Money Concepts Advisory Service

Registered investment adviser · Palm Beach Gardens, FL · CRD #12963

Form ADV data as of 2026-09-01

Regulatory assets

$4.07 billion

Total accounts

17,032

Employees

478

Disclosure events

Firm details

Website: http://www.moneyconcepts.com/
Telephone: 561-472-2000
SEC file number: 801-39736
Most recent Form ADV filing: 2026-03-24
SEC record: View this firm on the SEC's IAPD site

Disciplinary disclosures

This firm reports 6 disclosure questions answered Yes, covering 29 reported events. Form ADV Item 11 covers charges and pending proceedings as well as findings, so a Yes answer is not itself a finding of wrongdoing. The underlying detail is filed with the SEC.

Another regulator found a violation of investment-related regulations or statutes
Another regulator entered an order in connection with investment-related activity (past 10 years)
Another regulator denied, suspended, or revoked a registration or restricted activity
A self-regulatory organization found a violation of its rules
A court dismissed an investment-related civil action under a settlement agreement
Currently subject to a civil proceeding that could result in a disclosure under 11.H.(1)

Assets and accounts

Provides continuous and regular supervisory or management services	Yes
Discretionary regulatory assets under management	$2.48 billion
Non-discretionary regulatory assets under management	$1.59 billion
Total regulatory assets under management	$4.07 billion
Discretionary accounts	11,750
Non-discretionary accounts	5,282
Total accounts	17,032
Regulatory assets under management attributable to non-U.S. persons	$2.4 million

People

Total employees (excluding clerical)	478
Employees performing investment advisory functions (including research)	375
Employees who are registered representatives of a broker-dealer	456
Employees registered as investment adviser representatives with a state	23
Employees registered as IARs for another investment adviser	11
Employees who are licensed insurance agents	456
Firms or persons who solicit advisory clients on the firm's behalf	0

Custody

Has custody of client cash or bank accounts	Yes
Has custody of client securities	Yes
Client funds and securities held in the firm's custody	$2.20 billion
Clients for whom the firm has custody	10,040
A related person has custody of client cash or bank accounts	No
A related person has custody of client securities	No
The firm acts as a qualified custodian	No
A related person acts as a qualified custodian	No
Number of persons acting as qualified custodians for the firm's clients	2

How the firm is compensated

A percentage of assets under managementHourly chargesFixed fees (other than subscription fees)Other

Advisory services offered

Financial planning servicesPortfolio management for individuals and/or small businessesPortfolio management for businesses or institutional clientsOther

Other business activities

Broker-dealer (registered or unregistered)

Affiliated related persons

Broker-dealer, municipal securities dealer, or government securities broker or dealerOther investment adviser (including financial planners)Insurance company or agency

Reported conflicts of interest

Form ADV Items 8 asks advisers to disclose arrangements that may create a conflict with client interests. This firm answered Yes to:

Recommends brokers or dealers to clients
Brokers or dealers recommended under 8.E. are related persons
Compensates a non-employee for client referrals

Client types

Type of client	Clients	Assets
Individuals (other than high net worth individuals)	16,296	$3.00 billion
High net worth individuals	511	$993.5 million
Pension and profit sharing plans (not the participants or government plans)	143	$37.4 million
Charitable organizations	31	$9.0 million
Corporations or other businesses not listed above	51	$24.1 million