{"url":"https://nivawealth.com/firms/concordia-wealth-management-164278","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/164278","regulatoryAum":197112273,"crd":"164278","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6424663","suffix":null,"lastName":"DARON","firstName":"JAMES","middleName":"PATRICK"},{"crd":"2051214","suffix":null,"lastName":"RODRIGUEZ","firstName":"ROBERT","middleName":null}],"total":2,"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":"2021-03-23","regulatoryAum":180177334,"clients":55,"employees":3,"offices":1},{"filedOn":"2022-03-01","regulatoryAum":181979688,"clients":53,"employees":3,"offices":1},{"filedOn":"2023-03-28","regulatoryAum":157924845,"clients":57,"employees":3,"offices":1},{"filedOn":"2024-03-13","regulatoryAum":170427780,"clients":58,"employees":3,"offices":2},{"filedOn":"2025-03-12","regulatoryAum":188655978,"clients":54,"employees":3,"offices":2},{"filedOn":"2026-03-16","regulatoryAum":197112273,"clients":53,"employees":4,"offices":2}],"secFileNumber":"801-77860","legalName":"Concordia Wealth Management, LLC","displayName":"Concordia Wealth Management","slug":"concordia-wealth-management-164278","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Massachusetts limited liability company","fiscalYearEnd":"December","headquarters":{"street":"37 Main Street, Suite 1","city":"Concord","state":"MA","stateName":"Massachusetts","country":"United States","postalCode":"01742"},"tradeNames":[],"registration":{"secApproved":"2 April 2013","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":3321365.1063829786,"staff":{"employees":4,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":197112273,"discretionary":185814405,"discretionaryAccounts":103,"nonDiscretionary":11297868,"nonDiscretionaryAccounts":13,"wrapProgram":null,"nonUsClientsPct":57,"nonAumClients":3},"clientTypes":[{"label":"Individuals (other than HNW)","clients":7,"regulatoryAum":3648633},{"label":"High-net-worth individuals","clients":40,"regulatoryAum":152455527},{"label":"Corporations and other businesses","clients":6,"regulatoryAum":41008113}],"feePrograms":[{"role":"main","program":"Investment Advisory Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019544","versionId":1019544,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-16","documentName":"03 16 2026 CON FORM ADV PART 2A AND 2B FINAL","fee_rate_low":0.3,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Family Office Services","summary":"An annual flat fee set out in the family office services agreement, billed monthly or quarterly in arrears, depending on scope.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019544","versionId":1019544,"submittedOn":"2026-03-16","documentName":"03 16 2026 CON FORM ADV PART 2A AND 2B FINAL"},{"role":"other","program":"Financial Planning","summary":"Charged as a flat fee set out in a financial planning agreement; basic plans are paid on completion and complex plans by deposit and milestone payments.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019544","versionId":1019544,"submittedOn":"2026-03-16","documentName":"03 16 2026 CON FORM ADV PART 2A AND 2B FINAL"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:32:34.431564+00:00","documents":[{"name":"03 16 2026 CON FORM ADV PART 2A AND 2B FINAL","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019544","versionId":1019544,"submittedOn":"2026-03-16"}]},"custodians":[{"name":"Morgan Stanley Smith Barney LLC","shortName":"Morgan Stanley","location":"New York, NY","smaAssets":195621362}],"custodyNote":"Concordia Wealth Management has custody of client assets.","otherCustodians":[],"leadership":[{"name":"Robert Rodriguez","title":"Managing Member and Chief Compliance Officer","crd":"2051214"}],"ownership":[{"label":"Robert Rodriguez","detail":"Managing member and chief compliance officer in the 75% or more ownership band and a control person, since May 2012."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Massachusetts","offices":1,"addresses":[{"street":"37 Main Street, Suite 1","city":"Concord","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"978-371-7044","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Other"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":56},{"label":"U.S. state and local bonds","percent":4},{"label":"Investment grade corporate bonds","percent":26},{"label":"Non-investment grade corporate bonds","percent":3},{"label":"Cash and cash equivalents","percent":7},{"label":"Other","percent":4,"detail":"Hedge Funds"}],"privateFunds":0},"sources":{"adv1FilingDate":"16 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/164278/PDF/164278.pdf","brochureDate":"16 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019544","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 Concordia Wealth Management have?","answer":"Concordia Wealth Management has 53 clients and manages $197 million for them, as of March 2026. They include 40 high-net-worth individuals, 7 individual clients, and 6 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Concordia Wealth Management offer?","answer":"Concordia Wealth Management provides financial planning and 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 much does Concordia Wealth Management charge?","answer":"Concordia Wealth Management charges 0.30%–1.00% a year for its Investment Advisory Services. The fee is billed in arrears and is negotiable.","source":"03 16 2026 CON FORM ADV PART 2A AND 2B FINAL, filed 16 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Concordia Wealth Management use?","answer":"Concordia Wealth Management’s separately managed account assets are held at Morgan Stanley Smith Barney LLC (New York, NY), with $196M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Concordia Wealth Management have?","answer":"Concordia Wealth Management has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 2 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 Concordia Wealth Management invest in?","answer":"At the end of its last fiscal year, Concordia Wealth Management’s separately managed accounts held 56% exchange-traded equities, 26% investment grade corporate bonds, 7% cash and equivalents, 4% state and local bonds, 4% other and 3% high-yield corporate bonds. The 4% other category is described as: Hedge Funds.","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 Concordia Wealth Management?","answer":"Concordia Wealth Management’s direct owner is Robert Rodriguez (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Concordia Wealth Management get paid?","answer":"Concordia Wealth Management is paid through a percentage of assets under management 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 Concordia Wealth Management?","answer":"Concordia Wealth Management’s main office is at 37 Main Street, Suite 1, Concord, MA 01742. Its phone number is 978-371-7044.","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."}