Conceptual Financial Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and educational seminars. Financial planning was provided to 1–10 clients last fiscal year.
Conceptual Financial Advisors reports 426 clients. They include 347 individual clients, 72 high-net-worth individuals, and 7 pension and profit-sharing plans. Of its assets, 75.4% ($143M across 534 accounts) are managed with discretion; $46.8M across 244 accounts are not. A wrap fee program the firm both sponsors and manages holds $143M. It advised 9 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 81% | 31% |
| High-net-worth individuals | 17% | 56% |
| Pension and profit-sharing plans | 2% | 7% |
| Corporations and other businesses | Fewer than 5 | 7% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 347 | $58.7M | 30.9% | $169K |
| High-net-worth individuals | 72 | $106M | 55.9% | $1.47M |
| Pension and profit-sharing plans | 7 | $12.5M | 6.6% | $1.79M |
| Corporations and other businesses | Fewer than 5 | $12.6M | 6.6% | — |
| Total | 426 | $190M | 100% | — |
- Clients
- 347
- Regulatory AUM
- $58.7M
- AUM share
- 30.9%
- Avg. per client
- $169K
- Clients
- 72
- Regulatory AUM
- $106M
- AUM share
- 55.9%
- Avg. per client
- $1.47M
- Clients
- 7
- Regulatory AUM
- $12.5M
- AUM share
- 6.6%
- Avg. per client
- $1.79M
- Clients
- Fewer than 5
- Regulatory AUM
- $12.6M
- AUM share
- 6.6%
- Avg. per client
- —
Total
- Clients
- 426
- Regulatory AUM
- $190M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 9
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Conceptual Financial Advisors charges 0.50%–1.50% a year for its Portfolio Management Fees. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices 4 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$500K | 1.50% |
| $500K–$1M | 0.75% |
| $1M and above | 0.50% |
Fee details and sources
Other fees
- Financial Planning Fixed Fees
- Negotiated fixed fee of $500 to $7,500 for a financial plan, with 50% paid in advance and the rest on presentation of the plan.
- Hourly Financial Planning
- Negotiated hourly fee of $200 to $300 for financial planning, with 50% paid in advance and the rest on presentation of the plan.
- MyFirstFinancialPlanner
- Flat fee of $500 for a first financial plan, due at signing, with an optional annual update at $350 a year.
- Pension Consulting Services
- Asset-based fee of 0.80% up to $999,999, 0.65% to $1,999,999 and 0.50% from $2 million; generally negotiable, paid in advance.
Chad Nehring owns 75% or more of Conceptual Financial Advisors. The leadership team of Conceptual Financial Advisors includes Chief Compliance Officer Chad Nehring. It has 4 employees, 1 of them in advisory roles.
Staff
- 4 employees
- 1 in advisory functions
- 1 state-registered rep
- 1 broker-dealer rep
- 1 insurance agent
- Owns 75% or more of Conceptual Financial Advisors, LLC
Chad Nehring
Control person · since May 2011
Conceptual Financial Advisors’ regulatory assets grew 1.6× from $120M (June 2022) to $190M (January 2026); clients rose from 187 to 426 and employees from 1 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jan 2026January 2026 | $190M | 426 | 4 | 1 |
| Jan 2025January 2025 | $164M | 452 | 5 | 3 |
| Apr 2024April 2024 | $138M | 502 | 5 | 3 |
| Jul 2023July 2023 | $117M | 462 | 3 | 2 |
| Jun 2022June 2022 | $120M | 187 | 1 | 1 |
Besides its headquarters, Conceptual Financial Advisors has 0 offices, with 1 listed address in 1 state.
Wisconsin · 1 listed address
- 2561 E. Calumet St., AppletonHQ
Contact and registration details
- Legal name
- Conceptual Financial Advisors, LLC
- Headquarters
- 2561 E. Calumet St., Appleton, WI 54915
- Website
- ontrackadvisor.com
- Phone
- 920-731-9500
- SEC file
- 801-123428
- Structure
- Wisconsin LLC
- Fiscal year end
- December
Conceptual Financial Advisors’ named custodians for separately managed accounts are LPL Financial ($143M, 88%) and Capital Bank & Trust ($20.1M, 12%). Conceptual Financial Advisors has custody of $190M for 427 clients.
- LPL FinancialLPL Financial LLC · Fort Mill, SC · $143M88%
- Capital Bank & TrustCapital Bank & Trust · Atlanta, GA · $20.1M12%
At year end, Conceptual Financial Advisors’ separately managed accounts were mostly in funds (91%).
What the accounts hold
- Stocks1%
- Funds91%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash5%
How many clients does Conceptual Financial Advisors have?
Conceptual Financial Advisors has 426 clients and manages $190 million for them, as of January 2026. They include 347 individual clients, 72 high-net-worth individuals, and 7 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 15 January 2026
What services does Conceptual Financial Advisors offer?
Conceptual Financial Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Conceptual Financial Advisors charge?
Conceptual Financial Advisors charges 0.50%–1.50% a year for its Portfolio Management Fees. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
Source: PART 2A, filed 15 January 2026
Which custodians does Conceptual Financial Advisors use?
Conceptual Financial Advisors’ separately managed account assets are held at LPL Financial LLC (Fort Mill, SC), with $143M and Capital Bank & Trust (Atlanta, GA), with $20.1M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 January 2026
How many financial advisors does Conceptual Financial Advisors have?
Conceptual Financial Advisors has 1 investment adviser representative registered with state securities authorities, out of 4 employees, and 1 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Conceptual Financial Advisors invest in?
At the end of its last fiscal year, Conceptual Financial Advisors’ separately managed accounts held 91% registered funds (mutual funds, ETFs, BDCs), 5% cash and equivalents, 1% exchange-traded equities, 1% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Conceptual Financial Advisors?
Conceptual Financial Advisors’ direct owner is Chad Nehring (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 15 January 2026
How does Conceptual Financial Advisors get paid?
Conceptual Financial Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Conceptual Financial Advisors?
Conceptual Financial Advisors’ main office is at 2561 E. Calumet St., Appleton, WI 54915. Its phone number is 920-731-9500. Its website is ontrackadvisor.com.
