What Concentrum Wealth Management does

Concentrum Wealth Management is a privately held Registered Investment Adviser founded in 2013 by Jeffery E. Fong and Jay C. Fong, headquartered at 353 Piercy Road, San Jose, California. The firm delivers comprehensive financial planning across three pillars: Wealth Management, Retirement Planning, and Legacy & Estate Planning, with a specialized Family Law Planning offering led by a CDFA-credentialed advisor (Lance Pieper). Its target segments are high-net-worth individuals and families, corporate executives with complex equity compensation, and business owners in Silicon Valley and the Greater Phoenix area following the 2025 opening of a Scottsdale office.

The firm's core technology stack is non-proprietary. Client accounts are custodied at Schwab and Fidelity with access through Schwab Alliance and Fidelity login portals, while reporting is delivered via BDReporting. No proprietary software, mobile app, API, or AI capabilities were disclosed; the firm's only internally developed tooling is the Personal Financial Organizer, a process-based tracking system that accompanies each client's financial plan. Digital offerings are limited to public-facing educational calculators (RMD Projection and Loan Amortization) that double as SEO assets.

Concentrum operates a consultative, relationship-driven go-to-market. Revenue is generated through advisory fees typical of an RIA (likely AUM-based, with flat or hourly planning fees possible), priced via quote after an initial fit consultation rather than via published rates. Distribution is direct: face-to-face and virtual advisory engagement from the two offices, supported by content marketing (blog dating to at least 2020), organic social (Facebook, Twitter/X, LinkedIn), and community involvement (American Cancer Society Relay For Life, City Year). The firm has no external funding, no disclosed revenue, and operates with a small team of seven named members, positioning it as a boutique practice rather than a scaling platform.

Name

Concentrum Wealth Management

Legal name

Concentrum Wealth Management

Website

https://concentrumwealth.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Concentrum Wealth Management is a boutique Registered Investment Adviser in San Jose, California serving high-net-worth individuals, families, corporate executives, and business owners through holistic financial planning, retirement, and legacy/estate services, with a newer Scottsdale, Arizona office.

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Business Owner & Executive Financial Planning (FSAEAAAO), Estate & Legacy Planning Advisory (FSAEAAAG), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Wealth management services
• Financial planning advisory
• Retirement planning services
• Estate planning advisory
• Investment advisory services

Headquarters

HQ city

San Jose

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory Fees: As a Registered Investment Adviser (RIA), Concentrum Wealth Management provides comprehensive financial planning and investment advisory services. Revenue is generated through advisory fees, likely structured as AUM-based fees, flat planning fees, or hourly charges for financial planning services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Concentrum Wealth Management is a Registered Investment Adviser providing comprehensive financial planning and wealth management services to a select group of business owners, families, and corporate executives. Core services include wealth management, retirement planning, legacy and estate planning, and specialized family law financial planning, delivered through a four-step consultative process (Understand, Discover, Implement, Navigate). The firm also operates supplementary online financial calculators for mortgage and RMD planning.

Product overview

Concentrum Wealth Management offers a suite of financial advisory services organized around three core pillars: Wealth Management, Retirement Planning, and Legacy & Estate Planning, with specialized Family Law Planning support. The firm provides comprehensive financial planning through a four-step FIT Process (Understand, Discover, Implement, Navigate) to help clients build long-term financial strategies. The product portfolio includes advisory services for individuals, families, corporate executives, and business owners. The firm also offers digital tools including a Loan Amortization Calculator and RMD Projection Calculator as supplementary planning resources. Concentrum positions itself as a holistic financial partner emphasizing personal relationships and strategic, goals-based planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management

Quantifiable outcome

• Example projection: $1M 401K growing at 7% could reach over $5.2M by age 72 with $26,000 annual contributions

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

One partnership is on record.

• Professional Network (Estate Lawyers, CPAs, Mortgage Brokers, Real Estate Professionals, Insurance Providers)coreOthersConcentrum works with a network of professional resources including estate lawyers, certified public accountants, mortgage brokers, and real estate professionals (commercial and residential) to design and implement comprehensive financial strategies for clients.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Aspiriant: Comprehensive, fee-only wealth management firm serving high-net-worth individuals and families with holistic financial planning, investment management, and estate planning. Directly comparable to Concentrum in business model, planning-led approach, and HNW/executive clientele, with offices across major U.S. metros.
• Buckingham Strategic Wealth: National, planning-led RIA providing comprehensive financial planning, investment management, and tax-aware advice to HNW households. Closely mirrors Concentrum's combination of goals-based planning, advisor-led delivery, and emphasis on evidence-based portfolio management.
• Carson Wealth: Wealth management firm offering comprehensive financial planning, investment management, and estate planning to HNW individuals and families, with a strong emphasis on advisor-supported planning technology. Comparable to Concentrum in service mix and target clientele.
• Signature Estate & Investment Advisors: Boutique, fee-only RIA serving HNW individuals, families, executives, and business owners with comprehensive financial planning, investment management, and estate services. Comparable in scale, planning-led philosophy, and executive/business-owner client focus, with a multi-office California footprint.
• Halbert Hargrove: California-based, fee-only RIA providing comprehensive financial planning, investment management, and trust services to HNW individuals and families. Comparable to Concentrum in California roots, planning-led model, and family-office-style service depth for executives and business owners.
• Plancorp: Fee-only RIA delivering comprehensive financial planning and investment management to HNW individuals, families, and business owners. Directly comparable to Concentrum in client segment, fee-only structure, and emphasis on integrated planning over product sales.
• Merit Financial Advisors: Fee-only wealth management firm offering comprehensive financial planning, investment management, and tax-aware advice to HNW clients. Closely comparable to Concentrum in planning-led delivery, fee-only model, and HNW/executive targeting.
• Avantax Wealth Management: Wealth management firm serving HNW individuals, families, and business owners with tax-aware financial planning and investment management. Comparable to Concentrum in client focus on executives and business owners and emphasis on tax-integrated planning.

Broad incumbents

• Edelman Financial Engines: One of the largest independent RIAs in the U.S., offering comprehensive financial planning and investment management across mass-affluent and HNW segments. Broader and far larger than Concentrum, but overlapping heavily in service mix and target clientele, and increasingly competitive at the HNW end.
• Wealth Enhancement Group: National, acquisition-oriented RIA platform providing comprehensive financial planning and investment management to HNW households. Compares to Concentrum in planning-led approach but operates at materially greater scale and with a multi-office, multi-state footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/concentrumwm
• Facebookfacebook.com/concentrumwealth
• LinkedInlinkedin.com/company/concentrum-wealth-management

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Concentrum Wealth Management