David Coles

David Coles is President and a Wealth Advisor at WMBC, an Irvine, California financial-advisory firm founded by his father, Scott Coles (a Chartered Financial Consultant and Chartered Life Underwriter with roughly 40 years in the industry). David launched his own wealth-advisory career in April 2009, in the depths of the Great Recession — an experience he credits with shaping his philosophy after spending his early years listening to clients' fears about lost jobs, homes, and college savings. He holds Series 7 and Series 66 registrations and a Life & Health Insurance license, and is a member of the Forbes Finance Council (2020).

In 2018 David co-founded "Human Wealth™" (with roots in work begun in 2015), a planning methodology built on the idea that a client's subjective wellbeing — family relationships, career decisions, vitality — matters more than raw rate of return. WMBC markets this as "wealth is about well-being," offering Personal Human Wealth™ planning for individuals and families, Organizational Human Wealth™ assessments for businesses, and intentional investment management. David has been featured in Barron's (2021), published in Suits Magazine (2015), and appears on podcasts including PracticeLab and "Where There's a Will There's a Way."

On February 6, 2025, WMBC joined the technology-driven wealth platform Farther, bringing over $120 million in client assets. David and Scott Coles framed the move around shared values — "putting humans first" and being "grounded in research and data." Outside of work, David is an avid sailor and holds a Wine & Spirits Education Trust (WSET) Level 2 certification.

• David's professional focus is wealth management and holistic financial planning for individuals, families, and organizations — not early-stage startup investing. No evidence was found of angel checks, a seed-stage thesis, or a startup portfolio.
• His stated philosophy: helping clients "integrate wealth into their lives properly, which leads to secure, happier, and more fulfilling lives," via the Human Wealth™ method that puts understanding the person before building the financial plan.
• WMBC offers "Intentional Investment Management" — strategic portfolio placements aligned with a client's personal goals — within a traditional RIA / brokerage framework (securities through Osaic Wealth, Inc.).
• If you reached this profile expecting a seed-stage angel investor, the underlying data (email domain wmbci.com) appears to map to WMBC the wealth-management firm; treat the "Angel Investors / Seed Round" stub as unverified and likely a mis-categorization.