Hardworking Capital Advisors, LLC

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Client assets under management

$189,971,714

Clients

269

20% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

135

Very High

Average account size

$706,215

About

Hardworking Capital Advisors provides investment advisory and financial planning services to individual clients (including high‑net‑worth individuals), charitable organizations, and businesses. The firm offers discretionary portfolio management, standalone financial planning, project‑based consulting, and retirement/401(k) plan consulting.

The firm develops detailed account profiles and manages portfolios through its Portfolio Navigator program, implementing firm models and third‑party model providers and platform services (including SMArtX) for trading, reporting, and sub‑advisory support. HWC discloses that it may use derivatives in separately managed accounts and has recently updated disclosures addressing risks tied to securities‑backed lines of credit and the firm’s use of artificial intelligence tools.

Distinctive features include a relatively small advisory team managing roughly $200 million in discretionary assets across multiple service tiers, and a practice that combines advisory services with affiliated brokerage and insurance activities—a potential conflict the firm discloses and manages. The firm also emphasizes higher‑complexity, project‑based planning and coordination with other professionals, and the use of third‑party sub‑advisers and model portfolios to implement client strategies.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Wealth management Charitable giving & philanthropy

Occupation focus

Founder/Business Owner Retired

Fee options

Fixed

Flat fees range from $895 to $1,800 annually for Strategic Wealth Planner services; $2,400 to $50,000 annually for Carefree Solutions services; fixed fees for financial plans between $250 and $35,000.

Percentage

$0 - $250,000: 1.35% $250,001 - $500,000: 1.15% $500,001 - $1,000,000: 0.75% $1,000,001 - $3,000,000: 0.70% $3,000,001 - $5,000,000: 0.60% $5,000,001+: 0.50%

Commissions

Commission compensation for insurance products and securities products sold by representatives registered as broker-dealer representatives or insurance agents.

Project-based

Hourly consulting fees up to $1,000 per hour; standalone financial planning hourly fees up to $500 per hour (negotiable).

Other

Account minimum: $250,000 Fee-only: Hourly fees up to $1,000 per hour; flat fees from $895 to $50,000 annually for certain services; fixed fees for financial plans between $250 and $35,000.

Main office location

Hardworking Capital Advisors, LLC

34220 Gateway Drive, Suite 120

Palm Desert CA 92211, United States

Number of offices

Most active in

Arizona · California · Colorado · Oregon · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook Website (760) 340-3277

Advisors at this firm

James E

Series 63, Series 65

Palm Desert, CA

Hardworking Capital Advisors, LLC

James Eckley is an investment advisor representative at Hardworking Capital Advisors, LLC with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Cetera Advisor Networks, Girard Securities, KIPP Financial Group, and NPB Financial Group. In addition to his advisory work, Eckley is involved in life insurance sales and sells life settlements through a separate business. Hardworking Capital Advisors serves high-net-worth individuals, charitable organizations, and businesses by providing discretionary investment management, financial planning, and pension consulting. The firm employs a suitability-driven process using model portfolios and third-party managers, and it may incorporate derivatives and options strategies in client accounts.

Wealth management Charitable giving & philanthropy Founder/Business Owner Retired

Mathew M

CFP®, Series 63, Series 66

Palm Desert, CA

Hardworking Capital Advisors, LLC

Mathew Mellier is a CFP® professional with 24 years of industry experience, currently serving at Hardworking Capital Advisors, LLC. His prior roles include positions at Emerson Equity LLC and Cetera Advisor Networks LLC. Mellier is also involved in life insurance and index annuity sales as part of his financial planning services. Hardworking Capital Advisors serves high-net-worth individuals, charitable organizations, and businesses, providing discretionary investment management, financial planning, and pension consulting. The firm employs a suitability-driven process and utilizes model portfolios and third-party managers, with a small team managing approximately $192 million across several hundred clients.

Wealth management Charitable giving & philanthropy Founder/Business Owner Retired

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