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RIA / WealthRegistered adviserindependent wealth managerSEC registeredRAUM 100m 1b

CONCEPTUAL FINANCIAL ADVISORS, LLC

CRD 167513

APPLETON, WI

This is the graph view. The full profile, with its team, deals and sources, is on RIA / Wealth Management.Open the full profile →

Search this name across graphsid dfx:ria:623a98b6-a357-b36d-62d6-e0b1e3813834

Data as of Jan 15, 2026 (this record's last observation) from federal regulator filings. Page built Sep 19, 2026, 12:55 AM UTC and rebuilt at most every 15 minutes.

Relationships: 5
Dated events: 3
On other graphs: 0
Observed: Feb 10, 2022 to Jan 15, 2026
11 observations

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Firm class: independent wealth managerderivedprivate_client_share=0.87 fund_share=0.0 institutional_share=0.07 related_bd=false related_bank=false bd_reps=1.0
Regulatory AUM: $190MItem 5.F on the latest filing (2026-01-15); as reported, and an affiliate's assets may be counted again on its own filing
Discretionary RAUM: $143M
Private client RAUM: $165MderivedItem 5.D individuals plus high net worth individuals
Private client share: 87%derivedprivate client RAUM over total RAUM
Advisors on IAPD: 1
RAUM per advisor: $190Mderivedthe firm's RAUM over its IAPD headcount: a firm average, never a person's book
Employees: 4
Advisory employees: 1
Offices: 0Schedule D 1.F, beyond the principal office
Accounts: 778
Individual clients: 347
High net worth clients: 72
Custody, client assets: $190M
SEC number: 801-123428
CRD: 167513
Filings on the tape: 11
First filed: Feb 10, 2022
Latest filed: Jan 15, 2026
Organised: Limited Liability Company, WI
Website: ontrackadvisor.com

Advisors on IAPD

current investment adviser representatives on the IAPD individual feed, longest tenure first

Advisor	Designations	Branch	Years here	In industry	Prior firms	Dual registered
CHAD LEE NEHRING	Certified Financial Planner	APPLETON, WI	13	25	2	yes

Owners and control persons

Schedule A and B as filed; ownership codes are the form's bands (NA under 5%, A 5 to 10%, B 10 to 25%, C 25 to 50%, D 50 to 75%, E over 75%); people are listed as filed and never merged by name

Owner	Title	Ownership code	Control person	Acquired	First seen	Last seen
NEHRING, CHAD, LEE	MEMBER AND CHIEF COMPLIANCE OFFICER	E	yes	05/2011	Feb 10, 2022	Apr 15, 2024

Affiliates (Item 7.A)

as filed on Item 7.A; a related person with a CRD on the graph links to its own page

Related person	Type	Class on the graph	Its RAUM	Control	Common control	State
CONCEPTUAL FINANCIAL PLANNING, INC	n/a	n/a	n/a	Y	yes	n/a

Offices

Schedule D 1.F offices beyond the principal office; street addresses are not published

City	State	Country	Employees	Also broker-dealer
Greenbay	Wi	United States	2	no
ST. AUGUSTINE	FL	United States	1	no

Regulatory AUM by fiscal year

annual amendments (and the roster's annual snapshot) as filed; where a year was amended twice the later filing draws the line

Fiscal year	Filed	RAUM	Discretionary	Employees	Advisory staff	Offices	Private funds	Fund GAV
2025	Jan 15, 2026	$190M	$143M	4	1	0	n/a	n/a
2024	Jan 13, 2025	$164M	$122M	5	3	2	n/a	n/a
2023	Jan 11, 2024	$138M	$107M	5	3	1	n/a	n/a
2022	Jan 17, 2023	$117M	$93.2M	3	3	1	n/a	n/a

Advisor flows

derived: registrations beginning and ending at this CRD on IAPD, bulk corporate re-registrations excluded; the rate is departures over IAPD headcount

Joined, 12m	Left, 12m	Net, 12m	Departure rate, 12m	Joined, 90d	Left, 90d	Left, no destination yet	Joined, 36m	Left, 36m
0	0	0	0.0%	0	0	0	0	0

Growth

derived from consecutive annual filings; RAUM as reported

Latest fiscal year	RAUM	A year earlier	1y change	Three years earlier	3y CAGR	Employees	A year earlier	Offices	A year earlier
2025	$190M	$164M	16.1%	$117M	17.4%	4	5	0	2

