About Illumination Wealth

Our Culture

At Illumination Wealth Management, you will find a new way to think about your money, life and real wealth.


We’re Virtually Everywhere.

Among our most exciting qualities is how we’ve applied leading-edge technology to build our office. We’ve optimized our business to serve you wherever you call home.


We’re Authentic.

We are genuine, independent and work only for our clients. We believe extraordinary outcomes are the result of the uncommon, not the average. We would never blindly embrace conventional thinking or a “cookie cutter” approach.


We’re Here for You.

We believe in developing real relationships with our clients. Markets, interest rates and tax laws will change; our commitment to you will not.


We’re Transparent.

We place a strong emphasis on full, transparent disclosure of our fees, relationships and services. We want everything to be perfectly clear, so you can relax and focus on your life.


We’re Well-Connected and Resourceful.

We know what we don’t know. It’s important for you to understand that. When you have needs beyond our core competencies, we believe the best way to ensure success is to work with specialists and experts in those fields. We have developed strategic and collaborative professional relationships covering the full spectrum of your financial life needs. Learn more about our strategic partners below.

The Illumination Team


Matt Rinkey

Since graduating from the University of Wisconsin – Madison School of Business in 2002, Founder and President Matt Rinkey has spent his entire career in financial services. Matt brings to Illumination over a decade of extensive financial industry experience. After college, Matt spent time working as an accountant at his father’s CPA Practice before heading to Wall Street.

Prior to founding Illumination, Matt was Senior Analyst for Kellogg Capital Group and Millennium Partners, a multi-billion dollar hedge fund in headquartered in New York City. For both firms, Matt had had lead research responsibilities for one of the firm’s portfolios and oversaw the portfolio’s market hedging strategy. Matt lives in San Diego, CA with his amazing wife Lindy, their son Louie, daughter Charli, and dog Onyx.


Ben Rinkey

Ben joined Illumination Wealth in 2014 as an investment advisor. He brings with him over 40 years of investment experience. Ben has had a successful investment career throughout many different market environments. Prior to joining Illumination Wealth, Ben was a Senior Fixed Income Portfolio Manager advising on over $6 billion of fixed income assets at Voyageur Asset Management and Piper Capital Management.

While at Piper, Ben started and managed the number one ranked Lipper Government Bond Mutual Fund. Ben was also CEO and board member of one recently acquired investment advisory firm, and is currently a board member and treasurer of a successful privately held manufacturing company. In addition, Ben has appeared on CNBC and frequently appeared on Minnesota Public Radio’s “Sound Money”. For many years he did a regularly broadcast market commentary on WCCO radio. He has been featured in numerous publications such as Fortune, Barron’s, Chicago Tribune, Minneapolis Star Tribune and many others.


Norman Mangina

Norman joined Illumination in 2015 as an Associate Financial Planner. Prior to joining Illumination, he worked as a CPA in a public accounting firm, was manager of corporate income taxes at BellSouth, and led the financial operations team at CareerBuilder. Norman brings a diverse array of financial experiences to Illumination.

Norman earned his master’s degree from the University of Georgia specializing in tax . He got interested in investing during college and made personal finance a focus of his ever since. Norman moved to San Diego from Chicago in 2014 with his partner Matt and enjoys traveling, technology, photography, and cooking.


Michelle Hewitt

Michelle joined Illumination in 2012 as the Director of Client Service. Prior to joining Illumination, she spent over 10 years providing an exceptional client service experience within a number of different industries. Most recently, Michelle worked as a Paraplanner and Client Service Manager for a successful Financial Advisory practice in San Diego. Michelle is well versed in insurance and holds her CA insurance license.

You will find Michelle as kind, positive, and dependable as they come. Michelle is happily married to her husband Craig, and they have two beautiful children. When Michelle is not having fun at work, she spends most of her time with her family including three happy dogs and a bird. In their free time, Michelle and her family enjoy traveling, hiking, walking, playing games, and helping their community through volunteer work.

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Illumination Strategic Partners


Illumination Wealth Management focuses on your money, so you can focus on your life. That said, your assets are held in your name, with account activity reports sent directly to you from one of our independent custodian alliances, enabling you to remain in control of your wealth.

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Third Party Administration (TPA)

Your company’s retirement plan should be as unique as your business. Sponsoring a qualified retirement plan creates a significant opportunity for you, but with that opportunity comes responsibility. Our relationship with a nationally recognized TPA will focus on optimally planning, developing, and maintaining your retirement plan so you can focus on building your business.


Collaborative Professionals

We have carefully selected our team of collaborative professionals. Trying to achieve real wealth without a team of advisors and strategic resources is like a medical patient trying to get 100% of their healthcare from one doctor. We leverage the expertise and knowledge of our colleagues for your benefit in the areas of Tax Accounting, Life and Disability Insurance, Long-Term Care Insurance, Property & Casualty Insurance, Business Coaching, Estate Planning, Real Estate Brokerage, Mortgage Financing, Business & Employment Law, Family Law, Bookkeeping, and Health & Fitness Practitioners amongst others to ensure that your financial (life) needs are met.