You Are Unique!
This isn't just a biological fact; it’s the reality of your lifestyle, your history, and your financial circumstances. No one else has your specific perspective on wealth, nor do they navigate the world exactly as you do.
Your financial life is a complex ecosystem of interactions:
The Way You Earn: Your career path and income streams are distinct.The Way You Live: Your habits of spending, saving, and gifting are personal choices.
The Assets You Hold: Your benefits and investments have been built through your specific efforts.
The Legacy You Desire: What you ultimately want your money to do is yours alone.
If your financial world is this individual, why would you ever settle for a "financial grinding mill"? You deserve better than being treated as an impersonal number or shuffled through a production line of standardized practices. At Money Concepts, we don't fit you into a pre-set category—we build a strategy around the unique person you already are.
Check and Balance System
For us to accomplish this part of our objective for you, it starts with organizing our structure to minimize and eliminate conflicts of interest. For similar reasons that our founding fathers of the Federal government set up our system of government, Money Concepts is also structured correspondingly. Three pillars of independent entities keep “check” on each other to help ensure accountability and the actions of each are “balanced” with client direction, regulations and ethical standards. The three independent pillars include the following:
Conflicts of Interest
Striving for the ultimate fiduciary responsibility means eliminating the "ulterior motives" that often conflict with your best interests. Our structure at Money Concepts is intentionally designed to protect that integrity. Unlike many firms, we are not owned or controlled by a parent company that produces banking, insurance, or investment products. We aren't a publicly-traded corporation answering to shareholders whose profits might come before your progress.
Because we have no proprietary products to push and no "house brands" to sell, your Money Concepts financial planner is free from vendor preferences or revenue-sharing pressures.
This independence is our greatest asset to you. It means our recommendations are made without the undue influence, prejudice, or bias often found in advisors who act on behalf of a parent company. When we sit across the table from you, we aren't representing a bank or an insurance giant—we are representing you.
Treating You Right
Many sources tell you what you want to hear for their own self serving needs, rather than what you need to hear. This leaves you in a cycle of constant searching, hoping to find that "pot of gold" but never knowing for sure if you’re on the right path.
You shouldn't have to spend your time vetting every piece of financial news. Our role is to stop the cycle of uncertainty. We provide the objective, thorough, and personally tailored guidance you need to move past the noise and find true financial confidence.
Beyond Just Suitability
In the financial industry, many recommendations are merely "suitable"—meaning they are acceptable, but not necessarily optimal. Without a complete understanding of how five LifeLong Financial Strategies™ impact your individual LifeStage Financial Objectives™ over time, it is impossible to move beyond mere suitability to what is truly in your best interest. Our goal is to ensure that every strategy we implement is aligned with the totality of your financial life.
To truly act in your best interest as a fiduciary, we believe we must understand your financial life as well as—or even better than—you do. This level of clarity is impossible without a personalized, written, and comprehensive financial plan.
You're Always In Control
Most importantly, your Money Concepts financial planner acts only with your specific approval - always! We are a relationship-driven firm, not a sales-oriented one. We believe in total transparency. Any recommendation we make is backed by full disclosure, sharing the options, details, risk and compensation. Because every financial situation is unique, we offer a flexible range of compensation methods. However, by offering fee-based options rather than just commissions, we ensure that our compensation is a reflection of the value and performance we provide, rather than just a transaction.
We have eliminated the sales quotas, contests, and hidden incentives that often pressure other advisors into making inappropriate recommendations. With us, your progress is our only priority.
Effective and Efficient
Non Proprietary Products
Although we neither own nor are affiliated with other financial product and service firms, Money Concepts represents hundreds of different financial companies and thousands of products to better match your needs with the right financial product. And if there is a company or product we do not currently represent, we will conduct our due diligence to determine if it is in your best interest to be able to offer the financial product to you. Not all financial companies meet our due diligence scrutiny.
Comprehensive Personalized Service
Your Money Concepts financial planning center offers a wide variety of personalized services. For instance, banking services like regular bill paying, credit cards, and check writing all directly associated with your personal investment account. Plus, you have total access to your Money Concepts financial planner who can provide guidance with house and car leases or purchases, small business financial operations and employee benefits, homeowners insurance and much more. Ask us how we can serve you better.
Management Consolidation
To help accomplish our main objective, your Money Concepts financial planning center helps you organize and simplify your financial world. Consolidating your financial activity into a single point of contact lessens your time and effort. We can help manage and assist in your banking, investments, insurance, employer benefits, tax / estate planning and more. We coordinate and work together with attorneys, tax professionals, real estate brokers, philanthropic organizations, mortgage brokers, portfolio managers, small business services, etc. Plus, by consolidating your financial accounts, you can better manage the activity.
Personal Concierge Service
Limited Number of Clients
Many financial service organizations have a business model that incentivizes their financial advisors to constantly acquire as many clients as possible. Not your Money Concepts financial planning center! On average, the number of clients served by one dedicated Money Concepts financial planner is less than half that of the industry average. We do this so as not to jeopardize the personal, concierge service we provide to help meet our primary objective – to serve you! This allows us to maximize time and availability in serving clients. Firm growth is based on expanding services, growing client assets and adding financial planners as needed.
One and Only One
To be able to make your financial strategic recommendations, your Money Concepts financial planner must be directly involved in personally understanding your entire financial world. This cannot be done if, like many firms, they delegate responsibilities. We do not delegate or outsource the production of your written, personal financial plan. There is not a separate person for insurance or investments nor accounts and customer service. Your Money Concepts financial planner understands you, so when you call or have an issue, he is knowledgeable in providing answers that are in your best interest.
Expanded Availability
At your Money Concepts financial planning center, we work together on your time schedule which may include evening hours and weekends. Plus a cell phone number is always available for immediate contact.
Direct point of contact is always your Money Concepts financial planner who is immersed in your financial world. You have less people to deal with. Usually, the more you work together, the better we know each other, the better the results.