Christine Papelian

ILLUMINATION WEALTH MANAGEMENT

Orchard Park, NY

CRD#: 6068257

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Professional summary

Christine Papelian, CFP®, who also goes by Christine Costello, is a registered financial advisor currently at ILLUMINATION WEALTH MANAGEMENT located in Orchard Park, New York.

Christine is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2012. Christine has worked at 7 firms and has passed the Series 66, Series 63, SIE and Series 7 exams.

Core Areas of Focus

College/Education Planning

Corporate Executives

Divorce Planning

Generation X

Investment Advice with Ongoing Management

LGBT Couples and Families

Question & Answer

What are your service offerings?

Comprehensive Financial Planni...

Investment Planning

Life Transitions

What is your minimum asset requirement?

500K

Are you a "fiduciary"?

Yes

Aliases

Christine Costello

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Christine Papelian's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2015

Experience

Current

December 10, 2025 - Present

ILLUMINATION WEALTH MANAGEMENT

RIA

CRD#: 149576

Orchard Park, NY

Past

November 12, 2024 - December 8, 2025

STERLING INVESTMENT COUNSEL, LLC

RIA

CRD#: 282624

BUFFALO, NY

Past

October 22, 2024 - November 21, 2025

CRD#: 5393

Phoenix, AZ

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

ILLUMINATION WEALTH MANAGEMENT

ILLUMINATION WEALTH | RINKEY INVESTMENTS | NAME 804 | ILLUMINATION WEALTH MANAGEMENT

CRD#: 149576 / SEC#: 801-122912

RIA

Registered Investment Advisory firm - (12/16/2021 Approved)

California

Registered Investment Advisory firm - (1/22/2022 Terminated)

Colorado

Registered Investment Advisory firm - (12/23/2021 Terminated)

Florida

Registered Investment Advisory firm - (12/23/2021 Terminated)

Illinois

Registered Investment Advisory firm - (1/12/2022 Terminated)

Minnesota

Registered Investment Advisory firm - (12/23/2021 Terminated)

New York

Registered Investment Advisory firm - (12/23/2021 Terminated)

Texas

Registered Investment Advisory firm - (12/23/2021 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

New York
(12/10/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 66

Date: 10/14/2024

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 8/6/2012

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 8/3/2012

General Securities Representative Examination

Current Firm

ILLUMINATION WEALTH MANAGEMENT

ILLUMINATION WEALTH | RINKEY INVESTMENTS | NAME 804 | ILLUMINATION WEALTH MANAGEMENT

CRD#: 149576 / SEC#: 801-122912

RIA

Registered Investment Advisory firm - (12/16/2021 Approved)

California

Registered Investment Advisory firm - (1/22/2022 Terminated)

Colorado

Registered Investment Advisory firm - (12/23/2021 Terminated)

Florida

Registered Investment Advisory firm - (12/23/2021 Terminated)

Illinois

Registered Investment Advisory firm - (1/12/2022 Terminated)

Minnesota

Registered Investment Advisory firm - (12/23/2021 Terminated)

New York

Registered Investment Advisory firm - (12/23/2021 Terminated)

Texas

Registered Investment Advisory firm - (12/23/2021 Terminated)

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Contact information

Main Address

11622 El Camino Real Suite 100, San Diego, CA 92130

Mailing Address

Phone number

(858) 246-6855

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (13 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

ILLUMINATION WEALTH (3/17/2025)

Regulatory assets under management

Total Number of Accounts	1,091
AUM (Assets Under Management)	$ 377,317,683

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

Contact information

(xxx) xxx-xxxx

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Advisor Monitoring

Firm Stability Insights

Christine Papelian

Professional summary

Core Areas of Focus

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Christine Papelian's CRS (Customer Relationship Summary).

Certified licenses

Experience

STERLING INVESTMENT COUNSEL, LLC

LPL FINANCIAL LLC

LPL FINANCIAL LLC

REDW WEALTH LLC

SMARTER FINANCIAL SOLUTIONS

SCHWAB WEALTH ADVISORY, INC.

CHARLES SCHWAB & CO., INC.

CHARLES SCHWAB & CO., INC.

Primary Firm SEC Registration

ILLUMINATION WEALTH MANAGEMENT

State Registrations and Notice Filings

Exams

Series 66

Date: 10/14/2024

Series 63

Date: 8/6/2012

SIE

Date: 10/1/2018

Series 7

Date: 8/3/2012

Current Firm

ILLUMINATION WEALTH MANAGEMENT

Contact information

SEC notice filing (13 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

ILLUMINATION WEALTH MANAGEMENT

TRUST BUT VERIFY

Contact information

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