# Concepts Financial Services, LLC

> Concepts Financial Services, LLC is a state-registered investment advisory firm in Kirkland, WA, registered since 2020, reporting under $25 million in regulatory assets under management in its Form ADV filing dated March 23, 2026.

- CRD: 305925
- Filed as: CONCEPTS FINANCIAL SERVICES, LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Kirkland, WA
- Filing period: October 2026
- Form ADV filing dated: March 23, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/305925
- AdvisorCensus page: https://advisorcensus.com/firm/concepts-financial-services-llc-kirkland-wa-305925

## Quick answers

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

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

**Is Concepts Financial Services, LLC registered with the SEC or a state?**
Concepts Financial Services, LLC is a state-registered investment advisory firm, registered since 2020. Status as filed: APPROVED. CRD 305925.

**How much does Concepts Financial Services, LLC manage?**
Concepts Financial Services, LLC reports $22,856,659 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (0% discretionary).

**What types of clients does Concepts Financial Services, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (90); high net worth individuals (4); corporations or other businesses not listed above (2).

**Does Concepts Financial Services, 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/305925

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Regulatory assets under management (Item 5.F)
- Total: $22,856,659
- Discretionary: $0
- Non-discretionary: $22,856,659

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 90 | $17,608,836 |
| High net worth individuals | 4 | $5,167,849 |
| Corporations or other businesses not listed above | 2 | $79,974 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Educational seminars/workshops

### Firm details
- Registered since: 2020 (6 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Concepts Financial Services, LLC (CRD 305925): Form ADV filing data as of October 2026.