Your financial journey is unique—
your wealth management should be too.
At Concurrent Wealth Management, we believe your financial strategy should reflect your unique life and aspirations—not just your portfolio size. That’s why we offer transparent flat-fee pricing and a full suite of services tailored to help you achieve your goals.
From life-centered planning to advanced investment, retirement, and tax strategies, our personalized advice and collaborative approach are designed to simplify complexity and empower you to live life on your terms.
Invest in your Life Money Balance
Explore Wealth Plans That Empower Your Lifestyle
Your LMB Advice Journey: What to expect
Experience a straightforward, client-first approach to your comprehensive financial planning process:
1.
Connect
Complimentary. See if your financial advice needs align with our services.
2.
Clarify
Understand your story, values, financial priorities and life aspirations.
3.
Mindset
Explore your relationship with money—past, present and future.
4.
Strategize
Build a customized wealth plan to match your vision. Clear strategies.
5.
Act
Collaboratively implement your plan with expert guidance.
6.
Evaluate
Monitor your progress and adjust as life changes.
7.
First year
In-depth, modular approach to address all areas of your comprehensive financial plan.
8.
After years
Seasonal meetings keeps your financial plan dynamic and adaptable through focused.
This check-in meeting incorporates special focus areas like student loans, stock options, restricted units, and life transitions.
Your primary annual meeting to review and revise major financial planning areas and life-stage changes. We address next-year tax projections, initiate year-end tax planning, and review spending trends, savings progress, investment strategy, asset allocation, and benefits open enrollment.
A strategic planning session to refine and adjust your plan for the upcoming year. We review progress, set actionable tasks, and ensure your plan and allocations remain aligned with your current and future goals.
Let’s create harmony between your life and money—
every step of the way.
LMB Wealth Planning Areas
Bring confidence and clarity to your finances. Get comprehensive financial planning in these areas that brings you financial harmony.
Life Planning
Discover what truly matters to you and align your financial decisions with your ideal life. Our process prioritizes your values and goals, providing clarity and direction for every financial choice.
- Explore your personal history with money
- Facilitate meaningful conversations to define your values and life vision
- Identify and address roadblocks standing in your HelpsHelp you focus on your priorities, allowing financial decisions to follow naturally
Cash Flow Optimization
Gain control of your spending and savings with a simplified and effective cash flow strategy.
- Evaluate your current spending habits
- Establish the right amount for cash reserves and liquidity
- Project and plan for consistent annual savings
- Automate savings and streamline your banking structure
Employee Benefit Maximization
Make the most of your employer-provided benefits to optimize your financial plan.
- Analyze open enrollment options and benefit selections
- Evaluate high-deductible health plans and Health Savings Account opportunities
- Review health, disability, and life insurance options
- Guide business owners on aligning employee benefit goals
Proactive Tax Planning
Minimize tax burdens and avoid surprises with a forward-thinking approach to your tax strategy.
- Review tax returns and collaborate with your CPA
- Conduct tax projections and manage estimated tax payments
- Develop a tax withholding plan based on your income sources
- Identify strategies to reduce tax and prevent unexpected liabilities
Equity Compensation Guidance
Simplify the complexities of your equity compensation and plan strategically for the future.
- Break down stock options, RSUs, ISOs, ESPPs, and more
- Navigate tax implications of stock exercises and sales
- Establish goals for long-term company stock holdings
- Model stock valuations against your broader financial objectives
Estate and Risk Management
Ensure your legacy is secure and your risks are well-managed with thoughtful planning.
- Assess life, disability, and property insurance needs for potential gaps
- Educate and review existing estate plans and documentation
- Facilitate discussions on guardianship, trusts, and estate taxes
- Collaborate with legal and insurance professionals for implementation
Retirement Vision Planning
Create a clear roadmap for your financial future and achieve your definition of “enough.”
- Provide detailed projections of your long-term financial outlook
- Discuss how income and expenses influence your retirement goals
- Model “what-if” scenarios to uncover opportunities and evaluate trade-offs
- Build confidence in your retirement readiness
Education Funding Strategies
Plan for your children’s education while staying on track with your financial goals.
- Define funding targets based on your family’s education priorities
- Recommend the best strategies (529 plans, investment accounts, or cash flow funding)
- Automate contributions and implement investment plans
- Help facilitate conversations with your children about college funding expectations
Business Wealth Management
Ensure your business supports your personal and financial goals with a tailored strategy.
