Ember Wealth Concepts & Financial Planning

Ember Wealth Concepts & Financial Planning provides discretionary portfolio management, comprehensive financial planning, and pension consulting to individuals, families, retirement plans, corporations, and pension clients, generally requiring a minimum account size. The firm bills on a percentage-of-assets-under-management basis and manages accounts through qualified custodians on a discretionary basis.

The firm’s investment process blends proprietary in-house models and a quantitative optimization tool with access to Envestnet model portfolios and selected third‑party managers, and it implements both strategic and tactical asset‑allocation approaches alongside value‑oriented selections. Portfolios may include sizable cash allocations depending on market outlook, and clients can impose reasonable written restrictions on investments.

Distinctive for a firm of its scale, Ember discloses that associated persons are licensed to sell insurance products and devote a limited portion of their time to those activities, meaning insurance recommendations may be offered as part of planning. The advisor, formed in 2025 and operating with a single registered advisor while managing roughly $41 million in regulatory AUM, also integrates Envestnet’s model platform (which maintains discretionary control over models and charges a separate platform fee) alongside its own models and offers both ongoing advisory relationships and one‑time or limited‑scope financial planning.