Ember Wealth Concepts & Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Ember Wealth Concepts & Financial Planning provides discretionary portfolio management, comprehensive financial planning, and pension consulting to individuals, high‑net‑worth families, retirement plans, corporations, and pension clients. As of December 31, 2025, the firm reported roughly $40.99 million in regulatory assets under management across about 93 client relationships.
The firm combines proprietary tools—a quantitative optimization model and value‑oriented research—with strategic and tactical asset‑allocation approaches, and may hold a meaningful cash allocation depending on market conditions. Ember also implements third‑party model portfolios provided through Envestnet and other managers, delivers tailored written financial plans, and offers legacy position management while conducting periodic account reviews under discretionary authority.
Compared with similarly sized advisers, Ember is notable for offering pension consulting and portfolio management for institutional clients in addition to individual services, and for disclosing that associated persons are licensed to sell insurance and may recommend insurance products. The firm also uses the Envestnet platform (with a separate platform fee) while retaining discretion over account implementation, and it discloses potential conflicts around rollovers and insurance recommendations along with the factors it considers to mitigate those conflicts.
Client services
Expertise
Fee options
$2,500-$15,000
$0 - $500,000: 2.00% $500,001 - $1,000,000: 1.75% $1,000,001 - $2,500,000: 1.50% $2,500,001 - $5,000,000: 1.25% $5,000,001+: 1.00%
$250-$500 per hour
Account minimum: $100,000
Main office
Denver CO
Advisors at this office
1
Most active in
Colorado · Iowa · Minnesota · Nebraska · Texas
Also doing business as
Ember LLC · Ember Wealth Concepts & Financial Planning
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
Forms ADV
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