Teams in

teams that arrived here from one firm together

Other firm	Advisors	First left	Last joined	From	Kind	Move type	Share of firm
KEY FINANCIAL GROUP OF JACKSONVILLE, INC.	2	Dec 31, 2021	Jan 3, 2023	JACKSONVILLE, FL	Team lift out	Other	100.0%

Relationships

Registered with (4)

← CHAD LEE NEHRINGAdvisorregistration: current employment
May 23, 2013 to presentfactForm ADV
← ADAM DAVID GAFNERAdvisorregistration: previous registration
Jan 3, 2023 to Jan 14, 2026factForm ADV
← GARY T BREWTONAdvisorregistration: previous registration
Jan 3, 2023 to Jan 14, 2026factForm ADV
← ROBERT DWANE PENCILAdvisorregistration: previous registration
Jul 20, 2015 to Aug 3, 2017factForm ADV

Controls (1)

← NEHRING, CHAD, LEEOwnerMEMBER AND CHIEF COMPLIANCE OFFICER, ownership code E, individual
Feb 10, 2022 to Apr 15, 2024factForm ADV

Dated events

Occurred
Jan 14, 2026
Advisor departed, no destination yet
Gary T Brewton no longer registered at Conceptual Financial Advisors, Llc; no later IA registration on IAPD
Form ADVobserved 3 days ago
Occurred
Jan 14, 2026
Advisor departed, no destination yet
Adam David Gafner no longer registered at Conceptual Financial Advisors, Llc; no later IA registration on IAPD
Form ADVobserved 3 days ago
Occurred
Feb 10, 2022
First Form ADV filing
Conceptual Financial Advisors, Llc filed its initial SEC registration (Form ADV)
Form ADVobserved 3 days ago

Provenance

Graph: RIA / Wealth Management
Canonical id: dfx:ria:623a98b6-a357-b36d-62d6-e0b1e3813834
First observed: Feb 10, 2022
Last observed: Jan 15, 2026 8 months ago
Source families: Federal regulator filings
3 registered feeds stand behind this record; each fact above carries its own dates and, where the publisher serves one, its document.
Resolution: Identity across graphs by shared identifier (CRD, CIK, EIN, ADV fund id, individual CRD) or citation; a name match is shown as a candidate and never merged.

CONCEPTUAL FINANCIAL ADVISORS, LLC

CRD 167513

APPLETON, WI

This is the graph view. The full profile, with its team, deals and sources, is on RIA / Wealth Management.Open the full profile →

Search this name across graphsid dfx:ria:623a98b6-a357-b36d-62d6-e0b1e3813834

Data as of Jan 15, 2026 (this record's last observation) from federal regulator filings. Page built Sep 19, 2026, 12:55 AM UTC and rebuilt at most every 15 minutes.

Advisor

Designations

Branch

Years here

In industry

Prior firms

Dual registered

CHAD LEE NEHRING

Certified Financial Planner

APPLETON, WI

yes

Owner

Title

Ownership code

Control person

Acquired

First seen

Last seen

NEHRING, CHAD, LEE

MEMBER AND CHIEF COMPLIANCE OFFICER

yes

05/2011

Feb 10, 2022

Apr 15, 2024

Related person

Type

Class on the graph

Its RAUM

Control

Common control

State

CONCEPTUAL FINANCIAL PLANNING, INC

n/a

yes

n/a

City

State

Country

Employees

Also broker-dealer

Greenbay

United States

ST. AUGUSTINE

United States

Fiscal year

Filed

RAUM

Discretionary

Employees

Advisory staff

Offices

Private funds

Fund GAV

2025

Jan 15, 2026

$190M

$143M

n/a

2024

Jan 13, 2025

$164M

$122M

n/a

2023

Jan 11, 2024

$138M

$107M

n/a

2022

Jan 17, 2023

$117M

$93.2M

n/a

Joined, 12m

Left, 12m

Net, 12m

Departure rate, 12m

Joined, 90d

Left, 90d

Left, no destination yet

Joined, 36m

Left, 36m

0.0%

Latest fiscal year

RAUM

A year earlier

1y change

Three years earlier

3y CAGR

Employees

A year earlier

Offices

A year earlier

2025

$190M

$164M

16.1%

$117M

17.4%

Other firm

Advisors

First left

Last joined

From

Kind

Move type

Share of firm

KEY FINANCIAL GROUP OF JACKSONVILLE, INC.

Dec 31, 2021

Jan 3, 2023

JACKSONVILLE, FL

Team lift out

Other

100.0%