Wealth manager, wrap-program sponsor · Appleton, WI
Conceptual Financial Advisors, LLC
SEC-registered investment adviser · CRD 167513 · SEC 801-123428
At a glance
Conceptual Financial Advisors, LLC is an SEC-registered investment adviser based in Appleton, Wisconsin, with $190 million in regulatory assets under management as of its Form ADV filed January 15, 2026. Its largest client group by assets is high-net-worth individuals, and it reports 419 individual clients. By Form ADV it is a wealth manager (wrap-program sponsor), ranked 5,991st of 8,915 wealth managers and 12,500th of 17,210 SEC-registered advisers by assets.
Main office 920-731-9500ontrackadvisor.comLinkedInAs filed on Form ADV
- Regulatory AUM
- $190M
- Rank among wealth managers
- #5,991 of 8,915
- Rank among all SEC RIAs
- #12,500 of 17,210
- Rank in Wisconsin
- #141 of 195
- Individual clients
- 419
- High-net-worth clients
- 72
- Accounts
- 778
- Discretionary
- 75% of AUM
- Employees
- 4
- Advisory staff
- 1
- Offices
- 1
Owners and executives on its Form ADV
- Chad L. NehringMember and Chief Compliance Officer
Custody and brokerage
Broker-dealer
Hybrid RIA
Conceptual Financial Advisors, LLC is a hybrid RIA: 1 of its employees are also registered representatives of a broker-dealer.
Its Form ADV brochure (filed January 2026) names Fortune Financial Services as the broker-dealer its advisers are registered with.
Item 10 Other Financial Industry Activities and Affiliations As a registered representative of Fortune Financial Services, Inc., Chad Lee Nehring accepts compensation for the sale of securities.
Who it serves
| Client type | Clients | Regulatory AUM | Share |
|---|---|---|---|
| High-net-worth individuals | 72 | $106M | 56% |
| Individuals | 347 | $59M | 31% |
| Corporations or other businesses | – | $13M | 7% |
| Pension and profit sharing plans | 7 | $13M | 7% |
Disciplinary disclosures
Conceptual Financial Advisors, LLC reports no disciplinary disclosures in Item 11 of Form ADV. Read the details on the SEC’s adviser search ↗
Services
- Financial planning
- Portfolio management for individuals and small businesses
- Pension consulting
- Selecting other advisers
- Educational seminars and workshops
How it’s paid
- A percentage of assets under management
- Hourly charges
- Fixed fees
Form ADV and brochures on the SEC’s adviser search ↗ontrackadvisor.com ↗
AtlasMembers
The full record on Conceptual Financial Advisors, LLC
Ten years of SEC filings, its owners and contacts, and how it stacks up against its peers. Atlas members see all of it.
- Assets, accounts, clients and staff, 3 years of filings
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- Growth over one, three and five years
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- Rank against 5,888 peers of its type and size
- Locked
- Owners and executives, with titles and stakes
- 1 namedLocked
- Main office, fax and compliance officer
- Locked
- Filing changes this year, with alerts
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Free while Atlas launches: create a free account and confirm your email. Every figure comes from SEC filings.
Background
Questions
How much does Conceptual Financial Advisors, LLC manage?
Conceptual Financial Advisors, LLC reports $190 million in regulatory assets under management across 778 accounts, 75% of it on a discretionary basis, on its Form ADV filed January 15, 2026.
What kind of firm is Conceptual Financial Advisors, LLC?
Conceptual Financial Advisors, LLC is a wealth manager by its Form ADV answers. At least half of its regulatory assets are managed for individuals and high-net-worth individuals.
Who are Conceptual Financial Advisors, LLC’s clients?
By assets, its largest client types are high-net-worth individuals ($106 million, 72 clients); individuals ($59 million, 347 clients); corporations or other businesses ($13 million).
Does Conceptual Financial Advisors, LLC have any disciplinary history?
Conceptual Financial Advisors, LLC reports no disciplinary disclosures in Item 11 of its Form ADV. Check the SEC’s adviser search for the latest record.
Where these numbers come from
Every figure is Conceptual Financial Advisors, LLC’s own answer on its latest Form ADV, from the SEC’s registered-adviser list as of October 1, 2026: regulatory assets and accounts (Item 5.F), clients by type (5.D), employees (5.A and 5.B), compensation (5.E) and services (5.G). Custodians come from Schedule D 5.K(3) of its latest filing (2026-01-15), which lists those holding 10% or more of separately managed account assets and the amount at each. “Hybrid” means some employees are also registered representatives of a broker-dealer (Item 5.B(2)); affiliated broker-dealers are the related persons it lists in Item 7.A and Schedule D. Firm type comes from its own answers: broker-dealer firms are registered broker-dealers themselves (Item 6.A); private fund advisers manage mostly private funds (Item 7.B, 5.D); wealth managers manage at least half their assets for individuals (5.D). Ranks compare it by regulatory assets with every SEC-registered adviser and with firms of its type. Figures are as of the firm’s last annual update, so they can lag recent deals and market moves. Regulatory AUM counts assets the firm continuously supervises and can differ from what a firm markets.
Not an endorsement or a recommendation. Before hiring any adviser, read its Form ADV Part 2A brochure and check its record on the SEC’s adviser search. How to check a financial advisor →