Cline Financial Concepts, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$86,819,315
Total clients
120
18% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
120
Average account size
$723,494
About
Cline Financial Concepts provides discretionary investment management and fee-based financial planning to individuals, high-net-worth clients, trusts, estates and charitable organizations. Services include portfolio construction using low-cost, diversified mutual funds and ETFs (with selective use of individual stocks or bonds), ongoing monitoring, and retirement-account guidance including rollover considerations.
The firm’s investment process emphasizes fundamental analysis and a generally long-term orientation while allowing shorter-term trading for rebalancing or client needs. Portfolios are implemented and monitored through third‑party platforms (including an SEI Advisor Guided platform) and the firm may link to held‑away accounts or custody relationships at client direction.
What sets the firm apart from many peers is its work with charitable organization clients, an uncommon client type for independent advisors, and its use of institutional platform relationships to access institutional trading, software and operational support. The firm manages a multi‑million dollar client asset base across both discretionary and non‑discretionary accounts while providing comprehensive planning components and referrals to unaffiliated specialists when appropriate.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
General tax planning
Cash flow / budgeting
Fee options
Stand-Alone Comprehensive Financial Plan fee of $1,500 minimum; project-based financial plans with fixed fees.
$0 - $250,000: 1.00% annually $250,001 - $500,000: 0.95% annually $500,001 - $750,000: 0.85% annually $750,001 - $1,000,000: 0.75% annually $1,000,001 - $2,000,000: 0.65% annually $2,000,001+: 0.55% annually
Financial planning hourly rate of $150/hour for additional services beyond minimum fee or project-based plans.
Minimum fee: Financial Planning Services have a minimum fee of $1,500 for a Stand-Alone Comprehensive Financial Plan Fee-only: Investment advisory fees based on assets under management; financial planning fees charged separately as fixed fees or hourly; no commissions charged.
Main office location
Cline Financial Concepts, LLC
1800 S. Oak Street, Suite 101
Champaign IL 61820, United States
Number of offices
2
Most active in
Cline Financial Concepts, LLC has reported serving >5 clients in these states in the last 12 months.
Arizona · California · Illinois
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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