Money Concepts Capital Corp

Updated today

Connect with this firm

Total assets under management

$3,328,625,395

Total clients

14,673

3% high-net worth

Total advisors

431

of 431 employees

Firm size

Enterprise

51-2,000 advisors or $10B+ in AUM

Average clients per advisor

Average account size

$226,854

About

Money Concepts Advisory Service (MCAS) provides portfolio management, financial planning, and consulting to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, trusts, charitable organizations, and corporations. As an enterprise adviser with about 431 advisors managing roughly $3.33 billion for around 14,700 clients, it offers multiple managed programs and both discretionary and non‑discretionary account structures.

MCAS deploys a mix of model portfolios, IAR‑designed portfolios, and third‑party sub‑advisers, applying fundamental and technical analysis and modern portfolio theory to set asset allocations and rebalance accounts according to program guidelines. Its program lineup includes proprietary retirement model portfolios (offered while acting as an ERISA fiduciary for retirement plans), variable annuity management and an annuity‑linking option, plus ongoing financial planning and consulting with periodic account review.

What is noteworthy about MCAS is its integrated broker‑dealer and insurance structure: many IARs are also registered representatives of Money Concepts Capital Corp. and licensed insurance agents, and the firm discloses that commissions and insurance sales are a primary source of revenue, creating potential conflicts of interest. The brochure also highlights economic arrangements with custodians and affiliates (including sub‑adviser relationships with WIN Advisors and BNY Mellon and custodial economics with Pershing), referral/solicitor programs, and production incentives for representatives, all of which clients should consider when evaluating recommendations.

Client services

Financial planning Portfolio management General consulting services

Fee options

Percentage

$10,000 - $999,999: 1.30% annually (0.325% quarterly) for GPS – Retirement Plan Network and World Class Pension Program $1,000,000 - $2,999,999: 1.00% annually (0.25% quarterly) for GPS – Retirement Plan Network and World Class Pension Program $3,000,000 - $4,999,999: 0.90% annually (0.225% quarterly) for GPS – Retirement Plan Network and World Class Pension Program $5,000,000 - $9,999,999: 0.75% annually (0.1875% quarterly) for GPS – Retirement Plan Network and World Class Pension Program $10,000,000+: 0.60% annually (0.15% quarterly) for GPS – Retirement Plan Network and World Class Pension Program $10,000 - $49,999: 1.80% annually (0.45% quarterly) for Managed Allocation Program (Variable Annuities) $50,000 - $99,999: 1.60% annually (0.40% quarterly) for Managed Allocation Program (Variable Annuities) $100,000 - $499,999: 1.50% annually (0.375% quarterly) for Managed Allocation Program (Variable Annuities) $500,000 - $999,999: 1.25% annually (0.3125% quarterly) for Managed Allocation Program (Variable Annuities) $1,000,000+: 1.00% annually (0.25% quarterly) for Managed Allocation Program (Variable Annuities) $10,000 - $999,999: 1.30% annually (0.325% quarterly) for MAP Advisor Assisted Program $1,000,000 - $2,999,999: 1.00% annually (0.25% quarterly) for MAP Advisor Assisted Program $3,000,000 - $4,999,999: 0.90% annually (0.225% quarterly) for MAP Advisor Assisted Program $5,000,000 - $9,999,999: 0.75% annually (0.1875% quarterly) for MAP Advisor Assisted Program $10,000,000+: 0.60% annually (0.15% quarterly) for MAP Advisor Assisted Program

Commissions

Commission-based compensation from sale of securities and insurance products in broker-dealer and insurance capacities

Project-based

Hourly consulting fees negotiated individually, up to $450/hour

Other

Account minimum: $10,000 (varies by program, see detailed program minimums) Minimum fee: Minimum quarterly fee of $62.50 for GPS programs; minimum quarterly fee for financial planning ranging from $250-$1,000 depending on program Fee-only: Financial planning fees negotiated individually; minimum quarterly fee $250-$1,000 depending on program

Disclosures

Business activities & affiliations

Is 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.

Is not active or affiliated with:

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.

Main office location

Money Concepts Capital Corp

11440 Jog Road

Palm Beach Gardens FL 33418, United States

Number of offices

Forms ADV

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

Quick links

LinkedIn Facebook X Website 561-472-2000

Advisors at this firm

Darlene V

Series 66

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may—or may not—fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend—and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction—we're here to make sure the relationship works for you—and if not, to navigate next steps with clarity.

Our ongoing support