Financial Concepts Unlimited, Inc. is a registered investment advisory firm based in Centreville, Maryland, providing personalized investment management and financial planning services. The firm builds customized portfolios using exchange-traded funds, mutual funds, individual stocks, and bonds based on proprietary model portfolios tailored to each client's risk tolerance and financial goals. In addition to managing traditional investment accounts, Financial Concepts Unlimited offers variable annuity sub-account management, financial and estate planning, and ongoing portfolio consulting. The advisory team works with individuals, high-net-worth clients, trusts, businesses, and pension plans. Investment decisions are made on a discretionary basis, meaning the team handles day-to-day trading without requiring prior approval for every transaction, while operating under a legal obligation to act in your best interest.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 2.00% |
| $500K - $1.0M | 1.75% |
| $1.0M - $2.0M | 1.50% |
| $2M+ | 1.50% |
Fees are negotiable based on account size, complexity, prior relationships, and related holdings. Variable annuity sub-account management is charged at a flat rate of 1.25% annually.