{"url":"https://nivawealth.com/firms/concord-atlantic-121820","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/121820","regulatoryAum":145000000,"crd":"121820","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1960244","suffix":null,"lastName":"MOROZ","firstName":"STEPHEN","middleName":"EUGENE"}],"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":"2021-07-06","regulatoryAum":110000000,"clients":105,"employees":1,"offices":1},{"filedOn":"2022-04-04","regulatoryAum":125000000,"clients":65,"employees":1,"offices":1},{"filedOn":"2023-05-01","regulatoryAum":109006000,"clients":65,"employees":1,"offices":1},{"filedOn":"2024-04-01","regulatoryAum":120000000,"clients":75,"employees":1,"offices":1},{"filedOn":"2025-04-02","regulatoryAum":130000000,"clients":55,"employees":1,"offices":1},{"filedOn":"2026-03-16","regulatoryAum":145000000,"clients":50,"employees":1,"offices":1}],"secFileNumber":"801-120993","legalName":"Concord Atlantic, Inc.","displayName":"Concord Atlantic","slug":"concord-atlantic-121820","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Massachusetts other (specify)","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"7 July 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2900000,"staff":{"employees":1,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":145000000,"discretionary":144000000,"discretionaryAccounts":40,"nonDiscretionary":1000000,"nonDiscretionaryAccounts":10,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":50},"clientTypes":[{"label":"Individuals (other than HNW)","clients":10,"regulatoryAum":1000000},{"label":"High-net-worth individuals","clients":40,"regulatoryAum":144000000}],"feePrograms":[],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T12:36:14.008088+00:00","documents":[{"name":"CONCORD ATLANTIC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019282","versionId":1019282,"submittedOn":"2026-03-16"}]},"custodians":[],"custodyNote":"Concord Atlantic does not have custody of client assets.","leadership":[{"name":"Stephen Moroz","title":"Managing Director/Chief Compliance Officer","crd":"1960244"}],"ownership":[{"label":"Stephen Moroz","detail":"Managing director/chief compliance officer in the 75% or more ownership band and a control person, since April 1993."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"978-369-6060","stateRegisteredReps":0,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":90},{"label":"U.S. government/agency bonds","percent":2},{"label":"Cash and cash equivalents","percent":8}],"privateFunds":0},"sources":{"adv1FilingDate":"16 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/121820/PDF/121820.pdf","brochureDate":"16 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019282","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 Concord Atlantic have?","answer":"Concord Atlantic has 50 clients and manages $145 million for them, as of March 2026. They include 40 high-net-worth individuals and 10 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Concord Atlantic offer?","answer":"Concord Atlantic provides portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How many financial advisors does Concord Atlantic have?","answer":"Concord Atlantic has 0 investment adviser representatives registered with state securities authorities, out of 1 employees, and 1 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Concord Atlantic invest in?","answer":"At the end of its last fiscal year, Concord Atlantic’s separately managed accounts held 90% exchange-traded equities, 8% cash and equivalents and 2% U.S. government and agency 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 Concord Atlantic?","answer":"Concord Atlantic’s direct owner is Stephen Moroz (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Concord Atlantic get paid?","answer":"Concord Atlantic is paid through a percentage of assets under management. 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":"Is Concord Atlantic registered with the SEC?","answer":"Yes, Concord Atlantic has been registered with the SEC as an investment adviser since 7 July 2021. Its CRD number is 121820 and its SEC file number is 801-120993.","source":"Form ADV Part 1A, Item 1, filed 16 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Concord Atlantic?","answer":"Its phone number is 978-369-6060.","source":"Form ADV Part 1A, Item 1.F, filed 16 March 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."}