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My First Financial Planner


Conceptual Investment Advisors, Inc (CIAI) was formed in 1994 to assist clients with fee-based financial planning, 401(k) consultation services, project management, and asset based money management. A secondary Registered Investment Advisor practice, Conceptual Financial Advisors, LLC (CFA) was formed in 2010 and replaced CIAI in 2013. 

Advisory Services offered through Conceptual Financial Advisors, LLC , a Registered Investment Advisor in the State of Wisconsin. Chad Nehring is also a Registered Representative of and offers securities through Fortune Financial Services, Inc.  Member FINRA/SIPC. Conceptual Financial Advisors, LLC/Conceptual Financial Planning, Inc. and Fortune Financial Services, Inc. are separate entities.

We are based in Appleton, WI and typically work with families and businesses in a radius that encompasses the Fox River Valley including Appleton, Green Bay, Oshkosh, Neenah, Menasha, Kaukauna, Kimberly, Little Chute, Combined Locks, Freedom, Wrightstown and DePere. Nothing in the content of this website should be construed to represent specific investment or financial planning advice, nor should it be construed as forming a client/planner relationship.

MFFP is a division of CFA and shares affiliated Investment Advisor Representatives.

Consult our  2022 Conceptual Financial Advisors LLC ADV Part 2A & Wrap Fee Program Brochurefor more information. 

Please also review our Customer Relationship Summary.