# Money Concepts Advisory Service

> Money Concepts Advisory Service is an SEC-registered investment advisory firm in Palm Beach Gardens, FL, registered since 1991, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated March 24, 2026.

- CRD: 12963
- Filed as: MONEY CONCEPTS ADVISORY SERVICE
- Legal name: Money Concepts Capital Corp
- Also doing business as: MONEY CONCEPTS ADVISORY SERVICE
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Palm Beach Gardens, FL
- Filing period: October 2026
- Form ADV filing dated: March 24, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/12963
- AdvisorCensus page: https://advisorcensus.com/firm/money-concepts-advisory-service-palm-beach-gardens-fl-12963

## Quick answers

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

**How much does Money Concepts Advisory Service charge?**
Its Form ADV Part 2A brochure dated March 24, 2026 states: Hourly rate: $450 an hour (consulting). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Money Concepts Advisory Service located?**
Money Concepts Advisory Service's principal office is in Palm Beach Gardens, FL, according to its Form ADV; the April 2026 filing also lists 25 other offices (Schedule D, Section 1.F).

**Is Money Concepts Advisory Service registered with the SEC or a state?**
Money Concepts Advisory Service is an SEC-registered investment advisory firm, registered since 1991. Status as filed: Approved. CRD 12963.

**How much does Money Concepts Advisory Service manage?**
Money Concepts Advisory Service reports $4,067,994,442 in regulatory assets under management in its Form ADV filing dated March 24, 2026 (61% discretionary).

**How have Money Concepts Advisory Service's assets and staff changed since 2021?**
In the Form ADV data for Money Concepts Advisory Service: Regulatory assets under management: $3,306,729,257 in the October 2021 data and $4,067,994,442 in the October 2026 data, up 23%. Total employees: 533 in October 2021 and 478 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Money Concepts Advisory Service serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (16,296); high net worth individuals (511); pension and profit sharing plans (but not the plan participants or government pension plans) (143).

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

**Does Money Concepts Advisory Service report any disciplinary disclosures?**
Reports 6 disclosure items on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation), 11.D(4) (another regulator's order in the past ten years), 11.D(5) (another regulator's denial, suspension, or revocation of a registration or license, bar, or restriction), 11.E(2) (self-regulatory organization's finding of a rule violation), 11.H(1)(c) (regulator's civil action dismissed under a settlement), and 11.H(2) (pending civil proceeding). 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 SEC record: https://adviserinfo.sec.gov/firm/summary/12963

**What changed in Money Concepts Advisory Service's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 431 to 375. Regulatory assets under management went from $3,328,625,395 to $4,067,994,442 (+22%). Added an office in Batesville, IN. Added an office in Boston, MA. Added an office in Brea, CA. Added an office in Conway, AR. Added an office in Fort Worth, TX. Added an office in Indianapolis, IN. Added an office in Middleville, MI. Added an office in Orangeburg, NY. Added an office in Perrysburg, OH. Added an office in Pleasant View, TN. Added an office in Sarasota, FL. Added an office in Troy, MI. Added an office in Westfield, MA. No longer lists an office in Cleveland, TN. No longer lists an office in Farmington, MO. No longer lists an office in Fullerton, CA. No longer lists an office in Hurricane, WV. No longer lists an office in Loveland, CO. No longer lists an office in Miami, FL. No longer lists an office in New City, NY. No longer lists an office in Portsmouth, OH. No longer lists an office in Prairie Village, KS. No longer lists an office in Saint Petersburg, FL. No longer lists an office in Sioux Center, IA. No longer lists an office in Vandalia, OH. No longer lists an office in Wethersfield, CT. Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 24, 2026)

- Hourly rate: $450 an hour (consulting)

> Hourly fees for consulting will be negotiated on a client-by-client basis and will not exceed $450/hour. Fees for consulting services will be billed based on the time expended at the agreed-upon hourly rate for the services rendered.

