Clients
Concord Advisory Group serves 204 clients, 66 of them charitable organizations. The average client has about $226 million with the firm, and high-net-worth clients hold 0% of its $46.2 billion in assets.
- Pension and profit-sharing plans37 clients41%
- Charitable organizations66 clients14%
- Insurance companies26 clients10%
- Corporations and other businesses32 clients29%
- Other40 clients6%
- High-net-worth individuals3 clients0%
Show client breakdownHide client breakdown
| Client type | Clients | Regulatory AUM | Share | Avg. per client |
|---|---|---|---|---|
| High-net-worth individuals | 3 | $31,674,722 | 0.1% | $10.6M |
| Pension and profit-sharing plans | 37 | $18,764,842,122 | 40.6% | $507.2M |
| Charitable organizations | 66 | $6,588,834,265 | 14.3% | $99.8M |
| Insurance companies | 26 | $4,430,805,281 | 9.6% | $170.4M |
| Corporations and other businesses | 32 | $13,460,958,374 | 29.1% | $420.7M |
| Other | 40 | $2,909,583,817 | 6.3% | $72.7M |
| Total | 204 | $46,186,698,581 | 100% | $226.4M |
- Clients
- 3
- Regulatory AUM
- $31,674,722
- Share
- 0.1%
- Avg. per client
- $10.6M
- Clients
- 37
- Regulatory AUM
- $18,764,842,122
- Share
- 40.6%
- Avg. per client
- $507.2M
- Clients
- 66
- Regulatory AUM
- $6,588,834,265
- Share
- 14.3%
- Avg. per client
- $99.8M
- Clients
- 26
- Regulatory AUM
- $4,430,805,281
- Share
- 9.6%
- Avg. per client
- $170.4M
- Clients
- 32
- Regulatory AUM
- $13,460,958,374
- Share
- 29.1%
- Avg. per client
- $420.7M
- Clients
- 40
- Regulatory AUM
- $2,909,583,817
- Share
- 6.3%
- Avg. per client
- $72.7M
Total
- Clients
- 204
- Regulatory AUM
- $46,186,698,581
- Share
- 100%
- Avg. per client
- $226.4M
What it does
Concord Advisory Group provides pension consulting, selecting other managers and other activities. It is paid through fixed fees and other arrangements.
Concord Advisory Group provided financial planning to 0 clients last fiscal year and advises no private funds.
0.0% of assets ($0 across 0 accounts) are managed with discretion; $46.19B across 204 accounts are not. 4% of clients are outside the U.S., and 0 clients received advice without assets under management last fiscal year.
What the accounts hold
- Stocks4%
- Funds79%
- Registered funds53%
- Pooled vehicles26%
- Bonds12%
- U.S. government and agency bonds5%
- Investment grade corporate bonds3%
- State and local bonds2%
- Sovereign bonds1%
- High-yield corporate bonds1%
- Cash5%
Custodians
Concord Advisory Group’s client accounts are held mainly at BNY Mellon, with 19% of managed assets, and Fidelity, with 16%. Concord Advisory Group does not have custody of client assets.
- BNY MellonBNY Mellon · 240 Greenwich Street, NJ · $8.70B19%
- FidelityFidelity · Boston, MA · $7.60B16%
- All other custodians$29.89B65%
Ownership and leadership
Scott Santin owns 25% to 50% of Concord Advisory Group.
- Owns 25% to 50% of Concord Advisory Group LTD
Scott Santin
Control person · since April 1990
- Owns 25% to 50% of Concord Advisory Group LTD
Christopher Cahill
Control person · since April 1990
- Owns 10% to 25% of Concord Advisory Group LTD
Michael Michalski
since April 1990
Leadership
- Scott SantinManaging Partner, Chief Compliance Officer
- Christopher CahillPartner
- Michael MichalskiPartner
Staff
- 34 employees
- 12 in advisory functions
Fees
Concord Advisory Group is paid through fixed fees (other than subscription fees) and other.
Concord Advisory Group’s fee rates are not included in this profile. Find its brochure on the SEC’s site.
Offices and registrations
Besides its headquarters, Concord Advisory Group has 1 office, with 2 listed addresses across 2 states.
Florida · 1 listed address
- 800 N. Magnolia Avenue, Orlando
New Jersey · 1 listed address
- 700 Alexander Park, Suite 203 & 202, PrincetonHQ
Registration details
- Legal name
- Concord Advisory Group LTD
- Headquarters
- 700 Alexander Park, Suite 203 & 202, Princeton, NJ 08540
- Phone
- 609-987-9000
- Website
- www.concordadvisory.com
- SEC file
- 801-38219
- Structure
- New Jersey corporation
- Fiscal year end
- December
This directory does not report disciplinary history, for any firm or individual, in either direction. The SEC publishes the complete record, including any disciplinary events, and it is the authoritative place to check one. See this firm's record on adviserinfo.sec.gov
Common questions
How many clients does Concord Advisory Group have?
Concord Advisory Group has 204 clients and manages $46.2 billion for them, as of March 2026. They include 66 charitable organizations, 40 other clients and 37 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 11 March 2026
What services does Concord Advisory Group offer?
Concord Advisory Group provides pension consulting, selecting other managers and other activities.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Concord Advisory Group use?
Concord Advisory Group’s separately managed account assets are held at BNY Mellon (240 Greenwich Street, NJ), with $8,700,334,970 and Fidelity (Boston, MA), with $7,598,839,710. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 March 2026
How many financial advisors does Concord Advisory Group have?
Concord Advisory Group has 0 investment adviser representatives registered with state securities authorities, out of 34 employees, and 12 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Concord Advisory Group invest in?
At the end of its last fiscal year, Concord Advisory Group’s separately managed accounts held 53% registered funds (mutual funds, ETFs, BDCs), 26% pooled vehicles (private funds and similar), 5% U.S. government and agency bonds, 5% cash and equivalents, 4% exchange-traded equities, 3% investment grade corporate bonds, 2% state and local bonds, 1% sovereign bonds and 1% high-yield corporate bonds. It advises no private funds of its own.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Concord Advisory Group?
Concord Advisory Group’s direct owners are Michael Michalski, Scott Santin and Christopher Cahill, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 11 March 2026
How does Concord Advisory Group get paid?
Concord Advisory Group is paid through fixed fees and other arrangements. 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
