Rinkey Investments provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, education planning, estate planning, insurance, philanthropic planning, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Rinkey Investments reports 215 clients. They include 137 high-net-worth individuals, 66 individual clients, and 12 pension and profit-sharing plans. Of its assets, 97.6% ($460M across 1,210 accounts) are managed with discretion; $11.3M across 36 accounts are not. It advised 30 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 31% | 5% |
| High-net-worth individuals | 64% | 93% |
| Pension and profit-sharing plans | 6% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 66 | $21.3M | 4.5% | $323K |
| High-net-worth individuals | 137 | $440M | 93.5% | $3.21M |
| Pension and profit-sharing plans | 12 | $9.47M | 2.0% | $789K |
| Total | 215 | $471M | 100% | $2.19M |
- Clients
- 66
- Regulatory AUM
- $21.3M
- AUM share
- 4.5%
- Avg. per client
- $323K
- Clients
- 137
- Regulatory AUM
- $440M
- AUM share
- 93.5%
- Avg. per client
- $3.21M
- Clients
- 12
- Regulatory AUM
- $9.47M
- AUM share
- 2.0%
- Avg. per client
- $789K
Total
- Clients
- 215
- Regulatory AUM
- $471M
- AUM share
- 100%
- Avg. per client
- $2.19M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 30
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Rinkey Investments is paid through a percentage of assets under management and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Life Management
- Flat annual fee paid quarterly from a net worth percentage (0.10% to 0.50%) plus an AGI percentage (0.40% to 1.00%), with a $2,000 minimum quarterly fee.
- Investment Management Services
- Annual fee from 0.90% to 1.50% of assets by band, with a $1,500 minimum for accounts under $100,000; negotiable and paid quarterly in advance.
Matthew Rinkey owns 75% or more of Rinkey Investments. The leadership team of Rinkey Investments includes President Matthew Rinkey. It has 14 employees, 9 of them in advisory roles.
Leadership
Matthew RinkeyPresident/Chief Compliance Officer
Investment adviser representatives
10 representatives listed in the SEC register as of 9 October 2026.
Staff
- 14 employees
- 9 in advisory functions
- 9 state-registered reps
- Owns 75% or more of Rinkey Investments
Matthew Rinkey
Control person · since February 2009
Rinkey Investments’ regulatory assets grew 3.8× from $124M (May 2022) to $471M (May 2026); clients rose from 176 to 215 and employees from 8 to 14.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| May 2026 | $471M | 215 | 14 | 9 |
| March 2025 | $377M | 220 | 15 | 9 |
| March 2024 | $307M | 223 | 14 | 9 |
| June 2023 | $196M | 205 | 11 | 7 |
| May 2022 | $124M | 176 | 8 | 4 |
Besides its headquarters, Rinkey Investments has 8 offices (8 private residences, listed without an address), with 1 listed address in California.
California · 1 listed address
- 11622 El Camino Real, Suite 100, San DiegoHQ
Other business names
Rinkey Investments has reported 2 other business names to the SEC.
- Illumination Wealth
- Illumination Wealth Management
Contact and registration details
- Legal name
- Rinkey Investments
- Headquarters
- 11622 El Camino Real, Suite 100, San Diego, CA 92130
- Website
- illuminationwealth.com
- Phone
- 858-246-6855
- @illumination-wealth-management
- SEC file
- 801-122912
- Founded
- 2009
- Structure
- California corporation
- Fiscal year end
- December
Rinkey Investments uses Charles Schwab ($462M) as custodian for its separately managed accounts. Rinkey Investments has custody of $127M in client assets for 122 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $462M100%
At year end, Rinkey Investments’ separately managed accounts were mostly in funds (83%) and stocks (13%). Its reported 13F holdings for the quarter ended 30 June 2026 total $425M across 128 positions; the largest are iShares TR (11.5%), SPDR Series Trust (7.8%) and SPDR Index Shs Fds (7.6%).
What the accounts hold
- Stocks13%
- Funds83%
- Bonds4%
- State and local bonds3%
- U.S. government and agency bonds1%
Reported 13F holdings
- $425M
- Reported 13F value
- 128
- Positions
- 57.3%
- In the 10 largest
- +8.7%
- Value vs. prior quarter
- iShares TR · Trs Flt RT BD11.5%
- SPDR Series Trust · ST Str PR Sp15007.8%
- SPDR Index Shs Fds · ST Str PO EX ETF7.6%
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt5.5%
- Vanguard Charlotte Fds · Total Int BD ETF5.4%
- Vanguard Index Fds · Value ETF5.4%
- Vanguard BD Index Fds · Total Bnd Mrkt4.0%
- iShares TR · Calif Mun BD ETF3.6%
- Vanguard Index Fds · Total Stk Mkt3.5%
- iShares TR · National Mun ETF2.9%
Together, the ten largest are 57.3% of reported value.
How many clients does Rinkey Investments have?
Rinkey Investments has 215 clients and manages $471 million for them, as of May 2026. They include 137 high-net-worth individuals, 66 individual clients, and 12 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 19 May 2026
What services does Rinkey Investments offer?
Rinkey Investments provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Rinkey Investments use?
Rinkey Investments’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $462M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 May 2026
How many financial advisors does Rinkey Investments have?
Rinkey Investments has 9 investment adviser representatives registered with state securities authorities, out of 14 employees, and 9 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Rinkey Investments invest in?
At the end of its last fiscal year, Rinkey Investments’ separately managed accounts held 83% registered funds (mutual funds, ETFs, BDCs), 13% exchange-traded equities, 3% state and local bonds and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Rinkey Investments?
Rinkey Investments’ direct owner is Matthew Rinkey (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 19 May 2026
How does Rinkey Investments get paid?
Rinkey Investments is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Rinkey Investments?
Rinkey Investments’ main office is at 11622 El Camino Real, Suite 100, San Diego, CA 92130. Its phone number is 858-246-6855. Its website is illuminationwealth.com.