# Key Financial Concepts, Inc.

> Key Financial Concepts, Inc. is a state-registered investment advisory firm in Vernon, CT, registered since 1998, reporting under $25 million in regulatory assets under management in its Form ADV filing dated January 12, 2026.

- CRD: 125985
- Filed as: KEY FINANCIAL CONCEPTS, INC.
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Vernon, CT
- Filing period: October 2026
- Form ADV filing dated: January 12, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/125985
- AdvisorCensus page: https://advisorcensus.com/firm/key-financial-concepts-inc-vernon-ct-125985

## Quick answers

**How is Key Financial Concepts, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Key Financial Concepts, Inc. 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 Key Financial Concepts, Inc. located?**
Key Financial Concepts, Inc.'s principal office is in Vernon, CT, according to its Form ADV.

**Is Key Financial Concepts, Inc. registered with the SEC or a state?**
Key Financial Concepts, Inc. is a state-registered investment advisory firm, registered since 1998. Status as filed: APPROVED. CRD 125985.

**How much does Key Financial Concepts, Inc. manage?**
Key Financial Concepts, Inc. reports $10,959,058 in regulatory assets under management in its Form ADV filing dated January 12, 2026 (0% discretionary).

**What types of clients does Key Financial Concepts, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (18); high net worth individuals (8).

**Does Key Financial Concepts, Inc. 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/125985

## 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: $10,959,058
- Discretionary: $0
- Non-discretionary: $10,959,058

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 18 | $4,852,064 |
| High net worth individuals | 8 | $6,106,994 |

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

### Firm details
- Registered since: 1998 (28 years)
- Employees: 2 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CT
- 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. Key Financial Concepts, Inc. (CRD 125985): Form ADV filing data as of October 2026.