine how they can achieve the financial security to live to their fullest potential, and then determine how they can communicate their values to future family generations and society.

Growing businesses often need help solving the challenges of rewarding owners, key managers and employees and assuring business ownership continuity.  My education and professional experiences as a CPA, healthcare financial officer and financial advisor have fostered my practical approach to offering planning services and financial products to clients.  We work with you and your legal, accounting and tax advisors to identify, develop and implement optimal solutions.

Over my 20 year Financial Advisor career, I continually develop my professional skills by regularly attending industry training and certification programs. This includes acquiring the following designations, recognition and licenses:


  • Chartered Life Underwriter (CLU)
  • Chartered Financial Consultant (ChFC)
  • FINRA Securities Registration: Series 6, Series 7, Series 24, Series 63 and Series 65
  • Life and Health Insurance License
  • AXA Advisors LLC  Hall of Fame



My academic achievements and work experience include:



  • CPA designation
  • A Bachelors of Science in Business Administration from Virginia Tech University
  • Wharton Certificate in Retirement Planning
  • AXA Institute on Asset Allocation and Wealth Management Strategies in 2009 and 2012
  • Twenty plus years prior experience as a CPA and senior healthcare financial officer



Maintaining a strong, solid professional foundation is very important to me. My professional affiliations include:



  • Lifetime Member of the Million Dollar Round Table
  • Member of the Society of Financial Services Professionals
  • The Virginia Society and American Institute of CPA’s
  • Member of the Financial Services Institute



My wife Dira and I have lived in Oak Hill, VA since 1991. We enjoy traveling; support the Virginia Tech Hokies, the Washington Nationals, and the Kennedy Center. Thanks for visiting my website. I look forward to hearing from you in the future.