Rooted in Relationships;Invested in Client Success

Rooted in Relationships; Invested in Client Success

It takes a committed team to coordinate and manage all aspects of financial health and well-being. We possess a deep-rooted passion for maintaining our core relationships with clients and helping them manage the primary resources and connections that inform their lives and futures.

Our Story

Illumination’s founder Matt Rinkey was fascinated with the stock market throughout his childhood. As it turns out, when he was born he was gifted six shares of Northern States Power (NSP) stock. He routinely followed NSP’s progress in the newspaper’s stock tables. At age 12, he was part of the team that won the Minnesota Stock Market Game competition, where 800 teams participated. Winning enabled him to meet world-class investor Peter Lynch, former Portfolio Manager of the Fidelity Magellan mutual fund. While Matt experienced success with money and investing, his grandparents endured financial distress. After selling their successful business of 30 years, they worked with a financial advisor and invested their business proceeds into risky ventures that failed during the 1980’s junk bond craze. His grandparents’ dream of a comfortable retirement and sending grandchildren to college collapsed. He watched them downsize their lifestyle and aspirations, which greatly impacted him. Illumination realizes that financial planning, goals and investment decisions do not exist in a vacuum apart from life’s ups, downs and milestones. The big picture of life must be part of any solid, workable financial strategy. Illumination is passionate about helping clients identify a personalized financial plan that will guide and provide for them across the rich and varied journey of life. We put people first, and our mission shapes the way we do business.

Our Core Values

Tailored Experience

We Put You First & Got Your Back

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We are committed to doing what’s best for our clients. We are always looking out for you.

Tailored Experience

Building Balance

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We champion a rich and well-rounded life. Stability in financial life is the foundation of meaningful growth.

Tailored Experience

Leading With Emotional Intelligence

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We are deeply aware of how our emotions shape financial decisions. We use this understanding to ensure decisions are made with confidence and reflect your values

Tailored Experience

Precise Advice

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We provide guidance that is on time and on point. Details matter as the little things make big things happen.

Tailored Experience

Exceptional & Intentional

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Service, Strategy, Results: Because there is no other way.

Your Illumination Wealth Team

Matt

Matt Rinkey, Founder & Chief Financial Life Officer

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Matt transformed his childhood passion for the stock market into his life work and purpose. He graduated with a degree in Finance, Investment & Banking from the University of Wisconsin – Madison School of Business. Following college in 2003, he worked in a training program for Kellogg Capital Group. By the end of 2006, he served as a Senior Analyst for an investment fund, managing a team of five. During the 2008 recession, Matt received calls from friend and family requesting financial guidance. As financial markets melted down, Matt decided it was time to help people plan their financial strategies and to directly lift their financial spirits. In 2009 he founded his own firm, Illumination Wealth Management, with a simple mission – to empower people with financial clarity so they can build their wealth and live their best financial life.

Norman

Norman Mangina, CFP®    Senior Financial Planner

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Norman joined Illumination in 2015 as a Financial Planner, bringing with him a diverse array of financial experiences and background expertise. He previously worked as a CPA in a public accounting firm, as a manager of corporate income taxes at BellSouth, and as the leader of a financial operations team at CareerBuilder. Norman earned his master’s degree from the University of Georgia where he specialized in tax. He cultivated his interest in investing during college and made personal finance a key focus of his career. Norman moved to San Diego from Chicago in 2014 with his husband Matt and enjoys traveling, technology, photography, and cooking.

Ben

Ben Rinkey, Senior Investment Strategist

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Ben joined Illumination in 2014 as an investment advisor, bringing more than 40 years of investment experience with him. Ben’s successful investment career has spanned many different market environments. Prior to joining Illumination, he served as 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. He was CEO and board member of a recently acquired investment advisory firm, and is currently on the board 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 regularly broadcasted market commentary on WCCO radio and has been featured in Fortune, Barron’s, Chicago Tribune, Minneapolis Star Tribune and other publications.

Tracey

Tracey Magnuson, Client Service Concierge

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Tracey joined Illumination in 2016 as our Client Service Associate. In 2006, Tracey joined a successful Public Adjusting firm specializing in Real Estate investments from large financial institutions. She distinguished herself in the industry, quickly moving up through the ranks to leadership, managing a large team. Tracey holds both a Property Insurance Adjuster license and a Real Estate license in CA. Considered a subject matter expert by her former co-workers, she maintains connections whenever possible. Tracey is a South Florida native who relocated to San Diego 11 years ago. Tracey and her husband David have two cats, are fortunate to have most of his family in San Diego, and make regular trips back East to visit hers. She enjoys cooking, music, and family time, and volunteers regularly. Tracey’s over-arching career focus is in finance and investments. She enjoys empowering others to achieve their dreams of financial security and independence.

Andrew

Andrew Costello, CFP®    Associate Financial Planner

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Andrew joined the Illumination Wealth team in 2018 as an Associate Financial Planner, and he he brings prior financial planning experience to this role. He graduated from Azusa Pacific University in 2014 with a degree in Business Marketing and began his career at a Registered Investment Advisory firm shortly after. Andrew quickly learned that his passions lie with helping individuals navigate the complex world of finance, and he places a high value on education and transparency. Andrew became a CFP® in November 2018 after passing the difficult exam. Originally a Southern California native, Andrew did a brief stint in Phoenix, AZ and was happy to return to his home state. He enjoys hiking, photography, and spending time with his friends, family, and girlfriend.

Kathleen

Kathleen Boyd, CFP®, CFT-I® Candidate, Associate Financial Planner

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Kathleen joined Illumination Wealth in 2019 as an Associate Financial Planner and brings to the team an assorted background in investment management, financial planning, financial therapy, and teaching. Her life’s goal is to help clients understand their own relationships with money and improve their overall well-being through both therapeutic and financial competencies. Kathleen best describes her work as “Iyanla Vanzant… but for your finances.” She started her career in private banking, managing portfolios for institutions and high net worth individuals, before “seeing the light” and transitioning to fee-only financial planning. She also has experience teaching undergraduate personal finance at Kansas State University. Kathleen graduated from the University of Utah with a bachelor’s in economics and a master’s degree in finance. She also completed doctoral coursework in financial planning and therapy at Kansas State University. In addition, Kathleen is a CERTIFIED FINANCIAL PLANNER™ professional and a Certified Financial Therapist-I™ candidate. Investment News named her a Top 40 Under 40 in 2018 and FA Magazine named her one of the Top 10 Young Advisors to Watch in 2019.

Onyx

Financial Therapy Dog

Onyx is Illumination Wealth’s Financial Therapy Dog. Onyx was born during the Great Recession on a farm in South Dakota. He migrated out west and has been at Matt’s feet since the inception of Illumination Wealth. Onyx is a source of unconditional love and positivity for the entire Illumination Wealth community no matter the ups or downs.