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At Conceptual Financial Advisors, LLC we believe that “one plan does not fit all.” Therefore, we have the ability to look at one or two specific areas of finance…or an entire plan. It’s your choice. All plans will include a complimentary review of existing insurance coverage (home, auto, life, health, disability, and employee benefits).


A thorough analysis of cash flow. This includes preparation of a trial balance sheet, a detailed income/expense report, and a personal analysis by an advisor. Identified will be opportunities for expense reduction, savings opportunities, and some limited tax strategy planning. A cash flow analysis forms the baseline for additional planning and is the foundation to a successful financial plan. A cash flow analysis will require submission of a budget/spending plan and some additional “homework.”


An analysis of a current investment portfolio. This will include a review of all holdings, benchmarked against various market indices. Performance will be evaluated and independent research from various sources (Morningstar, S&P, Valueline, etc.) will be provided. Commentary on the portfolio will be provided by a staff advisor, however no specific portfolio recommendations will be made. This is perhaps helpful for those looking for a second opinion on an existing portfolio or who are doing their own research.


In addition to the Portfolio Analysis, the addition of specific recommendations being made according to goals and risk tolerance. A “Monte Carlo” simulation will also be provided looking at probabilities of return and achieving a particular goal. (Monitoring of the allocation with ongoing recommendations can also be done, for additional fees).


Saving for retirement is a fairly common goal for many investors. This analysis establishes a baseline or “current” scenario, based on your cash flow, as above. We will review your existing portfolio, analyze a test of your goals and risk tolerance, and make specific recommendations for effective retirement savings. A “Monte Carlo” simulation will be provided looking at probabilities of return and achieving a goal. We will also explore strategies for receiving Social Security and pension payouts.


We will educate you on the various facets of estate planning, including powers of attorney, wills, revocable and irrevocable trusts, and charitable gifting, and the cause and effect of each on your overall portfolio. We will examine how your goals for the disposition of assets may affect your taxes. We will analyze and provide advice for specific eldercare situations, including strategies for those working with elderly parents, how Medicare and Medicaid work, and specific planning for Long Term Care. We will also attend a meeting with an estate planning attorney, if you so choose.


For insurance policy consulting services that may rise above our complimentary review. This may involve analysis of non-qualified executive benefits, deferred compensation plans, split-dollar plans or pension maximization scenarios. Specific and detailed recommendations will be made using your existing coverage as a baseline.


A review of a previous plan, with current reports and benchmarking against previous meetings. Serves as an effective “progress report” for an existing plan.

Please note that with any of our planning services, where specific advice is provided, you are completely free to implement the suggestions with a planner or investment advisor of your choice.

However, should you elect to utilize Conceptual Financial Advisors, LLC for ongoing asset management services, we will offset asset management fees by the amount of planning services charged, if utilized within 12 months of the plan implementation steps.

Costs for the services above are discussed at our initial meeting and are available at anytime on request.


Have a question regarding a specific circumstance, but don’t require a full module or comprehensive plan? We have “a la carte” planning services available. This can be on virtually any finance related issue that we are qualified to advise on. If your instance requires an outside professional, we will gladly make a referral at no charge.

Cost: $275  per hour with a 15 minute minimum


Going it alone with your investments? Curious about another advisor’s recommendations? Just want to know where you stand? Use our “2nd opinion” service. We will evaluate your risk tolerance via discussion, and your portfolio via Morningstar™. This will give you an internal look at your portfolio as to risk/reward, technical measurements, time-weighted performance, and allocation. Keep in mind that our opinion is just that, an opinion. We will advise if we see any “red flags” and give you an understanding of what you own.




FOR INFORMATION, YOU MAY ALSO CONSULT OUR 2021 Conceptual Financial Advisors LLC ADV Part 2A & Wrap Fee Program Brochure