Morris Financial Concepts, Inc.

The firm serves individual investors (including high‑net‑worth clients), small businesses, retirement plans, trusts, estates, charitable organizations, and corporate clients, providing comprehensive financial planning, discretionary portfolio management, hourly planning engagements, and pension‑consulting for 401(k) plans. It also sponsors a wrap‑fee program that bundles investment management, trade execution, custody, reporting and account maintenance for participants who meet the program’s participation requirements.

Investment management is delivered through customized portfolios based on the firm’s model allocations, primarily using mutual funds and ETFs, with occasional access to funds available only through select advisers and to private investment funds for qualified clients. Financial planning and implementation are coordinated with an affiliated tax and accounting firm (operating as a separate legal entity), and the firm discloses and manages the related conflicts that affiliation can create.

Compared with many peers, the firm’s formal affiliation with an accounting/tax practice and its role as a wrap‑fee program sponsor are noteworthy and explicitly disclosed in its brochure as items that may give rise to conflicts of interest. The firm also provides ERISA‑covered pension consulting services, may include private fund allocations for suitable investors, and discloses that a firm principal has an ownership interest in a family real‑estate partnership that the firm does not recommend to clients.