Five Star award winner David Coles

PROFESSIONAL PROFILE

Contact Me

David Coles

President & Wealth Advisor

WMBC

2 Venture Ste 380

Irvine, CA 92618

Office: 949-829-9622

Cell: 949-423-4009

david@wmbc.financial
www.wmbc.financial

Professional Approach

I’m honored to receive this recognition.

From the beginning of my career, my goal has never been to simply manage assets. I set out to build a better way to help people make confident decisions in a world that is constantly changing. Traditional wealth management often assumes life is linear and predictable. In reality, it rarely is.

Markets shift. Families evolve. Health, priorities, businesses, and opportunities change. Sometimes they change quickly. Financial systems need to be flexible enough to adapt without losing clarity or direction.

That belief led to the creation of Human Wealth™.

Human Wealth™ helps clients make confident, aligned decisions in an increasingly complex world through the synthesis of traditional wealth management and subjective wellbeing. The result is a financial system designed for resilience, clarity, and long-term fulfillment.

We developed Human Wealth™ after witnessing the emotional and relational stress clients experienced when making financial decisions. “I began to notice a dissonance between my clients' financial and subjective realities. In order to bring harmony, I knew we needed to expand our understanding from ‘more or less’ to ‘why’.” While financial metrics such as rate of return, net worth, and account balances provide objective measures, what those numbers represent—and how they impact real lives—is inherently human.

Money is ultimately a tool. It creates space, time, and optionality to focus on what matters most. Questions about portfolio performance often reflect deeper concerns: “Will I be able to provide opportunity for my children? Can I do so without sacrificing presence or wellbeing? Will my financial system support me through health changes, career transitions, and uncertainty”?

Human Wealth™ was created to address the heart of those questions through four integrated phases: Discover Wellbeing, Explore Resources, Design Systems, and Implement Plan. This framework allows for continuous adaptation as both external conditions and internal priorities evolve. From changes in tax policy and charitable giving regulations to shifts in health, business ownership, or family dynamics, Human Wealth™ operates as a dynamic wealth management system rather than a static financial plan.

Learn more at wmbc.financial/personal-human-wealth/

See Accomplishments

This award was issued on 05/01/2026 by Five Star Professional (FSP) for the time period 07/17/2025 through 01/02/2026. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 2870 Orange County-area wealth managers were considered for the award; 122 (4% of candidates) were named 2026 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2025: 2,712, 117, 4%, 5/1/25, 7/31/24 - 12/31/24; 2024: 2,682, 140, 5%, 5/1/24, 7/25/23 - 1/31/24; 2023: 2,576, 160, 6%, 5/1/23, 7/25/22 - 2/10/23; 2022: 2482, 143, 6%, 5/1/22, 8/30/21 - 3/4/22; 2021: 2398, 144, 6%, 5/1/21, 8/17/20 - 3/12/21; 2020: 2320, 152, 7%, 5/1/20, 8/1/19 - 3/13/20; 2019: 2469, 187, 8%, 5/1/19, 8/13/18 - 3/11/19; 2018: 2423, 144, 6%, 5/1/18, 6/21/17 - 3/16/18; 2017: 1790, 280, 16%, 5/1/17, 8/24/16 - 2/24/17; 2016: 1383, 312, 23%, 2/1/16, 8/19/15 - 1/15/16; 2015: 2010, 351, 17%, 3/1/15, 8/30/14 - 1/30/15; 2014: 3489, 302, 9%, 3/1/14, 8/30/13 - 1/30/14; 2013: 2293, 415, 18%, 3/1/13, 8/30/12 - 1/30/13; 2012: 1760, 255, 14%, 3/1/12, 8/30/11 - 1/31/12.

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Advisory services are provided by Farther Finance Advisors LLC, an SEC-registered investment advisor. The material presented is for informational purposes only and should not be construed as investment advice. It is not a recommendation of, or an offer to sell or solicitation of an offer to buy, any particular security, strategy or investment product. Investing in securities involves risks, including the potential loss of money, and past performance does not guarantee future results. For further information, please refer to our Form ADV Part 2, Terms of Use, and Privacy Policy – available at Farther.com.

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.