Strategic Financial Concepts, LLC offers personalized investment management and financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. Founded in 2006 and based in San Antonio, Texas, the firm helps clients manage their financial resources through customized strategies. Strategic Financial Concepts provides financial planning covering retirement, education, taxes, asset allocation, risk management, cash flow, estate planning, and business planning. For investment management, Strategic Financial Concepts builds tailored portfolios using mutual funds, individual stocks and bonds, exchange-traded funds, and options, or recommends third-party money managers. The firm also offers access to various LPL Financial sponsored advisory programs. Strategic Financial Concepts generally manages accounts on a discretionary basis, meaning the firm makes day-to-day investment decisions on the client's behalf based on their agreed-upon goals and risk tolerance. Clients can also receive targeted hourly or fixed-fee consulting on specific financial topics. Some representatives of Strategic Financial Concepts are also registered representatives of LPL Financial or licensed insurance agents, allowing them to offer securities and insurance products outside of the advisory practice.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 2.50% |
| $500K - $1.0M | 2.00% |
| $1M+ | 1.50% |
Fees are negotiable based on individual client circumstances and the scope of the relationship. LPL sponsored advisory program fees have separate maximums up to 2.50% or 3.00%.