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The fee is billed in advance and is negotiable.","source":"MFC - ADV 2A BROCHURE 3.5.2026, filed 5 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Morris Financial Concepts use?","answer":"Morris Financial Concepts’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $268M and Fidelity Brokerage Services LLC (Mount Pleasant, SC), with $250M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 5 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Morris Financial Concepts have?","answer":"Morris Financial Concepts has 9 investment adviser representatives registered with state securities authorities, out of 10 employees, and 9 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 Morris Financial Concepts invest in?","answer":"At the end of its last fiscal year, Morris Financial Concepts’ separately managed accounts held 82% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities, 3% cash and equivalents 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 Morris Financial Concepts?","answer":"Morris Financial Concepts’ direct owners are Kyra Morris (75% or more) and James Morris (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Morris Financial Concepts get paid?","answer":"Morris Financial Concepts is paid through a percentage of assets under management, hourly charges and fixed fees. 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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."}