Conceptual was formed in 1984 with Charles (Chuck) Kranzusch merging his practice with that of his father’s H. William (Bill) Kranzusch. The firm provided comprehensive financial planning services under their Registered Investment Advisory, Conceptual Investment Advisors, Inc. (now Conceptual Financial Advisors, LLC) with investments being made through Conceptual Financial Planning, Inc. and Chuck’s broker/dealer affiliations. Kathy Feistel became the firm’s first associate advisor in 1991 and worked with us until her retirement in 2004. Chad Nehring joined the firm as an advisor assistant in 2002, and became an associate advisor on Kathy’s retirement.
In 2005 Conceptual made a major enhancement to their services and began providing fee-only portfolio management through Wrap fee programs utilizing institutional class mutual funds, index funds and ETF’s, as well as enhancing their qualified plan (401k) consulting services. In 2009 Chad became an equity shareholder in the practice. In 2011, Conceptual launched our MyFirstFinancialPlanner.com website and services, designed to serve a younger demographic with their initial financial planning needs.
In August, 2013 multiple late-night tornadoes struck the Appleton area, causing damage just to the north and south of our offices. Power was lost for nearly one week, and the firm operated from advisors homes and in the office on generator power. Motivated by this, in 2014 the firm started an initiative to bring all of their paper records into electronic format, allowing their advisors and staff secure, encrypted access from any location. These efforts continued into 2015 with the addition of electronic risk analysis and, through our vendor partners, movement of many of our major systems to a fully cloud-based, encrypted format.
In August of 2016, Chad Nehring became the sole owner of both Conceptual Financial Planning, Inc and Conceptual Financial Advisors, LLC with Chuck Kranzusch remaining with the firm as a consultant and advisor with our RIA, Conceptual Financial Advisors, LLC. Conceptual Financial Planning, Inc. at that time also associated with a new broker/dealer for their commission-based business, Fortune Financial Services, Inc. from Monaca, PA. (Conceptual and Fortune Financial Services, Inc. are separate entities).
We are continuing our efforts to bring the latest capabilities in the financial planning environment to the families and businesses we serve.
We are based in Appleton, WI and typically work with families and businesses in a radius that encompasses the Fox River Valley including Appleton, Green Bay, Oshkosh, Neenah, Menasha, Kaukauna, Kimberly, Little Chute, Combined Locks, Freedom, Wrightstown and DePere.