Chad C. Newcomb

FINANCIAL CONCEPTS UNLIMITED

ANNAPOLIS, MD

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CRD#: 2724593

Professional summary

Chad Carey Newcomb is a registered financial advisor currently at FINANCIAL CONCEPTS UNLIMITED, INC. located in Annapolis, Maryland and PURSHE KAPLAN STERLING INVESTMENTS located in Centreville, Maryland.

Chad is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1997. Chad has worked at 11 firms and has passed the Series 63, Series 65, SIE, Series 31, Series 7 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

FINANCIAL CONCEPTS UNLIMITED; INVESTMENT RELATED; 1020 White Marsh Rd, Centreville, MD 21617. INVESTMENT ADVISER REPRESENTATIVE, START DATE: 09/01/2011, 40 HR+/MO - INVEST FUNDS IN THE ADVISORY PORTFOLIO AND MANAGE THE ACCOUNT. PKS FINANCIAL SERVICES, INVESTMENT RELATED, 80 STATE ST, ALBANY, NY 12207, 5/18/2012-PRESENT, AGENT, FIXED INSURANCE SALES Archbishop Spalding HS; Not Investment Related; 8080 New Cut Road, Severn, MD 21144; Rugby Team; Coach; 02/2023; 40hrs/mo; 0 hrs during trading; I coach the Varsity Rugby team for 10 hours per week, in the evening from Mid-February until the end of May each year,

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Chad Carey Newcomb's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

October 6, 2011 - Present

FINANCIAL CONCEPTS UNLIMITED, INC.

RIA

CRD#: 118641

ANNAPOLIS, MD

Current

May 18, 2012 - Present

PURSHE KAPLAN STERLING INVESTMENTS

CRD#: 35747

Centreville, MD

Past

September 29, 2011 - May 23, 2012

FSC SECURITIES CORPORATION

CRD#: 7461

ANNAPOLIS, MD

Past

January 15, 2010 - December 21, 2010

CRD#: 23131

SCOTTSDALE, AZ

Past

October 8, 1997 - July 21, 1998

IDS LIFE INSURANCE COMPANY

CRD#: 6321

MINNEAPOLIS, MN

Past

October 8, 1997 - July 21, 1998

AMERIPRISE FINANCIAL SERVICES, LLC

CRD#: 6363

MINNEAPOLIS, MN

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

FINANCIAL CONCEPTS UNLIMITED, INC.

CRD#: 118641 / SEC#: 801-61345

RIA

Registered Investment Advisory firm - (7/29/2002 Approved)

New York

Registered Investment Advisory firm - (9/26/2005 Cancelled)

North Carolina

Registered Investment Advisory firm - (10/3/2005 Terminated)

South Carolina

Registered Investment Advisory firm - (9/26/2005 Terminated)

Virginia

Registered Investment Advisory firm - (12/31/2005 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

Colorado
(10/3/2024)

Connecticut
(5/18/2012)

Florida
(10/17/2021)

Georgia
(1/11/2016)

Louisiana
(10/17/2021)

IAR

Maryland
(10/6/2011)

Maryland
(5/18/2012)

Michigan
(9/26/2022)

Missouri
(4/4/2022)

North Carolina
(10/17/2021)

Pennsylvania
(5/18/2012)

West Virginia
(5/18/2012)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

Series 63

FINRA

Current Firm

FINANCIAL CONCEPTS UNLIMITED, INC.

CRD#: 118641 / SEC#: 801-61345

RIA

Registered Investment Advisory firm - (7/29/2002 Approved)

New York

Registered Investment Advisory firm - (9/26/2005 Cancelled)

North Carolina

Registered Investment Advisory firm - (10/3/2005 Terminated)

South Carolina

Registered Investment Advisory firm - (9/26/2005 Terminated)

Virginia

Registered Investment Advisory firm - (12/31/2005 Terminated)

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Contact information

Main Address

Centreville, MD

Mailing Address

Phone number

(866) 444-5122

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (9 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

DISCLOSURE BROCHURE (3/24/2025)

Regulatory assets under management

Total Number of Accounts	708
AUM (Assets Under Management)	$ 189,754,757

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
12/20/2024	Cover Page	Report
04/02/2024	Cover Page	Report
12/26/2023	Cover Page	Report
11/21/2023	Cover Page	Report
07/20/2022	Cover Page	Report
07/08/2022	Cover Page	Report
06/03/2022	Cover Page	Report
06/01/2022	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Firm Stability Insights

Chad C. Newcomb

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Chad Carey Newcomb's CRS (Customer Relationship Summary).

Certified licenses

Experience

PURSHE KAPLAN STERLING INVESTMENTS

FSC SECURITIES CORPORATION

SECURITIES AMERICA, INC.

AMERIPRISE ADVISOR SERVICES, INC.

AMERIPRISE FINANCIAL SERVICES, LLC

AMERIPRISE FINANCIAL SERVICES, LLC

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

M&T SECURITIES, INC.

M&T SECURITIES, INC.

UBS FINANCIAL SERVICES INC.

UBS FINANCIAL SERVICES INC.

OSAIC WEALTH, INC.

IDS LIFE INSURANCE COMPANY

AMERIPRISE FINANCIAL SERVICES, LLC

Primary Firm SEC Registration

FINANCIAL CONCEPTS UNLIMITED, INC.

State Registrations and Notice Filings

Exams

Series 63

Date: 2/17/1998

Series 65

Date: 11/11/1997

SIE

Date: 10/1/2018

Series 31

Date: 4/15/2010

Series 7

Date: 10/7/1997

Series 24

Date: 6/28/1999

FINRA

Current Firm

FINANCIAL CONCEPTS UNLIMITED, INC.

Contact information

SEC notice filing (9 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

FINANCIAL CONCEPTS UNLIMITED, INC.

TRUST BUT VERIFY

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