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.
- Pershing LLC

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: $4,067,994,442
- Discretionary: $2,477,216,370
- Non-discretionary: $1,590,778,072

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 16,296 | $3,004,032,543 |
| High net worth individuals | 511 | $993,464,841 |
| 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) | 143 | $37,412,319 |
| Charitable organizations | 31 | $8,997,584 |
| 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 | 51 | $24,087,155 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 1991 (34 years)
- Employees: 478 total, 375 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
- Disclosures (Item 11): Reports 6 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 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?
- 11.D(5): Has another federal regulator, a state regulator, or a foreign financial regulator ever denied, suspended, or revoked the registration or license of the firm or an advisory affiliate, prevented either by order from associating with an investment-related business, or restricted either one's activity?
- 11.E(2): Has a self-regulatory organization or a commodities exchange ever found that the firm or an advisory affiliate was involved in a violation of its rules, other than a minor rule violation under a plan the SEC approved?
- 11.H(1)(c): Has a domestic or foreign court ever dismissed, under a settlement agreement, an investment-related civil action brought against the firm or an advisory affiliate by a state or foreign financial regulator?
- 11.H(2): Is the firm or an advisory affiliate now the subject of a civil proceeding that could result in a yes answer to any part of 11.H(1)?

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 SEC record: https://adviserinfo.sec.gov/firm/summary/12963

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Batesville, IN
- Bellefontaine, OH
- Boston, MA
- Brea, CA
- Conway, AR
- Corpus Christi, TX
- Denver, CO
- Fort Worth, TX
- Indianapolis, IN
- Libertyville, IL
- Louisville, KY
- Marietta, GA
- Middleville, MI
- Orangeburg, NY
- Perrysburg, OH
- Placentia, CA
- Pleasant View, TN
- Saint Peters, MO
- Sarasota, FL
- Sidney, OH
- Springfield, IL
- Troy, MI
- Washington, MO
- Westfield, MA
- Winter Park, FL

### Websites listed on Form ADV (Item 1.I)
- [moneyconcepts.com](https://moneyconcepts.com)
- Facebook @MONEYCONCEPTS
- LinkedIn @MONEY-CONCEPTS
- X @MONEYCONCEPTS

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $3,306,729,257 | 533 | July 19, 2021 |
| October 2022 | $3,119,765,400 | 519 | August 18, 2022 |
| October 2023 | $2,644,047,829 | 429 | September 22, 2023 |
| October 2024 | $2,904,017,021 | 407 | July 1, 2024 |
| October 2025 | $3,328,625,395 | 431 | March 20, 2025 |
| October 2026 | $4,067,994,442 | 478 | March 24, 2026 |

Regulatory assets under management: $3,306,729,257 in the October 2021 data and $4,067,994,442 in the October 2026 data, up 23%.
Total employees: 533 in October 2021 and 478 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 431 to 375.
- Regulatory assets under management went from $3,328,625,395 to $4,067,994,442 (+22%).
- Added an office in Batesville, IN.
- Added an office in Boston, MA.
- Added an office in Brea, CA.
- Added an office in Conway, AR.
- Added an office in Fort Worth, TX.
- Added an office in Indianapolis, IN.
- Added an office in Middleville, MI.
- Added an office in Orangeburg, NY.
- Added an office in Perrysburg, OH.
- Added an office in Pleasant View, TN.
- Added an office in Sarasota, FL.
- Added an office in Troy, MI.
- Added an office in Westfield, MA.
- No longer lists an office in Cleveland, TN.
- No longer lists an office in Farmington, MO.
- No longer lists an office in Fullerton, CA.
- No longer lists an office in Hurricane, WV.
- No longer lists an office in Loveland, CO.
- No longer lists an office in Miami, FL.
- No longer lists an office in New City, NY.
- No longer lists an office in Portsmouth, OH.
- No longer lists an office in Prairie Village, KS.
- No longer lists an office in Saint Petersburg, FL.
- No longer lists an office in Sioux Center, IA.
- No longer lists an office in Vandalia, OH.
- No longer lists an office in Wethersfield, CT.
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Money Concepts Advisory Service (CRD 12963): Form ADV filing data as of October 2026.