{"url":"https://nivawealth.com/firms/conceptual-financial-advisors-167513","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/167513","regulatoryAum":189909772,"crd":"167513","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4417406","suffix":null,"lastName":"NEHRING","firstName":"CHAD","middleName":"LEE"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2022-06-01","regulatoryAum":120097455,"clients":187,"employees":1,"offices":1},{"filedOn":"2023-07-20","regulatoryAum":117256530,"clients":462,"employees":3,"offices":2},{"filedOn":"2024-04-15","regulatoryAum":138282143,"clients":502,"employees":5,"offices":3},{"filedOn":"2025-01-13","regulatoryAum":163575190,"clients":452,"employees":5,"offices":3},{"filedOn":"2026-01-15","regulatoryAum":189909772,"clients":426,"employees":4,"offices":1}],"secFileNumber":"801-123428","legalName":"Conceptual Financial Advisors, LLC","displayName":"Conceptual Financial Advisors","slug":"conceptual-financial-advisors-167513","website":"https://ontrackadvisor.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/167513/5690c3b39f633a24-r1.webp","tone":"dark","width":244,"height":200,"sourceUrl":"https://ontrackadvisor.com/","sourceLabel":"Conceptual Financial Advisors, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/conceptual-financial-planning-inc./","founded":null,"organization":"Wisconsin limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2561 E. Calumet St.","city":"Appleton","state":"WI","stateName":"Wisconsin","country":"United States","postalCode":"54915"},"tradeNames":[],"registration":{"secApproved":"19 April 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":393313.27923627687,"staff":{"employees":4,"advisory":1,"brokerDealerReps":1,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":189909772,"discretionary":143158726,"discretionaryAccounts":534,"nonDiscretionary":46751046,"nonDiscretionaryAccounts":244,"wrapProgram":143158726,"nonUsClientsPct":0,"nonAumClients":9},"clientTypes":[{"label":"Individuals (other than HNW)","clients":347,"regulatoryAum":58708411},{"label":"High-net-worth individuals","clients":72,"regulatoryAum":106089853},{"label":"Pension and profit-sharing plans","clients":7,"regulatoryAum":12512464},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":12599044}],"feePrograms":[{"role":"main","program":"Portfolio Management Fees","feeBasis":"marginal","fee_tiers":[{"to":500000,"pct":1.5,"from":0},{"to":1000000,"pct":0.75,"from":500000},{"to":null,"pct":0.5,"from":1000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001976","versionId":1001976,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-01-15","documentName":"PART 2A","fee_rate_low":0.5,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning Fixed Fees","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001976","versionId":1001976,"submittedOn":"2026-01-15","documentName":"PART 2A"},{"role":"other","program":"Hourly Financial Planning","summary":"Negotiated hourly fee of $200 to $300 for financial planning, with 50% paid in advance and the rest on presentation of the plan.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001976","versionId":1001976,"submittedOn":"2026-01-15","documentName":"PART 2A"},{"role":"other","program":"MyFirstFinancialPlanner","summary":"Flat fee of $500 for a first financial plan, due at signing, with an optional annual update at $350 a year.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001976","versionId":1001976,"submittedOn":"2026-01-15","documentName":"PART 2A"},{"role":"other","program":"Pension Consulting Services","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001976","versionId":1001976,"submittedOn":"2026-01-15","documentName":"PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:41:34.596549+00:00","documents":[{"name":"PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001976","versionId":1001976,"submittedOn":"2026-01-15"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001977","versionId":1001977,"submittedOn":null}]},"custodians":[{"name":"LPL Financial LLC","shortName":"LPL Financial","location":"Fort Mill, SC","smaAssets":143158726},{"name":"Capital Bank & Trust","shortName":"Capital Bank & Trust","location":"Atlanta, GA","smaAssets":20097388}],"custodyNote":"Conceptual Financial Advisors has custody of $190M for 427 clients.","otherCustodians":[],"leadership":[{"name":"Chad Nehring","title":"Member and Chief Compliance Officer","crd":"4417406"}],"ownership":[{"label":"Chad Nehring","detail":"Member and chief compliance officer in the 75% or more ownership band and a control person, since May 2011."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Wisconsin","offices":1,"addresses":[{"street":"2561 E. Calumet St.","city":"Appleton","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"920-731-9500","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)","Educational seminars/workshops"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":1},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":91},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"15 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/167513/PDF/167513.pdf","brochureDate":"15 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001976","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Conceptual Financial Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Conceptual Financial Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Conceptual Financial Advisors charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Conceptual Financial Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Conceptual Financial Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Conceptual Financial Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Conceptual Financial Advisors?","answer":"Conceptual Financial Advisors’ direct owner is Chad Nehring (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 15 January 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Conceptual Financial Advisors get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Conceptual Financial Advisors?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 15 January 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}