# Adams Financial Concepts, LLC

> Adams Financial Concepts, LLC is a state-registered investment advisory firm in Seattle, WA, registered since 2024, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated July 7, 2026.

- CRD: 134545
- Filed as: ADAMS FINANCIAL CONCEPTS, LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Seattle, WA
- Filing period: October 2026
- Form ADV filing dated: July 7, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/134545
- AdvisorCensus page: https://advisorcensus.com/firm/adams-financial-concepts-llc-seattle-wa-134545

## Quick answers

**How is Adams Financial Concepts, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Adams Financial Concepts, LLC reports these compensation arrangements: a percentage of assets under its management; performance-based fees.

**Where is Adams Financial Concepts, LLC located?**
Adams Financial Concepts, LLC's principal office is in Seattle, WA, according to its Form ADV.

**Is Adams Financial Concepts, LLC registered with the SEC or a state?**
Adams Financial Concepts, LLC is a state-registered investment advisory firm, registered since 2024. Status as filed: APPROVED. CRD 134545.

**How much does Adams Financial Concepts, LLC manage?**
Adams Financial Concepts, LLC reports $78,527,362 in regulatory assets under management in its Form ADV filing dated July 7, 2026 (90% discretionary).

**How have Adams Financial Concepts, LLC's assets and staff changed since 2022?**
In the Form ADV data for Adams Financial Concepts, LLC: Regulatory assets under management: $99,967,425 in the October 2022 data and $78,527,362 in the October 2026 data, down 21%. Total employees: 6 in October 2022 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Adams Financial Concepts, LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (76); individuals (other than high net worth individuals) (34); pension and profit sharing plans (but not the plan participants or government pension plans) (3).

**Does Adams Financial Concepts, LLC report any disciplinary disclosures?**
Reports 3 disclosure items on Form ADV Item 11: yes answers to 11.D(1) (another regulator's finding of a false statement or omission, or of dishonest, unfair, or unethical conduct), 11.D(2) (another regulator's finding of a violation), and 11.D(4) (another regulator's order in the past ten years). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/134545

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Performance-based fees

### Regulatory assets under management (Item 5.F)
- Total: $78,527,362
- Discretionary: $71,057,810
- Non-discretionary: $7,469,552

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 34 | $3,025,217 |
| High net worth individuals | 76 | $68,032,593 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 3 | $7,469,552 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | Not reported |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2024 (2 years)
- Employees: 3 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: WA
- Disclosures (Item 11): Reports 3 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(1): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate made a false statement or omission, or was dishonest, unfair, or unethical?
- 11.D(2): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?
- 11.D(4): In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/134545

### Websites listed on Form ADV (Item 1.I)
- adamsfinancialconcepts.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $99,967,425 | 6 | March 25, 2022 |
| October 2023 | $50,190,006 | 4 | March 23, 2023 |
| October 2026 | $78,527,362 | 3 | July 7, 2026 |

Regulatory assets under management: $99,967,425 in the October 2022 data and $78,527,362 in the October 2026 data, down 21%.
Total employees: 6 in October 2022 and 3 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Adams Financial Concepts, LLC (CRD 134545): Form ADV filing data as of October 2026.