# Illumination Wealth Management

> Illumination Wealth Management is an SEC-registered investment advisory firm in San Diego, CA, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated May 19, 2026.

- CRD: 149576
- Filed as: ILLUMINATION WEALTH MANAGEMENT
- Legal name: Rinkey Investments
- Also doing business as: ILLUMINATION WEALTH, ILLUMINATION WEALTH MANAGEMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Diego, CA
- Filing period: October 2026
- Form ADV filing dated: May 19, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/149576
- AdvisorCensus page: https://advisorcensus.com/firm/illumination-wealth-management-san-diego-ca-149576

## Quick answers

**How is Illumination Wealth Management compensated?**
On its Form ADV (Item 5.E, October 2026), Illumination Wealth Management reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**How much does Illumination Wealth Management charge?**
Its Form ADV Part 2A brochure dated April 8, 2026 states: Flat fee: $500 to $1,500 (initial plan consulting); Flat fee: $500 a year (Ongoing fees). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Illumination Wealth Management located?**
Illumination Wealth Management's principal office is in San Diego, CA, according to its Form ADV.

**Is Illumination Wealth Management registered with the SEC or a state?**
Illumination Wealth Management is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 149576.

**How much does Illumination Wealth Management manage?**
Illumination Wealth Management reports $471,052,116 in regulatory assets under management in its Form ADV filing dated May 19, 2026 (98% discretionary).

**How have Illumination Wealth Management's assets and staff changed since 2022?**
In the Form ADV data for Illumination Wealth Management: Regulatory assets under management: $124,449,333 in the October 2022 data and $471,052,116 in the October 2026 data, up 279%. Total employees: 8 in October 2022 and 14 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Illumination Wealth Management serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (137); individuals (other than high net worth individuals) (66); pension and profit sharing plans (but not the plan participants or government pension plans) (12).

**Which custodians does Illumination Wealth Management use?**
Illumination Wealth Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Illumination Wealth Management report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/149576

**What changed in Illumination Wealth Management's recent Form ADV filings?**
In the June 2026 filing data: Registered or notice-filed in VA.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated April 8, 2026)

- Flat fee: $500 to $1,500 (initial plan consulting)

> We will be compensated for initial plan consulting on a fixed fee payment option of $500 - $1,500 and such fee will be negotiated on a case-by-case basis

- Flat fee: $500 a year (Ongoing fees)

> Ongoing fees will be compensated by an annual fixed fee with a $500 annual minimum paid quarterly in advance.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $471,052,116
- Discretionary: $459,792,893
- Non-discretionary: $11,259,223

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 66 | $21,317,726 |
| High net worth individuals | 137 | $440,264,763 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 12 | $9,469,627 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Other

### Firm details
- Registered since: 2021 (4 years)
- Employees: 14 total, 9 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, FL, ID, IL, IN, MN, NH, NY, OR, TX, VA, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [illuminationwealth.com](https://illuminationwealth.com)
- [plus.google.com/+ILLUMINATIONWEALTH](https://plus.google.com/+ILLUMINATIONWEALTH)
- Facebook @ILLUMINATIONWEALTH
- Instagram @illuminationwealth
- LinkedIn @illumination-wealth-management
- YouTube @UCJeWMzk6BIomKQOCFuqBrjQ

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $124,449,333 | 8 | September 28, 2022 |
| October 2023 | $196,387,845 | 11 | August 17, 2023 |
| October 2024 | $307,090,824 | 14 | March 23, 2024 |
| October 2025 | $377,317,683 | 15 | March 17, 2025 |
| October 2026 | $471,052,116 | 14 | May 19, 2026 |

Regulatory assets under management: $124,449,333 in the October 2022 data and $471,052,116 in the October 2026 data, up 279%.
Total employees: 8 in October 2022 and 14 in October 2026.

## Changes in the filing (last 12 months)

### June 2026
- Registered or notice-filed in VA.

### April 2026
- Added the business name Illumination Wealth Management.
- Employees performing advisory functions went from 10 to 9.
- Regulatory assets under management went from $377,317,683 to $471,052,116 (+25%).

### January 2026
- No longer registered or notice-filed in TN.

### December 2025
- Registered or notice-filed in WI.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Illumination Wealth Management (CRD 149576): Form ADV filing data as of October 2026.