Cline Financial Concepts, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cline Financial Concepts serves individuals, high‑net‑worth clients, trusts, estates and charitable organizations, providing discretionary investment management and fee‑based financial planning. The firm, organized as a single‑advisor practice, manages roughly $86.8 million for about 120 clients and also advises on retirement account rollovers and related fiduciary matters.
The Advisor constructs portfolios primarily from low‑cost, diversified mutual funds and ETFs and may use individual stocks or bonds when appropriate, applying fundamental analysis with a generally long‑term orientation while performing regular monitoring and rebalancing. Cline Financial Concepts typically implements accounts via institutional platforms (including an SEI Advisor Guided platform) and may recommend turnkey asset management programs, remaining the client’s primary advisor when third‑party managers are used.
Distinctive aspects include serving charitable organization clients alongside typical individual and trust accounts, a client type that is less common among independent solo firms. The practice also maintains institutional relationships that provide software, trading and operational support (SEI, AssetMark, Trade‑PMR/First Clearing) and has onboarded migrated clients from two acquired advisory practices while preserving their prior account arrangements.
Client services
Expertise
Fee options
Stand-alone comprehensive financial plan fees starting at $1,500 minimum; project-based financial planning fees
$0 - $250,000: 1.00% $250,001 - $500,000: 0.95% $500,001 - $750,000: 0.85% $750,001 - $1,000,000: 0.75% $1,000,001 - $2,000,000: 0.65% $2,000,000+: 0.55%
Financial planning services hourly rate: $150 per hour
Minimum fee: Financial planning stand-alone comprehensive plan minimum fee: $1,500 Fee-only: Financial planning fees: Stand-alone comprehensive plan $1,500 minimum; $150/hour for additional services; project-based plans charged hourly or fixed fee
Main office
1800 S. Oak Street, Suite 101
Champaign IL 61820
Advisors at this office
1
Most active in
Arizona · California · Illinois
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
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