Hardworking Capital Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$189,971,714
Clients
269
Advisors
2
of 2 employees
About
Hardworking Capital Advisors provides investment advisory and financial planning services to individual clients (including high‑net‑worth individuals), charitable organizations, and businesses. The firm offers discretionary portfolio management, standalone financial planning, project‑based consulting, and retirement/401(k) plan consulting.
The firm develops detailed account profiles and manages portfolios through its Portfolio Navigator program, implementing firm models and third‑party model providers and platform services (including SMArtX) for trading, reporting, and sub‑advisory support. HWC discloses that it may use derivatives in separately managed accounts and has recently updated disclosures addressing risks tied to securities‑backed lines of credit and the firm’s use of artificial intelligence tools.
Distinctive features include a relatively small advisory team managing roughly $200 million in discretionary assets across multiple service tiers, and a practice that combines advisory services with affiliated brokerage and insurance activities—a potential conflict the firm discloses and manages. The firm also emphasizes higher‑complexity, project‑based planning and coordination with other professionals, and the use of third‑party sub‑advisers and model portfolios to implement client strategies.
Client services
Expertise
Occupation focus
Fee options
Flat fees range from $895 to $1,800 annually for Strategic Wealth Planner services; $2,400 to $50,000 annually for Carefree Solutions services; fixed fees for financial plans between $250 and $35,000.
$0 - $250,000: 1.35% $250,001 - $500,000: 1.15% $500,001 - $1,000,000: 0.75% $1,000,001 - $3,000,000: 0.70% $3,000,001 - $5,000,000: 0.60% $5,000,001+: 0.50%
Commission compensation for insurance products and securities products sold by representatives registered as broker-dealer representatives or insurance agents.
Hourly consulting fees up to $1,000 per hour; standalone financial planning hourly fees up to $500 per hour (negotiable).
Account minimum: $250,000 Fee-only: Hourly fees up to $1,000 per hour; flat fees from $895 to $50,000 annually for certain services; fixed fees for financial plans between $250 and $35,000.
Main office
34220 Gateway Drive, Suite 120
Palm Desert CA 92211
Advisors at this office
2
Most active in
Arizona · California · Colorado · Oregon · Texas
Also doing business as
Hardworking Capital Advisors, L.L.C. · Hardworking Capital Advisors, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
James E
Series 63, Series 65
Palm Desert, CA
Hardworking Capital Advisors, LLC
James Eckley is an investment advisor representative at Hardworking Capital Advisors, LLC with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Cetera Advisor Networks, Girard Securities, KIPP Financial Group, and NPB Financial Group. In addition to his advisory work, Eckley is involved in life insurance sales and sells life settlements through a separate business. Hardworking Capital Advisors serves high-net-worth individuals, charitable organizations, and businesses by providing discretionary investment management, financial planning, and pension consulting. The firm employs a suitability-driven process using model portfolios and third-party managers, and it may incorporate derivatives and options strategies in client accounts.
Mathew M
CFP®, Series 63, Series 66
Palm Desert, CA
Hardworking Capital Advisors, LLC
Mathew Mellier is a CFP® professional with 24 years of industry experience, currently serving at Hardworking Capital Advisors, LLC. His prior roles include positions at Emerson Equity LLC and Cetera Advisor Networks LLC. Mellier is also involved in life insurance and index annuity sales as part of his financial planning services. Hardworking Capital Advisors serves high-net-worth individuals, charitable organizations, and businesses, providing discretionary investment management, financial planning, and pension consulting. The firm employs a suitability-driven process and utilizes model portfolios and third-party managers, with a small team managing approximately $192 million across several hundred clients.
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