Illumination Wealth Management logo

Illumination Wealth Management

Updated today

Client AUM

$461,582,489

Clients

203

Advisors

11

across 11 offices

About

Illumination Wealth Management is a fee‑only registered investment adviser serving individuals, high‑net‑worth clients, trusts, corporations and retirement plans. The firm’s nine‑advisor team manages about $471 million for roughly 200 clients and provides integrated Financial Life Management (comprehensive planning plus investment management), pension consulting, and business‑owner exit planning.

The firm builds client‑specific investment policy statements and manages assets using model portfolios that combine strategic and tactical asset allocation. Portfolios typically use ETFs, mutual funds and individual securities, with private placements considered for suitable accredited investors; the firm emphasizes a long‑term, values‑linked planning process and ongoing monitoring.

What distinguishes Illumination within its peer group is its multi‑office structure (nine offices), an affiliated family office that offers bookkeeping, payroll and other personal/business administrative services, and a Financial Life Management program that measures engagement using client income and net‑worth metrics alongside traditional asset‑based management. The team includes multiple CFP®‑credentialed planners and offers both discretionary investment management and workplace/plan consulting, blending family office functions with advisory services.

Client services

Financial planning Portfolio management Pension consulting Wealth management

Expertise

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy

Occupation focus

Founder/Business Owner Retired

Demographic focus

Values-based investing

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Fee options

Percentage

$0 - $2,000,000: 0.50% of net worth (Financial Life Management) $2,000,001 - $3,000,000: 0.40% of net worth (Financial Life Management) $3,000,001 - $5,000,000: 0.30% of net worth (Financial Life Management) $5,000,001 - $10,000,000: 0.20% of net worth (Financial Life Management) $10,000,001+: 0.10% of net worth (Financial Life Management) $0 - $500,000: 1.00% of adjusted gross income (Financial Life Management) $500,001 - $1,000,000: 0.80% of adjusted gross income (Financial Life Management) $1,000,001 - $2,000,000: 0.60% of adjusted gross income (Financial Life Management) $2,000,001+: 0.40% of adjusted gross income (Financial Life Management) $0 - $99,999: Flat fee $1,500 minimum (Investment Management) $100,000 - $249,999: 1.50% (Investment Management) $250,000 - $499,999: 1.35% (Investment Management) $500,000 - $999,999: 1.20% (Investment Management) $1,000,000 - $2,999,999: 1.00% (Investment Management) $3,000,000+: 0.90% (Investment Management)

Other

Account minimum: $100,000 Minimum fee: Financial Life Management: Minimum quarterly fee $2,000; Investment Management: $1,500 minimum for accounts below $100,000; Pension Consulting: $500 minimum annual fee Fee-only: Fees are flat annual fixed fees and asset-based fees; no commissions accepted.

Main office

See office

11622 El Camino Real, Suite 100

San Diego CA 92130

Advisors at this office

1

Most active in

Arizona · California · Colorado · Florida · Idaho · Illinois · Indiana · Minnesota · New Hampshire · New York · Oregon · Texas · Virginia · Wisconsin

Also doing business as

Illumination Wealth · Illumination Wealth Management · Name 804 · Rinkey Investments

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Kimberly N

CFP®, Series 63, Series 65

La Grange, TX

Illumination Wealth Management

Kimberly Mamaril is a CFP® professional with six years of industry experience, currently serving as an advisor at Illumination Wealth Management. Her prior roles include positions at T. Rowe Price, CIC Wealth, Kestra Advisory Services, and Las Olas Capital Advisors. She also holds an operational leadership role as COO at 7RCC Global, focusing on financial product development and business operations. Illumination Wealth Management is a registered investment adviser that serves individuals, trusts, corporations, and retirement plans with comprehensive Financial Life Management, combining financial planning and investment management. The firm employs client-specific investment policy statements and strategic asset allocation models, emphasizing long-term allocation and offering additional services such as pension consulting and employee education.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
user avatar

David K

CFP®

Northglenn, CO

Illumination Wealth Management

David Kim is a CFP® professional with two years of industry experience, currently serving as an advisor at Illumination Wealth Management. His prior roles include positions at IP Financial Advisory Services LLC, Greatstone Wealth LLC, Sharenett Securities LLC, and Duffy Financial LLC. Outside of advisory work, he is an independent licensed life and health insurance agent based in Denver, CO. Illumination Wealth Management is a registered investment adviser serving individuals, trusts, corporations, and retirement plans with comprehensive Financial Life Management that integrates financial planning and investment management. The firm employs client-specific investment policy statements and strategic asset allocation models with ongoing portfolio monitoring, and operates nine offices along with an affiliated family office providing administrative services.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
user avatar

Norman M

CFP®, Series 65

Palm Springs, CA

Illumination Wealth Management

Norman Mangina is a CFP® and Series 65-licensed advisor with 11 years of industry experience. He has been with Illumination Wealth Management since 2015, where he is part of an 11-advisor team based in Palm Springs, CA. Illumination Wealth Management is a fee-only registered investment adviser serving individuals, high-net-worth clients, trusts, corporations, and retirement plans. The firm provides comprehensive financial life management, pension consulting, and business-owner exit planning services, employing a values-linked, long-term investment approach across multiple offices and integrated family office offerings.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
user avatar

