# Financial Concepts Unlimited, Inc.

> Financial Concepts Unlimited, Inc. is an SEC-registered investment advisory firm, registered since 2002, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 29, 2026.

- CRD: 118641
- Filed as: FINANCIAL CONCEPTS UNLIMITED, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: March 29, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/118641
- AdvisorCensus page: https://advisorcensus.com/firm/financial-concepts-unlimited-inc-118641

## Quick answers

**How is Financial Concepts Unlimited, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Financial Concepts Unlimited, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Financial Concepts Unlimited, Inc. charge?**
Its Form ADV Part 2A brochure dated March 29, 2026 states: Hourly rate: $300 an hour (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Is Financial Concepts Unlimited, Inc. registered with the SEC or a state?**
Financial Concepts Unlimited, Inc. is an SEC-registered investment advisory firm, registered since 2002. Status as filed: Approved. CRD 118641.

**How much does Financial Concepts Unlimited, Inc. manage?**
Financial Concepts Unlimited, Inc. reports $231,359,976 in regulatory assets under management in its Form ADV filing dated March 29, 2026 (100% discretionary).

**How have Financial Concepts Unlimited, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Financial Concepts Unlimited, Inc.: Regulatory assets under management: $160,369,056 in the October 2021 data and $231,359,976 in the October 2026 data, up 44%. Total employees: 4 in October 2021 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Financial Concepts Unlimited, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (123); high net worth individuals (68); corporations or other businesses not listed above (6).

**Which custodians does Financial Concepts Unlimited, Inc. use?**
Financial Concepts Unlimited, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Financial Concepts Unlimited, Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/118641

**What changed in Financial Concepts Unlimited, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 3 to 2. Regulatory assets under management went from $189,754,757 to $231,359,976 (+22%).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 29, 2026)

- Hourly rate: $300 an hour (financial planning services)

> When assets are not held under our management, financial planning services fees are charged at a rate of $300 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $231,359,976
- Discretionary: $231,359,976
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 123 | $36,954,058 |
| High net worth individuals | 68 | $191,323,792 |
| 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) | 1 | $7,642 |
| 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 | 6 | $3,074,484 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2002 (24 years)
- Employees: 3 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, GA, LA, MD, MS, NC, NH, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

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

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $160,369,056 | 4 | July 28, 2021 |
| October 2022 | $153,179,436 | 4 | March 31, 2022 |
| October 2023 | $134,827,284 | 4 | February 8, 2023 |
| October 2024 | $154,073,824 | 4 | May 6, 2024 |
| October 2025 | $189,754,757 | 4 | March 24, 2025 |
| October 2026 | $231,359,976 | 3 | March 29, 2026 |

Regulatory assets under management: $160,369,056 in the October 2021 data and $231,359,976 in the October 2026 data, up 44%.
Total employees: 4 in October 2021 and 3 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 3 to 2.
- Regulatory assets under management went from $189,754,757 to $231,359,976 (+22%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Concepts Unlimited, Inc. (CRD 118641): Form ADV filing data as of October 2026.