Money Concepts International

What Money Concepts International does

Money Concepts International, Inc. is a privately held, family-owned independent broker-dealer and registered investment advisor network founded in 1979 by John P. Walsh and headquartered in Palm Beach Gardens, Florida. The firm operates through two core regulated entities: Money Concepts Capital Corp., a FINRA- and SIPC-member broker-dealer, and Money Concepts Advisory Service, an SEC-registered investment advisor. It serves independent financial advisors, tax professionals, and financial institutions (banks and credit unions, a channel the firm has cultivated since 1984), providing them with a turnkey platform to offer holistic financial planning and wealth management to end clients.

The company's product architecture is built around EPIC (E Processing Information Center), a custom Salesforce-based CRM and practice management platform that connects account opening, client services, prospecting, compliance, and live business reporting through a single sign-on dashboard. Adjacent offerings include the Guided Portfolio Solutions (GPS) advisory platform with access to over 15 boutique third-party managers, the Money Concepts Advanced Planning (MCAP) specialist network, MC Learning and the Weylman Center for Excellence training platforms, automated digital marketing, custom advisor websites with CRM-integrated lead capture, paperless account opening via DocuSign, and consolidated wealth management data aggregation. Clearing and custody are provided by BNY Mellon Pershing, and strategic technology support is supplied by Broadridge, creating a layered ecosystem anchored on non-proprietary, open-architecture product choice spanning 10,000+ mutual fund and variable annuity options.

The firm earns revenue through three primary streams: recurring advisory fees on assets under management (typically 0.60%-2.0%), transaction-based commissions on brokerage activity (typically 1.0%-6.0% depending on product), and product sponsorship compensation including sales-event sponsorship, marketing support, and persistency bonuses. Advisors also pay an annual technology fee of approximately $2,000. The go-to-motion is enterprise field sales to recruit independent advisors supported by a 90-day structured transition process, complemented by channel partnerships with financial institutions and tax professionals. At 501-1000 employees and with 40% of advisors reportedly retained for over 20 years, Money Concepts is a mature, mid-sized platform whose economic engine is the long-tail productivity of affiliated advisors rather than any single enterprise client.

Name

Money Concepts International

Legal name

Money Concepts International, Inc.

Website

https://moneyconcepts.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Money Concepts International is a privately held, family-owned independent broker-dealer and RIA network founded in 1979, providing independent financial advisors, tax professionals, and financial institutions with a Salesforce-based practice management platform, open-architecture product access, and back-office support.

Ownership category

akta.pro rank

Product category

Independent Broker-Dealer and RIA Services

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282)

akta.pro primary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

akta.pro secondary industry

Managed Account Platforms (Separately Managed Accounts / Customized Portfolios) (FSAHAKAC)

Keywords

• Independent broker-dealer
• Financial planning platform
• Wealth management services
• Investment advisory services
• Advisor practice management

Headquarters

HQ city

Palm Beach Gardens

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Advisory Fees: Advisory fees generally range from 0.60% to 2.0% of assets under management. The firm offers advisory fee flexibility allowing advisors to choose fee-only, commissions, or combination structures.
2. Commissions: Commissions on transactions vary generally ranging from 1.0% to 6.0% of amount invested. MCC pays each Financial Professional an assigned payout rate based on branch office, total production level, and product type.
3. Additional/Sponsorship Compensation: Additional compensation from Product Sponsors including sponsorship fees for sales events, marketing and sales support compensation, reimbursement of expenses, and persistency bonuses for maintaining in-force business.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels10 records

Core offering

Money Concepts International operates as an independent broker-dealer (Money Concepts Capital Corp, FINRA/SIPC member) and Registered Investment Advisor (Money Concepts Advisory Service), providing independent financial advisors, tax professionals, and financial institutions with a turnkey platform for offering holistic financial planning and wealth management solutions. The firm delivers back-office support, technology, compliance, marketing, training, and access to over 10,000 non-proprietary investment products through its EPIC Salesforce-based practice management system.

Product overview

Money Concepts International is a financial planning and wealth management platform operating as a broker-dealer (Money Concepts Capital Corp, FINRA/SIPC member) and RIA (Money Concepts Advisory Services, SEC-registered). The company provides a platform-plus-modules architecture centered on EPIC, a custom Salesforce CRM, combined with the Guided Portfolio Solutions (GPS) advisory platform offering 15+ boutique managers. Add-on modules span marketing tools (customized websites, automated digital marketing, social media support), training (MC Learning, Weylman Center of Excellence), advanced planning (MCAP unit), and practice management tools. The ecosystem is anchored by clearing partner BNY Mellon Pershing and leverages DocuSign for e-signatures, creating a unified advisor practice management solution.