- Analyze cash flow trends to ensure stability
- Establish optimal reserves and liquidity for business operations
- Determine the most tax-efficient business structure
- Evaluate self-employed retirement plan options to defer taxes
- Align personal income needs with business goals
Investment Management
Simplify and optimize your portfolio with a focused and tax-efficient investment strategy.
- Provide education on investment principles and strategies
- Develop plans for short-, medium-, and long-term financial goals
- Construct low-cost, diversified, tax-efficient portfolios
- Monitor, adjust, and rebalance your investments over time
- Consolidate accounts for a streamlined approach
Advanced Asset Protection Strategy
Safeguard your wealth with solutions designed to mitigate risk and secure your assets.
- Identify strategies to protect personal and business assets from liability
- Implement trust structures and advanced estate planning tools
- Explore insurance and legal options for maximum protection
- Collaborate with legal and tax professionals for a holistic approach
Business Retirement Plan Consulting
Optimize your company’s retirement plan to benefit you and your employees.
- Design and implement self-employed or small business retirement plans
- Evaluate 401(k), SEP, and SIMPLE IRA options for maximum tax efficiency
- Create investment strategies for plan participants
- Ensure compliance with regulatory standards and guidelines
Institutional Investment Management
Deliver disciplined, tailored investment solutions for organizations.
- Develop custom portfolio strategies for institutions
- Prioritize low-cost, tax-efficient investment structures
- Monitor, adjust, and report portfolio performance
- Align investments with the institution’s mission and objectives
Modern Family Office Services
Simplify the complexities of managing generational wealth with personalized family office services.
- Centralize financial, investment, and administrative management
- Coordinate estate, tax, and philanthropic planning across generations
- Provide concierge-level financial services for family members
- Facilitate multi-generational wealth education and stewardship
Have any questions?
LMB Wealth Advice Services & Pricing
We provide comprehensive wealth management services with straightforward, flat-fee pricing.
This means our financial guidance is tied to the quality of financial advice and the strength of our collaboration—not the size of your investment portfolio. Choose the wealth plan that empowers you to confidently secure your financial future and live the life you envision.
How Does the Traditional AUM Fee Compare to Our LMB Flat Fee Pricing?
When considering the value of your ideal financial advice experience, you deserve wealth advisors who prioritize your entire financial picture—not just the size of your investment portfolio.
Traditional assets under management (AUM) fee structures link your cost directly to the dollar amount of your portfolio, often focusing advice heavily on investments. Even when the advice is more comprehensive, the fee remains tied to your portfolio size.
Frequently Asked Questions
We help affluent late-stage Millennials, Gen X, pre-retiree, or retirement households. Our financial planning and investment management are designed to serve best:
“6 to 7“ Households with high six-figure incomes earning $250,000+ building wealth towards a seven-figure net worth. HENRYs—High-income-not-rich-yet.
“6 and 7” Households with high six-figure incomes earning $250,000+ and holding a seven-figure net worth.
“7 and 7” Households that have seven-figure earnings and net worth. (or eight-figures plus)
Yes. We find that affluent late-stage Millennials, Gen X, pre-retirees, and retirees who value collaborating with a financial advisor for financial planning services that provide financial advice that looks at your whole picture benefit the most from partnering with us.
Yes. All financial advice and services you receive from Concurrent will always have your best interest first. Our goal is to help you achieve your goals.
We offer transparent fees for financial advice. We offer comprehensive financial planning, risk management insurance solutions, and investment management. You can select one or a combination of services that fits your best interests.
We can immediately serve you in any State in the United States. We are registered in Texas, Wisconsin, and North Carolina, with South Carolina pending. We have clients outside these states and remain compliant.
If required, we can file State registration simultaneously while we serve you. Please get in touch with us for international services.
Yes. To ensure that we deliver top-notch client service, we ask that you transfer your investment accounts to our firm. Here are the reasons why.
Your wealth management advice fee is flat-fee, which means your fee is not tied to the dollar size of your portfolio. Your advice fee is value-based regarding the wealth management service depth, breadth, and advisor relationship you receive. You have the option to add an investment management service fee.
Organizing your investments in one place helps you improve your investment organization and reduce anxiety from disjointed accounts.
We deliver better administrative capability, advisor service quality, and investment management efficiency through our ultra-modern, easy-access, tech-savvy custodian Altruist. This investment platform makes monitoring everything in one place easy!
We also offer custodian services with Charles Schwab Advisor Services.
