Conceptual Financial Advisors, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$189,909,772
This total excludes 7 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
419
17% high-net worth
Total advisors
1
of 4 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
419
Average account size
$453,245
About
Conceptual Financial Advisors, LLC provides portfolio management, pension consulting, and financial planning to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, and charitable organizations. The firm also offers an online MyFirstFinancialPlanner service for clients seeking an introductory financial plan and manages both discretionary and non‑discretionary accounts.
CFA documents client objectives in an Investment Policy Statement and applies fundamental analysis and modern portfolio theory to construct tailored, long‑term investment programs and model allocations. The firm typically seeks discretionary trading authority, sponsors a wrap fee program, and may refer portions of client assets to third‑party advisers (including AssetMark) under fee‑sharing arrangements.
Compared with peers, CFA reports a notably high client‑to‑advisor ratio—about 419 client relationships overseen by a single principal—and manages roughly $190 million in combined discretionary and non‑discretionary assets. The brochure discloses that the principal is also a registered representative and an independent insurance agent (so representatives may sell commissionable products) and describes custodial support and transition assistance from LPL and fee‑sharing with third‑party advisers, arrangements the firm identifies as potential conflicts of interest; it also notes participation in custodial‑sponsored educational events.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Educational seminars or workshops
Expertise
General retirement planning
Wealth management
College savings (529s, UTMA, etc.)
Cash flow / budgeting
Fee options
Financial planning fixed fees range from $500 to $7,500; MyFirstFinancialPlanner.com service fee is $500 flat rate plus $350 annual update.
$0 - $499,999: 1.50% $500,000 - $999,999: 0.75% $1,000,000+: 0.50%
Commission-based compensation related to insurance and securities products sold by representatives, but commissions are not the primary compensation for advisory services.
$200 to $300 per hour for financial planning services.
Main office location
Conceptual Financial Advisors, LLC
2561 E. Calumet St.
Appleton WI 54915, United States
Number of offices
1
Most active in
Conceptual Financial Advisors, LLC has reported serving >5 clients in these states in the last 12 months.
Florida · Wisconsin
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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.
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