Differentiator

Problem solved

Functional benefit

Products and services

• EPIC (E Processing Information Center) A custom Salesforce-based CRM and practice management platform that serves as the central hub connecting all business functions including account opening, client services, prospecting, and client experience tracking with live key business indicators. Targeted at independent financial advisors affiliated with Money Concepts.
• Guided Portfolio Solutions (GPS) Signature advisory platform offering access to over 15 boutique managers for managed accounts, including model-based third-party managers and advisor-directed or separately managed account options. For independent financial advisors.
• Money Concepts Advisory Services The RIA (Registered Investment Advisor) arm providing advisory services with an open architecture platform, various investment options, and fee flexibility. Advisory fees generally range from 0.60% to 2.0% of assets under management.
• Money Concepts Advanced Planning (MCAP) Exclusive planning resource providing advisors access to seasoned professionals across tax, legal, estate, retirement, and business planning through a 5-step collaborative process. For financial advisors and their high-net-worth clients.
• MC Learning Online education and training platform offering courses 24/7 covering topics including sales process, social media marketing, fee-based planning, and behavioral finance. For financial professionals at all levels.
• Weylman Center for Excellence Partnered online education platform providing resources, execution tools, and prospect links for financial professionals at every level of production.
• Customized Website Builder Modern website built for lead generation and credibility, with website creation, maintenance, SEO, pre-populated personalization, CRM integration, and lead capturing features. For financial advisors seeking online presence.
• Automated Digital Marketing Platform Turnkey digital marketing platform providing industry-leading content sharable via emails, social media platforms, and newsletters. For financial advisors.

Quantifiable outcome

• 40% of advisors have stayed with Money Concepts for over 20 years, demonstrating high retention and satisfaction
• +1 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• BroadridgecoreTechnology or IntegrationBroadridge is listed as a trusted strategic partner providing technology solutions that equip Money Concepts with resources needed to help enhance advisor practices and better serve clients.
• BNY Mellon PershingcoreTechnology or IntegrationPershing serves as Money Concepts' clearing firm, routing 100% of retail non-directed orders for execution. Pershing provides custody, settlement, and business continuity support including objective to restore operations within 4 hours of disruption.
• SalesforcecoreTechnology or IntegrationSalesforce serves as the platform for Money Concepts' custom EPIC (E Processing Information Center) CRM solution, providing a fully customized system to enhance advisor impact and streamline practice management.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Osaic (formerly Advisor Group): Large private equity-backed independent broker-dealer network (previously Advisor Group) supporting thousands of independent advisors across multiple subsidiary brands. Comparable BD/IA platform at much greater scale.
• LPL Financial: Largest independent broker-dealer in the US, publicly traded, serving financial advisors with a wide range of advisory and brokerage products. Directly comparable business model (independent advisor platform) at much greater scale.
• Cetera Financial Group: Large independent broker-dealer group serving independent advisors through multiple brand channels (Cetera, Cetera Advisor Networks, etc.). Comparable independent-advisor platform with open product architecture.
• Ameriprise Financial: Large diversified wealth and asset management firm with an independent advisor channel. Comparable target customer (mass-affluent client) and overlapping product set.
• Raymond James Financial Services: Diversified financial services firm with a significant independent-advisor channel. Comparable in product offering (brokerage, advisory, retirement, insurance) but operates at substantially greater scale.

Direct peers

• SagePoint Financial: Mid-sized independent broker-dealer serving financial advisors with open-architecture investment and insurance products. Comparable size tier and advisor-focused business model.
• Kestra Financial: Independent broker-dealer backed by Stone Point Capital, serving independent advisors with open-architecture products. Similar advisor-platform business model with private equity ownership context.
• Commonwealth Financial Network: Privately held independent broker-dealer and RIA serving independent financial advisors with comprehensive practice-management support. Closely comparable privately owned mid-large independent BD/IA platform.
• Cambridge Investment Research: Privately held independent broker-dealer and RIA support platform serving independent financial advisors with open-architecture product access, similar in size, ownership structure, and target market to Money Concepts.

Emerging players

• CUSO Financial Services: Credit-union-focused broker-dealer and RIA providing investment and insurance programs to credit unions. Directly comparable on the bank/credit-union Financial Institution Platform channel that Money Concepts operates since 1984.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/moneyconcepts
• LinkedInlinkedin.com/company/money-concepts
• Xx.com/moneyconcepts

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Money Concepts International