John K

CFP®, Series 66

Berkeley, CA

Illumination Wealth Management

John Kenny is a Certified Financial Planner (CFP®) with nine years of industry experience. He is currently with Illumination Wealth Management, where he has worked since 2022. Prior to this, he held roles at Savvy Investments & Planning LLC and MML Investor Services. Illumination Wealth Management serves individuals, high-net-worth clients, trusts, corporations, and retirement plans by providing comprehensive Financial Life Management that integrates financial planning and ongoing investment management. The firm employs client-specific investment policy statements and a strategic asset allocation approach with tactical adjustments, monitoring portfolios regularly with a focus on long-term allocation.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
user avatar

Sara G

CFP®, Series 66

Nashua, NH

Illumination Wealth Management

Sara Gawick is a CFP® and holds a Series 66 license with eight years of industry experience. She has worked at Illumination Wealth Management since 2022, following prior roles at Ameriprise Financial Services and Wells Fargo Advisors Financial Network. Illumination Wealth Management serves individuals, trusts, corporations, and retirement plans with comprehensive financial planning and investment management. The firm uses client-specific investment policy statements and strategic asset allocation models, emphasizing long-term allocation and ongoing portfolio monitoring.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
user avatar

Zachary B

CFP®, Series 65

Richmond, VA

Illumination Wealth Management

Zachary Benton is a CFP® and Series 65-registered financial advisor with Illumination Wealth Management, bringing two years of industry experience. He has held roles at several firms, including Focus Partners Wealth, The Colony Group, and E-Money Advisor. Benton serves on the Investment Committee for the James River Horse Foundation, an organization providing sanctuary and rehabilitation for retired racehorses and offering vocational training programs through a partnership with the Virginia Department of Corrections. Illumination Wealth Management is a fee-only registered investment adviser serving individuals, high-net-worth clients, trusts, corporations, and retirement plans. The firm’s team manages approximately $471 million, providing integrated financial life management and custom investment strategies that combine strategic and tactical asset allocation with an emphasis on long-term, values-linked planning.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
user avatar

Joshua S

ChFC®

Newberg, OR

Illumination Wealth Management

Joshua Simpson is a ChFC® credentialed advisor at Illumination Wealth Management with one year of industry experience. Prior to joining Illumination, he worked at Price Financial Group and Bain Wealth Management. Outside of his financial advisory roles, he has been involved as a lacrosse official since 2018. Illumination Wealth Management is a fee-only registered investment adviser serving individuals, high-net-worth clients, trusts, corporations, and retirement plans. The firm employs a long-term, values-linked planning approach using model portfolios with ETFs, mutual funds, and individual securities, and offers integrated financial life management alongside pension consulting and business-owner exit planning.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
user avatar

Christine P

CFP®, Series 63, Series 66

Orchard Park, NY

Illumination Wealth Management

Christine Papelian is a CFP® professional with 13 years of experience in the financial services industry. She currently works at Illumination Wealth Management and has held prior roles at Sterling Investment Counsel, LPL Financial, REDW Wealth, Smarter Financial Solutions, and Charles Schwab. Illumination Wealth Management serves individuals, trusts, corporations, and retirement plans, offering comprehensive Financial Life Management that includes financial planning, investment management, pension consulting, and employee education. The firm employs client-specific investment policy statements and strategic asset allocation models with regular portfolio monitoring, emphasizing long-term allocation strategies.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
user avatar

Matthew R

Series 63, Series 65

San Diego, CA

Illumination Wealth Management

Matthew Rinkey is a financial advisor at Illumination Wealth Management with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Illumination Family Office since 2021. He is also the president and owner of Illumination Family Office, which provides family office services to individuals and businesses. Illumination Wealth Management serves individuals, trusts, corporations, and retirement plans by offering comprehensive Financial Life Management that integrates financial planning with ongoing investment management. The firm uses client-specific investment policy statements and strategic asset allocation models, emphasizing long-term allocation and regular portfolio monitoring.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
user avatar

Christian L

CFP®, CFA®, Series 65

Alexandria, VA

Illumination Wealth Management

Christian Litscher is a CFP® and CFA® credentialed advisor at Illumination Wealth Management with six years of industry experience. He has worked at Illumination Wealth Management since 2026, following three years as a self-employed advisor and six years at McLean Asset Management Corp. Illumination Wealth Management is a fee-only registered investment adviser serving individuals, high-net-worth clients, trusts, corporations, and retirement plans. The firm’s team of nine advisors manages about $471 million, offering comprehensive Financial Life Management, pension consulting, and business-owner exit planning through client-specific investment policy statements and diversified model portfolios.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
user avatar

Benjamin R

Series 63, Series 65

Rancho Mirage, CA

Illumination Wealth Management

Benjamin Rinkey is a financial advisor at Illumination Wealth Management with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Illumination Wealth Management since 2014, following a period at Ben Rinkey & Associates, LLP. Illumination Wealth Management serves individuals, trusts, corporations, and retirement plans, providing comprehensive Financial Life Management through financial planning and investment management. The firm uses client-specific investment policies and strategic asset allocation models with tactical adjustments, monitoring portfolios regularly with an emphasis on long-term allocation.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
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