# Cline Financial Concepts, LLC

> Cline Financial Concepts, LLC is a state-registered investment advisory firm in Champaign, IL, registered since 2005, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated September 22, 2026.

- CRD: 135679
- Filed as: CLINE FINANCIAL CONCEPTS, LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Champaign, IL
- Filing period: October 2026
- Form ADV filing dated: September 22, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/135679
- AdvisorCensus page: https://advisorcensus.com/firm/cline-financial-concepts-llc-champaign-il-135679

## Quick answers

**How is Cline Financial Concepts, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Cline Financial Concepts, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Cline Financial Concepts, LLC located?**
Cline Financial Concepts, LLC's principal office is in Champaign, IL, according to its Form ADV.

**Is Cline Financial Concepts, LLC registered with the SEC or a state?**
Cline Financial Concepts, LLC is a state-registered investment advisory firm, registered since 2005. Status as filed: APPROVED. CRD 135679.

**How much does Cline Financial Concepts, LLC manage?**
Cline Financial Concepts, LLC reports $86,819,315 in regulatory assets under management in its Form ADV filing dated September 22, 2026 (95% discretionary).

**What types of clients does Cline Financial Concepts, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (99); high net worth individuals (21).

**Does Cline Financial Concepts, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/135679

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Regulatory assets under management (Item 5.F)
- Total: $86,819,315
- Discretionary: $82,144,716
- Non-discretionary: $4,674,599

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 99 | $19,497,722 |
| High net worth individuals | 21 | $48,021,540 |
| Banking or thrift institutions | Not reported | $0 |
| Investment companies | Not reported | $0 |
| Business development companies | Not reported | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | Not reported | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Not reported | $0 |
| Charitable organizations | Fewer than 5 | $19,300,053 |
| State or municipal government entities (including government pension plans) | Not reported | $0 |
| Other investment advisers | Not reported | $0 |
| Insurance companies | Not reported | $0 |
| Sovereign wealth funds and foreign official institutions | Not reported | $0 |
| Corporations or other businesses not listed above | Not reported | $0 |
| Other | Not reported | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2005 (20 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, IL
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- cline-financial.com
- LinkedIn @scott-cline-78aba844

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cline Financial Concepts, LLC (CRD 135679): Form ADV filing data as of October 2026.