Financial Concepts Unlimited, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$228,277,850
This total excludes 7 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
191
36% high-net-worth
Advisors
1
of 3 employees
Firm type
Supported
1-4 advisors or >$200M in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
191
Very HighAverage account size
$1,195,172
About
Financial Concepts Unlimited serves individual and high‑net‑worth clients as well as trusts, businesses, and pension plans, providing discretionary portfolio management, asset allocation, financial planning, variable annuity sub‑account management, and consulting services. The firm primarily implements model portfolios composed of ETFs, mutual funds, stocks, bonds and options and offers ongoing monitoring and periodic reviews consistent with client objectives.
Investment selection draws on both fundamental and technical analysis and the firm places client accounts into in‑house model portfolios that are matched to risk tolerance and goals. The firm also uses borrowing (margin) as a cash‑management or strategic element in some separately managed accounts and treats margin balances as part of the account value for billing and management purposes, which increases both leverage and the account’s reported asset base.
What distinguishes the firm from many peers is its active management of variable annuity sub‑accounts using in‑house model portfolios alongside traditional custodial accounts, and its operational practices around margin in managed accounts—an approach relatively uncommon among similar supported firms. The firm also participates in an institutional custody and trading relationship that provides research, execution and back‑office services while maintaining procedures for accounts with standing transfer authorizations and other custody arrangements.
Client services
Financial planning
Portfolio management
Consulting
Expertise
Cash flow / budgeting
Fee options
Consulting fees charged as flat rate ranging from $0 to $1,000 annually, negotiable
$0 - $499,999: 1.40% - 2.00% $500,000 - $999,999: 1.10% - 1.75% $1,000,000 - $1,999,999: 1.00% - 1.50% $2,000,000+: Negotiable
Advisory representatives receive commissions for variable annuities and insurance products sold through affiliated broker/dealer and insurance companies
Financial planning at $300 per hour, fees negotiable
Fee-only: Fee-only basis; asset management fees charged quarterly as a percentage of assets under management, financial planning charged hourly, consulting charged flat annual fee up to $1,000
Most active in
Financial Concepts Unlimited, Inc. has reported serving >5 clients in these states in the last 12 months.
Florida · Georgia · Louisiana · Maryland · Mississippi · New Hampshire · North Carolina · Texas · Virginia
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
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.
-
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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