Scottsdale, AZ Office

Concentrum Wealth Management serves individuals and high‑net‑worth households as well as pension and employee benefit plans, trusts, estates and corporate clients, providing wrap asset management, financial planning, pension consulting, referrals to third‑party money managers, and held‑away portfolio monitoring. The firm’s brochure states it manages only wrap fee accounts and offers an account‑linking service to incorporate outside custodial positions into its advice.

The firm combines discretionary portfolio management with consultative held‑away monitoring and describes the use of a third‑party platform and an order management system to support tax‑efficient asset location and opportunistic rebalancing. Its stated investment toolkit includes derivatives, options strategies, structured products, short sales and margin borrowing, and the brochure notes these tools may be used in separately managed accounts.

Noteworthy features include operating as a wrap fee program sponsor and offering ERISA §3(38) investment manager services for retirement plans, roles that change the allocation of implementation and monitoring responsibilities for plan sponsors. Concentrum is a five‑advisor team managing nearly $1 billion in client assets and discloses related activities by some personnel as registered representatives and insurance agents, which it says are managed through disclosures and its Code of Ethics.